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VTB increased refinancing loans in 1,5 times
Over the 11 months of 2018, more than 500 thousand people transferred their loans to VTB as part of a program to refinance loans from third-party banks. The total amount of issue for this period exceeded 240 billion rubles. Compared to the same period of 2017, these figures increased 1,5 times.
According to the press service of the bank, the share of loans in the framework of refinancing in the total loan portfolio in cash on 1 in December 2018 amounted to about 30%. The leading regions are Moscow and the region, St. Petersburg, the Krasnodar Territory, the Republic of Tatarstan and the Irkutsk Region.
Now the refinancing program for loans from other banks is available to VTB clients at the rate of 10,9% per annum. It allows you to combine any loans from other banks into one - both collateral and unsecured, repay the debt with one comfortable payment, reduce the monthly payment and receive additional funds - up to five million rubles without a guarantee from third parties.
According to statistics, the average age of customers applying for refinancing is about 35 years. These are married borrowers with higher education. Their income is from 40 to 100 thousand rubles in Moscow, and from 30 to 70 thousand in other regions.
“We note that customer interest in the refinancing program remains. The main factor is the low rate, which allows the client to save money on payment or loan servicing. This makes it particularly popular to refinance debt relief from mortgage borrowers, as well as collateral from the car to save on the CASCO policy, ”said Dmitry Polyakov, Head of the Credit Products Division, Vice President of VTB.
Refinancing is offered to borrowers with a positive credit history who, at the time of applying, made at least six monthly loan payments at another bank in a timely manner.