Refinance without increasing

This is a simple transfer of current mortgage to another bank and that at the moment when the current bank does not offer sufficiently attractive interest rate. Sometimes you do not even have to document income, because almost all banks are working with the fact that if the new payment is lower or as high as the previous one, you have sufficient resources to repay the new loan. Some can even go to 120% above the current payment. This is particularly the case when you want to quickly repay and reduce the total repayment period.