MOSCOW, Nov 3 (Reuters) - MTS (MBT.N: Quote, Profile, Research)(MTSI.MM: Quote, Profile, Research): * Says has reached an agreement with Gazprombank on lowering interest on a 300 mln euro loan to 8 percent from 12 percent * Says loan term has been extended to Sept 2012 from June 2011 * Has restructured 150 mln euros of the loan into Russian roubles, due in Sept 2012, paying annual interest of 13 percent * Has so far repaid 50 mln euros * Secures 100 mln euro revolving credit line with 8 percent interest and funds available until Sept 2012