Delays are the enemy of borrowers. Moreover, borrowers often worry about delays in payments much more than the situation requires. Another thing is if delays become systematic, and the bank is not going to make concessions (for example, the introduction of so-called credit holidays). In this case, you can take drastic measures and simply change the bank by refinancing in another. For example, consider the question refinancing at Russian Standard Bank. Customer Reviews - The best way understand whether it is worth contacting a particular financial institution.

What Russian Standard Bank offers to those wishing to refinance a loan

After a surge of activity of the bank in the field of issuing plastic cards observed from 2006 to 2013, many Russians now have Russian standard credit cards. The rates on loans issued on them cannot be called profitable, however, along with this, the bank has a huge number of customers to whom the bank can offer a refinancing service.

The conditions offered by the company are reduced to:

1. Extending the loan term. Yes, by reissuing a loan at the same interest rate for a smaller amount, but with an increase in the term (for example, from 1 year to 3 years), you can be sure that monthly payment will be reduced.

2. Attracting guarantors. Reducing your risks against the backdrop of offering the most favorable conditions (a lower rate or refinancing for a new term without taking into account a bad credit history), the bank will require you to confirm your solvency. Here you may need guarantors, you can from among relatives,

3. Lending according to the system " credit holidays" . The bank takes such a step if you are a dear client or you have had several good examples work with the bank, as well as if the amount of your loan is large and the term is significant. The essence of the program is that you pay only the "body" of the loan for a certain period, and you will pay interest later.

Reviews of clients and participants of the refinancing program

The rating of "Russian Standard", updated weekly and compiled on the basis of customer feedback and the number of complaints filed, on this moment(and during last year) is in 32nd place out of about 1000 credit organizations. For comparison, in Sberbank this rating has not risen above 38th place for more than 2 years.

Russian Standard is currently in the TOP-10 Russian banks in terms of the number of clients and the quality of "transparent" service. We will devote this article to an overview of one of the services that is issued by Russian standard - loan refinancing. Does the bank give loans to pay off current debts on a loan in other banks under more profitable terms or suggest other solutions? Let's figure it out.

Today, more than 60% of Russian banks are already actively offering their customers such a service as refinancing loans from other banks. The service implies on-lending with the possibility of combining previously taken credit obligations in other banks, with their full repayment, under more favorable conditions (interest, loan terms). To receive refinancing, the client needs to contact the bank, provide a certain package of documents, including all information about the loan (loans) that will be repaid.

Russian Standard is in the TOP-10 of the best banks in Russia

The bank, in turn, after signing the documents, transfers funds to repay the loan, and the client deposits more favorable amounts for his budget into an open credit account.

Financial institutions usually refuse to refinance if the client has arrears or delays on existing loans because such lending carries high risks.

As for Russian Standard Bank, service for refinancing loans in other banks is not practiced yet. But to pay off other debts, you can issue a new one. consumer credit to receive cash.

What Russian Standard can offer to its clients

Russian Standard Bank offers its clients standard lending schemes, according to which a person can receive cash and repay loans with it from other financial institutions. The rates on the offered lines of credit and products are quite acceptable, so many people use this particular scheme of unofficial on-lending. Consider lending schemes from Russian Standard.

Credit limit for a plastic card

At design credit limit a credit current account is opened to which your plastic card is linked. The limit on such a loan is 450,000 rubles. For holders of privileged plastic cards, the limit can be increased to 750,000 rubles. The annual interest rate is 36% of the loan amount withdrawn from the card. The first 55 days are a grace period during which no interest is charged on the amount of the withdrawn loan.

The bank opens credit lines for its cards up to 450 thousand rubles.

Ordinary consumer general purpose loan

To receive cash, you can use non-purpose consumer loans. Maximum amount issuance - up to 500,000 rubles. for 5 years. The annual rate is determined individually, taking into account the credit history of the client. It can be calculated from 15%. No collateral and guarantors are required, and the client's age can vary from 23 to 65 years.

How to get a loan

The main condition that the client must have is good credit history. With this, you can prepare a package of documents, which will include:

• the passport;
• income statement;
• copy of work.

Also, a person must be a client of the bank, and to open credit line to be a cardholder. The department will need to apply. It can be submitted online (e-application).

If the client does not have a permanent job and a stable income, then most likely the loan will be denied.

Refinancing a mortgage loan at Russian Standard Bank

Although Russian Standard does not officially have such a product as loan refinancing, it makes an exception for its clients and conducts intra-bank mortgage refinancing in a simplified form. After all, not a single bank wants to lose customers, especially with a mortgage loan.

Russian Standard does not have a specific program for refinancing mortgages, but offers repayment of a mortgage loan that does not exceed the maximum possible loan amount provided by the bank. Since the bank already knows the client's credit history, and all the data about his mortgage loan, then refinancing is very fast.

Debt restructuring: reducing interest or extending the loan term

Applicants may be offered:

• mortgage refinancing with a decrease in the interest rate from 0.5% to 2%;
• debt restructuring with the same rate, but with a longer credit period which will reduce your monthly payment.

How to restructure a loan issued by Russian Standard

Restructuring refers to changes in the terms of payments on a previously issued loan. This measure helps to reduce the debt burden on the client. Financial institutions use restructuring to prevent the occurrence of late payments due to the financial instability of the client.

They resort to restructuring under certain conditions. The client must contact the bank and write an application, to which attach:

• a copy of the passport;
• credit information;
• contact information;
• the reason for the request.

In order for management to adequately assess the financial instability of an individual and make credit conditions more acceptable, it is necessary to attach official documents solvency insolvency. These can be certificates from the employment center, a medical report on health problems, a record of dismissal, or something else.

The application for restructuring is considered up to 14 days. After which, the client is informed about the decision.

Summing up, it should be noted that refinancing can be an option, but not always. Before applying for the next loan to pay off the previous one, weigh the pros and cons. Perhaps a loyal restructuring program is much more profitable than applying for a loan or refinancing.

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How do employees turn a potential loyal customer into a very negative one? Do you want to know?

Come to this branch of the RS. By the nature of my work, I often contact banks, I have not seen such an attitude towards clients for a long time ... I decided to refinance a loan, key rate falls, banks promise the percentage is lower and lower. Sent applications to several banks.
It’s too bad that they don’t announce the rate over the phone, you have to travel, well, everywhere.
By phone, she immediately clarified that I needed a lower percentage to refinance a loan from another bank and I would not take out insurance.

OK, everything is without problems, approved in advance, come, we work until 9. Beautiful office, Saturday, day off, after shopping I stop by at 8 pm at the bank, a miracle, there are no people, 2 managers are completely free, the mood is excellent. The young man says that now is the stage of confirming documents, he scans his passport, we are waiting for 15 minutes.

Then the magic ended. He writes something from the monitor screen and announces the amount. ... plus insurance.
I ask what percentage, (a loan that I decided to refinance at 18), says 24, but this is for 5 years, for a year it less percentage))) seriously?))) What about arithmetic, with an annuity payment and simple interest what a different payment.

I ask that I don’t need insurance, I wrote so nicely, 39 rubles a day ... I know how to use a calculator, for a minute it’s 71 thousand! In total, together with insurance, this is 31 percent, I have a lower percentage on a credit card ... and at the same time the manager says that he has already sent an application and they may not approve the repetition, but ask before sending?

Everything would be fine. I would turn around and leave. If it weren't for the lovely lady at the next table... First of all, it's very unethical not just to interfere, but to get straight into someone else's conversation. Secondly, remarks from the spot ... and you can generally confirm your income and other phrases that are inadequate for a bank employee. Customer focus .... an empty phrase for this manager.

Outcome:
Loan offer at 31%, instead of the existing 18% now (In my opinion, this is not just not profitable, but even an option for crazy people to refinance this way) You could pass by this option, since some other banks also had a higher percentage, the manager said , sorry, but now we cannot offer a lower percentage, please contact us another time, perhaps we can help you.
Worthy? Yes! Will I go to those banks again? Yes! But here they tried to impose not necessary services, at a huge percentage, while behaving very incorrectly, unacceptably in relation to the client.
Will I go to Russian Standard again? No. And I don't recommend it to anyone.

User7415532 28.10.2019 18:28

Yes, Tatyana, the head of the office, contacted me today. It's nice to talk to a professional employee.
Thanks to her for the call, the conflict is over.

Russian standard 28.10.2019 17:18

Hello, Natalia!

I'm sorry that the situation described was the reason for the review. According to available information, the head of the office contacted you today to provide clarifications. It is important to us that the situation is fully resolved, so please confirm this fact as part of your review.
For my part, I would like to additionally note that the insurance service is voluntary, while it provides clients with financial protection. Clients, of course, can apply for a loan without taking into account this service, but please note that when submitting a new application, the Bank will need time to consider it, including other loan options may be offered. The loan rate is set at individually for each Client based on the results of consideration of the application.
Let me assure you that the information regarding the quality of service in the office has not gone unnoticed.
I hope that in the future you will be able to reconsider your decision regarding the use of our products and acquire a reliable partner in the face of the Bank.

Sincerely,
Evgeniya
JSC Russian Standard Bank

It happens that many loan applicants, due to the urgent need for Money oh, and having fallen for the marketing tricks of PR managers, they take a loan under high percent or high commissions. When the time comes for the first installment, they are in for a strong disappointment and complete unwillingness to continue to pay a high percentage. There is absolutely no need to despair. There is a way out - refinancing loans in Russian Standard Bank.

By transferring a loan to this financial institution, you can significantly save your monthly payments.

Refinancing involves obtaining a new loan from Russian Standard Bank on more favorable terms.

After the conclusion of the agreement, your previous loan will be repaid, which will avoid delays without damaging the image of the borrower.

Unfortunately, the financial institution does not cover the service of refinancing loans issued by Russian Standard on its official website. But you can restructure the debt by changing the terms of the current contract, or get a deferred payment for several months.

But if you write an application or discuss opportunities with a credit analyst, you can:

• increase the loan term to minimize monthly payments;
• reduce the payment period, thereby reducing the total amount of overpayments;
• lower your interest rate if you took out a loan a few years ago (at that time, loans were issued at 20%).

There is a possibility to take new loan, which will cover the payments on the old loan.

Its features:

• the maximum limit is 500 thousand rubles;
• interest rate starts from 15%;
• the term of the loan can be extended for 5 years;
• no collateral or guarantee is required.

Refinancing for its customers is carried out in a simplified form, since the bank already has information about the loan. In most cases, in order not to lose a client, representatives of a financial institution make concessions by lowering interest rates, especially on large loans such as mortgages.

Refinancing loans from other banks

Many citizens of the Russian Federation are interested in the question: “Does Russian Standard refinance loans previously taken from other banks?”. The official website does not provide any explanation on this. We recommend that you contact a representative of the credit department (you can call or ask a question on the site), who will explain to you how to act in a particular situation.

In any case, if you are satisfied with the interest on loans from Russian Standard, you draw up a loan, receive money in cash and pay off an burdensome loan taken in another financial institution. It is best to take a consumer loan in cash, because when withdrawing funds from the card, a commission is charged.

If you have accumulated a loan on a card in another bank, apply for a Russian Standard bank credit card and make a money transfer. Do not forget to close the plastic of another bank and provide this information to the refinancing bank.

Requirements for clients

Your age must be between 23 and 65 to be able to refinance. In addition, you will need to write an application and submit a list of documents.

To get a positive verdict on refinancing, it is better not to have delays, because your credit history can be significantly damaged.

As soon as you see that you can not pull the payment loan agreement, file an application immediately.

Required documents

To refinance, you need to prepare:

• the passport;
• previous loan agreement;
• a loan statement showing the balance, the date the loan was issued and the interest rate;
• an application form, which is drawn up in any form;
• documents confirming your earnings.

The application can be transferred not only to the credit manager, but also sent by e-mail.

In life, things don't always go as planned. Often there is a need for a major purchase or trip, and your own financial resources lacks. In this case, they usually turn to friends, or to a microcredit organization, or to a bank.

Relatives and friends will, of course, help you, but not everyone wants to be indebted to them, and not everyone likes their loved ones to know about them. financial problems Oh.

Refinancing- this is the closing of the first loan with the help of the second, taken from the same bank, but on different conditions. The rate, term of the loan or other conditions may decrease. Restructuring is a change in parameters existing loan such as the interest rate, the amount of the payment, or the term of the loan. In this word, the root “structure” stands out, that is, restructuring is a change in the structure of a loan obligation. For example, a decrease in the monthly payment and, as a result, an increase in the term of the loan.

Such services are also offered by Russian Standard Bank. True, you most likely will not find such information on the official website of the bank, because this financial issue is delicate, and is resolved each time on an individual basis. In any case, contacting the bank is much better than delaying payments.

Restructuring of the Russian Standard loan possible if:

• You have a credit card of this bank;
• Credit issued in the store for the purchase of goods;
• A cash loan has been issued;
• Decorated .

Suppose, on the contrary, financial position the borrower has improved, but there are not enough funds to completely close the loan. In this case, you can increase the monthly payment by restructuring.

Overdue loan restructuring is also possible, although in this case the bank has the right to refuse you. At the same time, the bank may enter information about you as an unreliable borrower in the Bureau credit histories, and the next time you apply for a loan, you may be denied. That is why it is important to contact Russian Standard at the first occurrence of financial problems.

Such a change in lending conditions is formalized at the office of Russian Standard Bank with the personal presence of the borrower, he must have a passport with him.

It is necessary to write an application and sign a new agreement with the bank, which will specify in detail all the conditions for the loan obligation.

Loan restructuring application.

A sample application for loan restructuring will be given to you at the bank, you can also find a document on the Internet. Polite and correct specialists of Russian Standard Bank will help you resolve all issues and explain in detail your rights and obligations.

Do not forget that all transactions in the bank must be recorded in writing and executed in duplicate. In addition to the application, you can provide the bank with documents confirming the decrease in income. This, for example, could be:

1. Certificate of employment in the form of 2NDFL;
2. Certificate of registration at the labor exchange;
3. Certified copy work book with a note, for example, about the reduction.

Restructuring with a credit card.

If you have credit card Bank "Russian Standard", then the financial institution itself has the right to increase the limit of funds available on the card. If this is not necessary, you can go to the bank office and refuse by writing a statement.

Loan restructuring, reviews of this procedure can be found on the Internet, it is perceived by customers inconsistently. But mostly these reviews are positive, since Russian Standard Bank often meets the needs of customers and improves the terms of the loan agreement.

Whatever happens to you financial situation, Russian Standard Bank will always take into account your circumstances. An application for restructuring may take several days to be considered.

If you close the loan, then do not forget to take a certificate stating that you do not have any debts to the bank.