Refinancing
mortgages from 6%

Refinancing allows you to change the terms of the mortgage to more profitable ones, for example, reduce the rate and save on percentage. Also, this makes it possible to reduce the monthly payment or receive an additional amount for other purposes.
In addition, refinancing helps to solve specific problems, such as the allocation of shares of children or removing encumbrance before the sale of real estate.

To draw up refinancing, the same package of documents is required as with the initial execution of a mortgage, including documents on the participants in the transaction and the acquired real estate.
The key condition for successful refinancing is the timely payment of current and other loans. If you violate the payment schedule or have a mortgage density, the probability of approval of refinancing may decrease.

Typically, banks require a current mortgage for 3 months before refinancing. However, some banks are ready to consider the application 1 month after the start of payments.

The choice of a bank for refinancing often begins at the stage of a mortgage for the purchase. Many borrowers choose a “temporary” bank, anticipating the transition to another with improving bets.
At the consultation, our specialist will help you choose the bank, taking into account the characteristics of the transaction and the object, to assess the relevance and profitability of refinancing at the moment. Sometimes it can be rational to wait for a greater reduction in bets.

Yes, in the framework of the Family Mortgage program, a family with a child born after January 1, 2018, as well as a family with a disabled child (up to 18 years old), have the right to refinance mortgages for new buildings at a rate of up to 6%. This applies to those who purchased housing at the construction stage or a ready -made new building from the developer. However, other preferential programs do not provide for refinancing.