If you have a good offer on a regular consumer loan and only one credit card that you want to close, you can do without refinancing. Get cash, close the card, and continue paying off the debt under the new terms.
At Bank Sinara you canget up to 3 million ₽for up to 5 years at 0% per annum. To do this, apply for the service package "Manage easily» when signing the loan agreement. Regardless of the rate offered by the bank, after full repayment the loan will be recalculated and all interest paid will be returned to you.
apply for a loan for a period of 4 years and connect the "Manage easily" service package. It cannot be connected to existing loans; this must be done at the registration stage;
be the owner of “That very card” of Sinara Bank;
use the limit in full without early repayment. If the product is belgium mobile database issued for 5 years, early repayment is possible after 4 years;
do not use credit holidays;
avoid late payments on all Bank Sinara products;
during the entire period, make at least 5 purchases for a total amount of 10,000 ₽ using the “Same Card”.
After the loan is fully repaid, submit an application to Bank Sinara and ask to recalculate the loan taking into account the 0% rate. Employees will check that all conditions are met, and the amount of interest paid will be transferred to your Universal Card.
How to Prepare for a Mortgage with Bad Credit History
The CI is stored in the credit history bureau (CHB), and every resident of the Russian Federation can view it twice a year for free. If the CI contains records that banks perceive as negative, it is impossible to delete them from there until the statute of limitations expires (7 years). But you can improve your rating by adding new records.
If you are denied large loans due to a bad CI, try to take out a small loan first and repay it on time. It is important not to use early repayment, as many banks perceive such records negatively. This is due to the fact that loans are a way for financial institutions to earn money. They open and maintain an account for free and expect to make a profit in the form of interest. Quick early repayment deprives them of this profit.