Mortgage refinancing at Tinkoff: rate and conditions

Who benefits from the refinancing service?

The refinancing service may change the following:

• Loan terms . The longer you have to pay off your home loan, the less you will have to pay to the bank. That is, anyone who is afraid of financial problems in the future should go to Tinkoff Bank;
• Amount of mandatory payments . The point is related to the previous one. The longer the loan terms, the less money you will have to pay each month;
• Currency . An application for refinancing can be submitted in cases where it is necessary to change the payment currency.

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• Interest rate . The most common reason for refinancing. A mortgage costs millions of rubles, and interest plays a huge role here. So, if there is an opportunity to reduce them, then it is worth taking advantage of;

Important to remember ! No one is immune from the fact that the exchange rate of a certain currency relative to the ruble will not change. Therefore, the last refinancing option is quite risky.

Documents for obtaining a mortgage from Tinkoff

Debit card from Tinkoff

• Up to 30% cashback
• Up to 6% per annum
• Free service

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Before submitting an application on the official website, the user must make sure that he has all the documents necessary to obtain a mortgage from Tinkoff Bank. Let's highlight those that are required:

• Passport of a citizen of the Russian Federation;
• TIN;
• Certificate of payment of all tax contributions;
• A copy of the passport of a citizen of the Russian Federation;
• Copy of TIN;
• Second ID:
• SNILS;
• TIN;
• Pensioner's ID.

Other banking institutions add to the list a certificate in form 2-NDFL , since it is this document that certifies the user’s income level and official employment, however, Tinkoff Bank does not limit its clients in this regard - they can bring a certificate to reduce the interest rate, but this is not necessary.

Did you know that there is a magazine “Mortgage and Credit”, which covers all banking organizations and their terms of service?

There is another alternative - a certificate in the form of a bank. It sets out the norms recognized in a particular organization. Accordingly, the contents of the document vary depending on the selected financial institution.

The difference between the papers is that the first certifies the official place of work and, accordingly, white wages, while the second contains information about the “black” way of earning money without paying taxes.

As soon as all the papers have been verified, the banking institution will proceed to analyze the credit history of the individual. If it turns out to be negative, then the probability of refusal from the financial company will increase significantly, but even in this case there will still be a chance of receiving a loan, albeit with a smaller limit restriction.

If the user’s credit history is neutral or positive, the bank will have no reason to refuse. It is important to always remember that the more accurately the client pays the debt, the more accurately he sends funds to the account, the better his terms of service will be in the future.

Refinancing procedure at Tinkoff Bank

Tinkoff Bank offers its clients the opportunity to online refinance a loan that was issued at another financial institution.

So, you can submit an online application through your Tinkoff personal account, after which the bank will send it to its partner institutions .

Partner banks

Tinkoff Bank, through its partners, offers very favorable refinancing conditions, and its consultants are always ready to advise you on all issues related to refinancing.

What are the conditions for refinancing a mortgage at Tinkoff?

Tinkoff Bank itself does not provide refinancing services, acting through partner institutions. That is, Tinkoff will contact you

Good to know ! Working through Tinkoff Bank, you have an excellent choice, because approval for refinancing may come from several other banks at once.

Basically, Tinkoff, represented by its partners, offers the following conditions for mortgage refinancing :

The final interest rate will be determined by the lender who agrees to refinance. It all depends on the required amount of money, the loan repayment deadline, and the “parameters” of each individual borrower .

Mortgage calculator Tinkoff Bank. Online mortgage calculation Tinkoff Bank 2020.

• Mortgage calculator online
• Tinkoff Bank

Select a Tinkoff Bank mortgage loan for online calculator calculation

• Currency	Min. bid	Max. sum	Max. term	Commissions	Peculiarities
  rubles	8%	100 000 000	up to 25 years

• Currency	Min. bid	Max. sum	Max. term	Commissions	Peculiarities
  rubles	8%	100 000 000	up to 25 years

• Currency	Min. bid	Max. sum	Max. term	Commissions	Peculiarities
  rubles	10.25%	100 000 000	up to 25 years

• Currency	Min. bid	Max. sum	Max. term	Commissions	Peculiarities
  rubles	13.35%	100 000 000	up to 25 years

• Currency	Min. bid	Max. sum	Max. term	Commissions	Peculiarities
  rubles	8%	100 000 000	up to 25 years

36 398

1 367 793

4 367 793

The Tinkoff Bank online mortgage calculator will calculate all the data.

We have added the ability to select the Tinkoff Bank mortgage lending program so that you can immediately start calculating and not have to think about what percentage to set.

Rate data is updated daily, so you can be sure that interest rates and Tinkoff Bank mortgage programs are up to date.

You only need to indicate the amount you want to borrow and select the mortgage term. By changing this data, you can select online the necessary parameters of a mortgage loan, which you will be comfortable paying monthly.

Advantages of our Tinkoff Bank mortgage calculator:

• Free, no registration required
• Formula for calculating monthly payments Tinkoff Bank
• We regularly update data on conditions and interest rates for calculating a mortgage loan at Tinkoff Bank in 2020.
• Mortgage calculator Tinkoff Bank calculates both annuity and differentiated payments

To make a mortgage loan as profitable as possible for you, you should use our special financial tool - the Tinkoff Bank online mortgage calculator. It will help you:

• Select a Tinkoff Bank mortgage lending program. Get interest rates
• Choose the optimal monthly payment amount based on your income
• Get detailed information about payments (how much you pay on interest, how much on principal)
• Calculate the possibility of early repayment of the mortgage

Who is our Tinkoff Bank mortgage calculator suitable for:

• For individual entrepreneurs
• For pensioners
• For individuals
• For legal entities
• Of course, Tinkoff Bank provides the most favorable conditions for salary card holders

We use the formula for calculating consumer loans specifically from Tinkoff Bank, so you can be confident in the results of loan repayment.

If you need to calculate a consumer loan at Tinkoff Bank, use the Tinkoff Bank loan calculator for 2020

Mortgage refinancing calculation example

In 2020, many online resources offer their clients to use a special calculator to calculate mortgage refinancing, and we are no exception:

Let's look at an example of how exactly the loan is calculated. Let's say you took out a mortgage at 14% per annum .

Today you must repay 1.5 million rubles , and the remaining loan term is another 10 years . The overpayment for this period will be 1,294,800 rubles .

But, you decide to contact Tinkoff Bank and choose a refinancing program. After considering your application, one of Tinkoff’s partner financial institutions agreed to refinance you at 10% per year .

Your loan was issued for the same 10 years , but now you will have to overpay only 878,760 rubles . That is, you can save as much as 416,040 rubles .

What's the benefit?

Let's give a figurative example that clearly demonstrates the advantages of refinancing an “expensive” mortgage. Let's say you bought an apartment on credit, the annual rate of which is set at 13%. The balance of the unpaid debt is 2 million rubles, while it must be paid for another 10 years. The total overpayment on the loan is about 1,583,500 rubles.

By deciding to refinance with Tinkoff, and having received consent from the bank offering a 10% rate, you can significantly reduce the final overpayment. So, its amount will decrease by approximately 400 thousand rubles, which, you see, is a significant saving.

Documents required for refinancing

To be approved for refinancing, you must provide :

1. Work book;
2. Russian passport;
3. Certificate of income 2-NDFL.

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All you need is a passport

Employment history

2-NDFL

Important ! This list may be different, since if necessary, the bank may require additional papers. That is, the package of documents can be purely individual.

Mortgage refinancing process at Tinkoff Bank

Mortgage refinancing at Tinkoff Bank is carried out in stages :

• The application is submitted online on the official website;

Application example

• A bank employee will contact you and tell you what documents need to be prepared;
• After sending the papers, they are sent for study and review;
• Then you will see a list of companies that are ready to refinance your mortgage;
• As soon as all formalities are completed, the financial institution sends the required amount of money to your account.

Requirements for the borrower

Those borrowers who meet the following requirements can count on approval of an application submitted to Tinkoff for mortgage refinancing in 2020:

• Age from 20 years and not more than 65 years. Moreover, the upper threshold is set at the time of full repayment of the loan;
• Availability of a regular income sufficient to pay the loan and the ability to confirm the level of income.

The main documents requested include:

• Passport;
• Certificate 2-NDFL or certificate in the bank form;
• A copy of the work record;
• Certificate confirming ownership of residential real estate;
• Acceptance and transfer acts.

Also, when considering an application for mortgage refinancing, Tinkoff may request additional documents. Each case is considered individually. The manager assigned to you will definitely inform you about all the nuances.

Borrower reviews

What do borrowers who refinanced their mortgages in 2020 say about the service:

Vladislav Ivanovich, 39 years old, Chelyabinsk : “Many thanks to Tinkoff for the positive decision on the mortgage! I once seriously damaged my credit history, lost my job, and simply didn’t see a way out. But, nevertheless, Tinkoff found several banks, one of which simply suited me perfectly in all conditions! Special thanks to consultant Sergei, who will help me save a lot of time!”

Elizaveta Olegovna, 41 years old, Voronezh : “I would like to sincerely thank Tinkoff Bank for the prompt refinancing of my mortgage loan! The main plus is that everything worked quickly, and for me with the most favorable conditions. My mandatory payment amount was reduced by almost 1.5 times. I recommend!"

Pavel Igorevich, 28 years old, Moscow : “My wife took out a mortgage for me. But after the divorce, everything changed - I myself could not afford such a large sum, and there was no place to live. A friend advised me to contact Tinkoff. I came to the office with the documents ready, talked to the consultant, and after a few minutes they showed me a list of 15 companies ready to refinance me. Of course, I found what I was looking for.”