When refinancing, customers rarely touch the loan term; It is much more important for them to reduce the monthly payment to a comfortable level. During the nine months of 2026, VTB issued more than 20 billion rubles for refinancing, and in the third quarter the issuances increased by a third compared to the second and amounted to half of the annual volume. Now the bank can combine up to six loans from other banks into one. Both consumer and car loans and credit card debts are appropriate. The main thing is that there will be no delays.