VTB explained why people are financing more and more refinancing loans for 9 months of 2026, the bank issued more than 20 billion rubles for refinancing. The share of such loans in sales has tripled since the beginning of the year.
"The demand for refinancing is dictated not so much by changes in rates, but by the borrowers' conscious approach to managing their debt burden," said Roman Shikov, deputy head of VTB's retail business unit.
According to him, customers are seeing the effect of combining loans. Several expensive loans are replaced by one, and the monthly payment becomes lower. The bank expects this trend to continue.