Credit card partners home loan installments. Credit card installment card
The Home Credit Bank Svoboda installment card was presented to users at the end of 2018. She was presented by the head of the bank at one of the presentations. The Freedom card is a new Home Credit card by installments, with new modifications. The previous card cannot be issued at the moment, but those who managed to receive it before the "Freedom" card was issued can continue to use it safely. On the territory of Russia, Home Credit became one of three, which presented an updated card at the end of last year.
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Credit card by installments Freedom Home Credit Bank
Home Credit card "Freedom" by installments gives you a chance to make purchases for a long time with a return of money both in the Internet and in ordinary stores. Refunds in all companies are given on a quarterly basis, and for bank partners - a maximum of a year. The "Freedom" installment card Home credit - the operating and receiving conditions are similar to the rest of the credit cards, which you used to buy, as well as where the duration of the installment plan may increase.
So, for example, at the end of the year you made a purchase building materials on a credit card in a building store for 50,000 rubles. This amount is divided into three payments, which you need to put back on the card within the specified time. So, if the purchase was made in December, then in January, February and March you need to deposit 16,666 rubles monthly into the account.
When you make a settlement with the bank's companion, then the Home Credit installment card gives the terms of use much more profitable. AND obligatory payment is much less. By paying for the purchase during the installment plan, you do not pay the interest that may be charged for non-payment on time. Home Credit installment plan without overpayments is a great chance to make purchases with an impressive repayment period.
The Home Credit installment card has features that are inherent in other cards of this type. A long time for refund can be obtained by making a purchase in a store - a partner of Home Credit Bank. It is not possible to withdraw money from your current card balance. The Home Credit installment card is intended only to pay for your purchases in a non-cash way.
Terms of use of the Freedom Home Credit installment card
It is easy to understand the operation of the Home Credit Bank installment card "Freedom", so:
- Home Credit installment card terms of service - the provision of services is carried out for all customers at no cost to you, as well as the annual maintenance of the Home Credit installment card;
- Replacing a credit card at your request costs 590 rubles. And if the validity period ends, then the replacement is not paid;
- Home Credit card by installments loan conditions - credit limit available in the amount of 10,000 to 300 thousand rubles. If you plan to purchase something not in a partner store, then you are not provided with the entire amount for use from the total limit (the amount is revised individually);
- The period for repayment of the installment amount not in partner companies reaches a maximum of 51 days;
- Interest on the Home Credit installment card, which is accrued in the process of work, is equal to 0;
- Monthly payment - if you are dealing with non-partner companies 7% of the purchase amount and a part of total amount installments (this will be 1/12, in the event that a Home Credit card is issued by installments for 12 months). The monthly payment also includes any mandatory commissions and fines that may have been charged to you;
- If you violated the payment terms or could not pay the monthly payment, then the percentage to be paid will be at least 17.9, and a maximum of 34.9 (the percentage will be revised in each case individually);
- For a delayed mandatory payment, you will be charged a fine of 590 rubles;
- It is not possible to withdraw real money from this card;
- Status reporting bank card- at first it is carried out free of charge (2 months), then the service costs 99 rubles. for each month;
- Constant familiarization with your credit card statements;
- Change of PIN-code is carried out without additional payment;
- No commission charged for using the Home Credit Bank Internet application;
- Suspension of work for a while with subsequent resumption on the card is carried out without removing the commission;
- A money transfer to your card using an ATM, terminal and through a bank office is carried out at no additional charge.
According to the points listed above, the card has all the necessary functions, without unnecessary costs. Money.
How to use the Home Credit bank installment card
How to use the Home Credit Bank installment card? It is possible to use it simply, because it is practically no different from a simple credit card that you could use before. How does the Home Credit installment card work? Home Credit's interest-free installment plan on the Svoboda card is carried out as follows:
- Home Credit Bank installment card can be applied in all corners of the world, where you can find any terminal where you can use the card. You can also always use the Internet application;
- Home Credit cards can be used in VISA or CLASSIC format;
- The installment card is issued with a built-in chip and PayWave function. The built-in chip guarantees its safety, and the new payment function makes the card convenient. If you wish, you can order a card without a built-in chip;
- Installment card "Svoboda" - the conditions of its operation give a chance to bind this card to mobile payment applications that allow you to pay by your mobile phone (for this, you just need to have the NFC function on your smartphone);
- How does the Home Credit installment card work? This card is not intended for withdrawing the balance of funds from the balance, it can only be used for non-cash and interest-free payments for your purchases;
- Payment by installments can be carried out not only in limited period, you can repay before the end of the payout time;
- Home Credit installment terms: credit card"Freedom" is provided without obligatory guarantors and required documents about your income.
How to use the Home Credit card by installments? The terms of the Home Credit Bank installment plan for using this card are simple and accessible to everyone. There are an uncountable number of Internet services and simple shops now. With the updated installment plan, it is more convenient for you to work with partners of Home Credit Bank. In total, there are at least 40,000 such stores. The list contains many companies, with some you could have worked with before. The refund period ranges from a quarter to a year, this time is calculated separately.
How to get an installment card "Freedom" from Home Credit Bank
Credit card by installments Home Credit Bank is issued in two ways:
- On our website. You just need to leave a completed application on the site. You will know the result of receiving the card almost immediately;
- Fill out an application at the bank branch, with one of the managers.
But if we take into account the fact that at the bank we often observe queues and incompetent attitude on the part of some employees, then the best option for you will arrange an installment plan at Home Credit Bank through our website. Registration via the Internet will not take you much time, and you will receive the result of the decision made within very quickly.
After making a decision, you will need to contact the bank branch to pick up the card (you can choose the branch yourself). For the first days after registration, you may be given a non-personalized card, since a personalized Home Credit card by installments will arrive at the branch in 1-2 weeks.
Why do I need an additional card?
The bank makes it possible to issue, together with the "Freedom" credit card, the "Benefit" card, which has already gained popularity among users. Such a card is given free of charge, and it is advisable to open it when receiving a "Freedom" card. On debit card"Benefit" is the opportunity to accumulate your personal funds, at 10%. If necessary, from this card you can make monthly payment to a bank card.
In addition, this card can be used to obtain wages and for making any other payments. Withdraw funds from current balance can be done at any ATM in the country. Money transfers to the balance of other organizations are carried out (commission 10 rubles).
How to get a Home Credit Bank installment card "Freedom"
Obtaining an interest-free Home Credit card is subject to availability:
- Passports;
- Other evidence.
Almost always, another document is not required, but just in case, take it when you are going to issue a card at the bank.
Home Credit Bank installment plan - the conditions under which a credit card is issued to a borrower? There are no special requirements for each of the borrowers, but the standard terms of the installment plan at Home Credit Bank:
- You are a citizen of the country;
- The borrower's age is from 18 to 64 years old;
- Provide, if necessary, your personal, home, work phones;
- Have a stable job for the last six months and submit a document about income for the last quarter.
The terms of the Home Credit installment plan are much softer and differ from the cards of their competitors, for example, such as "Conscience" or "Halva". If you have other credit cards open, we advise you to close them, and completely switch to agreements, which Home Credit Bank gives. Home Credit Bank installment plan gives you a chance to gain an installment plan from three months in various networks that work directly with the bank.
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For clarity, instead of an introduction, we want to say only one thing - new card installment plan Freedom from Home Credit Bank is NOT theirs (these are different products, although very similar). This year, the company decided to plug a hole in its marketing and assign a name to the new product. The concept of complete independence from bank interest and from the debt burden for the longest possible period (more precisely 12 months). Now let's get to the point!
The main difference between the new CR is the ability to purchase goods outside the partner network with a 51-day deferred payment and the Freedom + option with various paid chips that allow you to increase the time frame or skip replenishment.
With the help of the Freedom from Home Credit Bank installment card, you can make purchases not only from partners, but also in all other stores that are not included in the list, although the conditions for providing borrowed money will differ. It is not possible to use Freedom to pay for goods not from partners immediately, but only after receiving a certain limit.
The card limit is revised once every six months. The more often you use the card and the more stable you are to pay off the debt, the more likely it is that you will receive or increase the limit for purchases.
Nevertheless, the bank strictly limits the installment period for stores that are not part of the affiliate program - no more than 51 days. While the term of the installment plan from partners depends on each specific store and on the agreement with the bank. All conditions are specified in more detail in the partner catalog, but the maximum possible interest-free period is 12 months.
Minimum payment
The purchase price is divided in equal parts by the number of installment months. If you did not pay with a card from partners, then the minimum payment will include, among other things, 7% of the purchase price. In addition, if you already had any debts, fines or additional commissions, then this entire amount will also be added to the minimum payment.
The penalty for late payment of the minimum payment is 590 rubles, this amount will be withheld for each fact of delay.
Every month the Hamster informs his clients about the amount of the upcoming payment. The first two billing periods, the SMS-informing service is provided free of charge, in the future the bank will take its commission in the amount of 99 rubles for each month.
17.9 - 34.9 percent per annum on debt, for which the installment plan does not apply. Credit limit from 10 to 300 thousand rubles.
Freedom + program
Especially for those cardholders who do not meet the minimum payment deadline, Khomyak has developed and launched the Freedom + program. If you have any problems with payment, then you can contact the bank branch and leave an application for joining the program, or call the call center and express your desire to connect. Only customers who, at the time of connection, have no debt to the bank, can participate in the program.
The program provides four options in total.
- Skipping payment. You can cancel the next minimum payment. The service is provided free of charge. You can use it only if there are no delays for the entire time of the installment plan or for the last 6 minimum payments, and at least three payments must be paid. You can use the option once every six months.
- Plus 6. This option allows you to increase the installment plan by 6 months, but you will have to pay an additional 6% of the purchase amount.
- Plus 10. The option works the same as the Plus 6, but with a 10 month grace period and a 10% additional deposit. Both options apply only to purchases from bank partners.
- Refusal of collection... The service is provided free of charge upon the occurrence of a number of circumstances, which include the death of a client, loss of ability to work, loss of housing due to fire or floods, etc., as well as hospitalization for a period of at least half a year. When these circumstances occur, the client or a relative must contact the bank with all the documents confirming the basis for the provision of the Refusal of collection service. Within a month, the bank will consider the application and report its decision via SMS. In case of a positive decision, the client or a relative will be exempted from further payments.
Attention! For participation in the program, the bank monthly withholds 0.99% of the total amount owed, but not less than 99 rubles and not more than 499 rubles. The client has the right to terminate the agreement by communicating his decision to the bank.
Payment for paid options will be included in the next Minimum Payment. Several options can be applied to one purchase, until the total installment time should not exceed 36 months.
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Partner Stores
HKB for the convenience of users on the page https://www.homecredit.ru/shopping/partners/ has prepared a whole online catalog of shops, where the Svoboda installment card is accepted here and now. There are 40,000 of them in total, but this is taking into account that only Megafon has 2,000 of them, and so on. You can filter offers by product categories, from auto to jewelry (21 types in total), choose online or offline companies. Make a search by cities and names, dates. Everything for people! It also indicates the number of months of installment plan opposite each item, as well as the number of points of sale. After all, you need to understand that not all stores of a particular brand participate in the partner network. Their list is constantly changing.
Immediately I would like to note one significant omission of the service - it would be nice if the bank made a conclusion of addresses by a list and a map, and not just a formal number written for visibility.
What about the range of partners? It definitely pleases, wider than that of a standard credit card of any bank, even with the highest cashback, but narrower than that of Halva's direct competitor from Sovcombank. So, for example, in many categories there are only a few stores. The more expensive the group of goods, the naturally greater the choice, since such items have long been considered a luxury and are often purchased on credit.
How to arrange
It is very easy to get an installment card, just go to the official website and click on the Checkout button.
After that, an SMS with a code will be sent to the specified phone number, by entering this combination of numbers you confirm your consent to verify your data. In addition, the system will require you to enter additional passport data.
After filling in all the fields, you will see the following message. Usually, a specialist gets in touch in a fairly short period of time, you won't have to wait long.
Hamster offers free delivery within Moscow within the Moscow Ring Road, but the delivery address must be no more than 20 km from the bank branch. If you live in another city or outside the Moscow Ring Road, then the card can be picked up at the nearest bank office.
Cons and pros
- There are few partner stores - although KKB claims an impressive figure of 40 thousand, but these are all networks, and in fact there is nowhere to buy the same electronics, except for Eldorado
- If the terms of the installment plan are not met, then a usurious percentage of 17.5% and all kinds of fines are included, which in general does not make this offer the most profitable
- It is not possible to withdraw money from the limit and perform a number of operations with it, for example, replenishment e-wallets, transfers, payments in online casinos, etc. are prohibited
- Courier delivery only within a radius of 20 km from the office, of which there are not so many in Russia and even in Moscow
- In fact, you are given only 51 days to pay off debt to NOT partner stores (see the agreement), and not 3 announced months
August 10, 2017 Home credit bank has presented a new credit card - Home Credit "Installment Card". What is the innovation of this credit program? The essence of a credit card is as follows - it helps to make purchases offline / online in retail outlets in installments for 3 months. To use a credit card, you do not need to search for partners of this financial institution that support this program. The cardholder chooses a product / service, pay with a credit card, the purchase amount is divided into 3 identical payments - after which they must be paid every month.
This credit card is in great demand among the population - it can be issued at bank representative offices, at sales counters in a few minutes.
Credit card features:
- You can use it anywhere in the world - if you have a payment terminal, via the Internet;
- The home credit bank installment card belongs to Visa, Classic category;
- The credit card is not personalized, has a security chip, PayWave contactless payment system;
- Without binding to Apple Pay, Android Pay;
- The credit card has a strict purpose - only for non-cash payment, you cannot withdraw funds from it at ATMs, cash desks;
- There is a possibility early repayment loan, it is not necessary to make payments for three months, if you can pay everything at once;
- A credit card is issued without guarantors, certificates of income, collateral;
- V recent times the list of partners of this banking institution offering long-term credit card installments up to a year.
Description of conditions
The Home Credit installment card helps an individual pay for goods / services in any store chains without%. The owner of this credit card can visit a retail outlet by paying with a card for his purchase in installments at the expense of borrowed money... Fixed installment - up to 3 months from the date of the transaction.
You can also use this credit card in partner stores of the bank, but there it is possible to change the terms of the installment plan, provided in advance by the individual agreements of the financial organization, the partner store. Usually then the minimum installment plan is 3 months, the maximum time is up to a year.
Conditions for receiving
- The minimum limit is 10,000 rubles;
- The maximum limit is RUB 300,000;
- Credit card validity - 5 years;
- The rate during the installment plan is 0% per annum;
- Loan rate in a situation of non-fulfillment of the terms of the installment plan - up to 29.9% per annum;
- The duration of the grace period is 51 days;
- The cost of issuing a credit card is free;
- Card re-issue as a result of the borrower's initiative - 200 rubles;
- The cost of servicing a credit card for the year is free;
- SMS notification - 0 rubles;
- Internet / mobile bank - 0 rubles;
- It is not provided for the issuance of credit / own funds from the card through ATMs, cash registers.
Borrower requirements
To receive a credit card, a client must meet certain conditions established by this banking institution:
- Russian citizenship;
- Age period - 18 years old - 64 years old;
- Have permanent registration in Russia, to live in the city in which the borrower draws up this credit card;
- You need a constant income, work experience - at least 3 months;
- You also need a mobile phone (home, work).
In the application for issuing a credit card, the client must indicate his place of work, her contacts. A bank employee can call this number in order to verify the information provided by the borrower. In addition, the client must provide the phone numbers of one of his relatives / friends / colleagues - for emergency communication with the borrower in an unforeseen situation.
The documents
In the process of issuing a credit card, the client will need:
- Passport of a citizen of the Russian Federation;
- Second document (optional natural person) - driver's license, international passport, SNILS.
How to issue a card
You can get a credit card in different ways:
- Contact a bank representative for issuing a credit card;
- Create an online application on the official website of the banking institution. Fill out the form - write your full name, e-mail, date of birth, mobile phone number. Then give consent to the processing of personal information - put the necessary mark in the application. Then it can be sent.
The decision on the loan in any case will be quick, on the day of application. An online application saves the client's time - he does not need to visit a bank office, stand in line, etc. He will receive approval for issuing a credit card immediately after sending an application for a loan - a bank employee will call the borrower or the decision will come by SMS. In the future, the borrower needs to contact one of the bank's offices to obtain an unnamed credit card, if desired, it is possible to issue a personalized card.
You can also call the telephone hotline, place an order for the issue of a credit card - the client will have to provide information to an employee of a banking institution.
In addition, any person can get a credit card when contacting the bank manager at the sales counter in shopping centers.
Terms of Use
Home credit card - it's easy enough to use it. The borrower buys a product / service, pays in equal installments for 3 months, without%. There is a network of partner stores banking organization where the installment plan is up to a year.
Cash withdrawal
This credit card is not intended for issuing money at cash desks, ATMs. It is not possible to withdraw cash from it.
Card replenishment
To deposit money into an account, you can use one of the options:
- Bank transaction;
- Internet bank of another financial company;
- When visiting a representative office of a banking institution;
- In post offices;
- From another card of the given banking institution (via Internet banking, applications);
- With the help of an affiliate network - Gold Crown, Beeline, Svyaznoy, MTS. Full list available on the organization's website.
Penalties
Installment by credit card - no%, in a situation of violation of the loan payment deadline, the bank charges up to 29.9% per annum on the debt amount.
A loan delay does not affect the further use of the credit card - having paid his debt, the borrower can continue to use the card, get an installment plan without interest.
Bonuses
List of partner stores of this banking institution that provide credit card installments:
- Aeroflot - up to 4 months;
- Citylink store chains, DNS - 4 and 5 months;
- Furniture company Shatura - up to 10 months;
- The Snow Queen - six months;
- Vsekupi.online - year.
A complete list of the bank's partners can be found on the official website of the financial institution.
Pros and cons of the card
The main advantages of a credit card:
- Availability without% installments for payment for services / goods;
- Convenient fixed period - monthly loan repayment in equal installments;
- Free card issue;
- You can get a credit card at the age of 18;
- Payment for purchases at any retail outlet;
- The presence of a clear calculation of the loan;
- Free SMS alerts;
- No credit card service fees;
- Beautiful card design;
- Various options for credit card replenishment;
- In a situation of delay - a small% rate.
Disadvantages of a credit card:
- Until now, a network of bank partners is being created to increase the loan installment plan. At the moment, the fixed period is 3 months, in some retail outlets - up to a year;
- The inability to withdraw funds.
Can I buy cards from non-partners?
It is best to make purchases from partners of the Freedom card - this way you can buy in installments up to 12 months. However, you can use the Freedom card everywhere, if you are approved for this opportunity. As a rule, this is about 30-50% of the total card limit. How much you can spend on purchases outside the affiliate network is written in the My Credit application and in the Internet bank.
If you were not given the opportunity to use the card everywhere, do not despair: we regularly review the card limits and thank our active and responsible customers. Of course, you can always buy with own funds.
How do I know how much to pay?
At the end of each billing period(every month on the 5th, 15th or 25th) we send you an SMS with the amount and date of payment on the card. The payment includes all payments for partner installments. We recommend making a payment 3 working days before the date specified in the SMS notification.
If you did not buy cards from partners at your own expense, you will receive an SMS with two payments: the minimum and the recommended. The minimum is all installment payments this month + 7% of purchases outside the partner's network, and the recommended one is all installment payments this month + the total cost of purchases not from the partner.
Do you have to pay interest?
There is no interest on the Freedom card, if you buy in installments from partners and completely cancel purchases outside the partner network.
What if I don’t pay?
If you do not make the minimum payment, you will be charged a fine of 590 rubles. Pay in full the fine and debt to continue using the Freedom card without restrictions.
Note: Overdue debt has a negative impact on your credit history. We recommend that you make your payment at least 3 business days before the payment date.
I already have an Installment Card. Do I need to do something?
No, your card will work under the conditions that were specified in your contract. But you can recommend the card to your friends and get 500 rubles for it!
The card didn't work, what should I do?
If your Freedom card allows you to pay only with partners, any other stores will be refused. If you could not pay for a purchase from a partner with a card, a technical error is possible: tell the bank employee about the situation in the chat or by calling the hotline. We will always help and fix the error.
Why didn't the installment plan work?
We often arrange promotions with an extended installment plan with a partner. If the purchase was not according to the promotional conditions, contact the bank's chat: we will consider the situation and correct the shortcomings.
You can see the term of the installment plan and the number of payments in the Internet bank and the My Credit application.
What will happen if I bring in more money what do you need?
If you deposit more than the recommended payment, the remainder will be used to pay off the largest installment plan on the card. This will make all your next payments lower. If you deposit an amount on top of the card limit, you can use your own money for purchases without restrictions on partners.
What is "Freedom +"?
"Svoboda +" is a package of services that makes shopping with the Svoboda card more comfortable. The package includes services:
- "Skip payment": allows you to skip a payment once every 6 months (for the first time - after three payments made on time). The payment is transferred to next month... The service is free and available if you have not missed your card.
- "+6": to increase the term of the installment plan by 6 months. The service costs 6% of the purchase.
- "+10": to increase the term of the installment plan by 10 months. The service costs 10% of the purchase.
"Freedom +" costs 0.99% of the debt (from 99 to 499 rubles) per month. You connect the package of services yourself: at the department when you issue a card or by phone. We are planning to add these options to mobile app My Credit and Internet Banking.
The need to raise funds from outside may arise at the most inconvenient moment. In such situations, we are used to contacting friends and ordering loan services in financial institutions... Today credit card The installment card is one of the most popular banking products among Russians. It is used for various purposes - buying new furniture, traveling abroad, etc. This tool is preferable not only in terms of comfort, but also in terms of reliability. If it is lost or stolen, it is enough to quickly call the hotline and report the incident. Then the operator will block the "plastic" before your visit to the office.
How to choose a product
First, you need to study the basic conditions offered by the bank. The final cost depends on several parameters: interest rate, duration, service charges. Of course, the size of the amount is also important. Therefore, you must competently approach the calculation of the planned costs. Try to save on possible aspects - the less the final debt is, the easier and faster you will pay it off. Some draw up huge amounts of money, but such a step can only aggravate the financial situation.
Then move on to exploring additional options. Features such as cash back, bonus programs and discounts on purchases from partner companies will help you save personal money, even in everyday activities. Another distinctive feature of the "plastic" should be called the presence of a grace period. It is provided for free debt repayment within the deadline... If you are planning to pay off debt in the near future, this product advantage will help you avoid paying interest.
The registration process itself is quite simple and will not take much of your time. You must fill out an application at a bank branch or fill out a special form on the official website. The second method is much more popular with consumers, as no one wants to leave their home or work and stand in long lines. In addition, online applications go straight to the database. This means that employees do not waste time processing them, and the procedure for reviewing and making a decision is much faster.
Information search portal
On the site you will find reliable information about the offers available on the market. Here you can study all the conditions and criteria for providing, as well as make calculations for several options using an online calculator. In the ratings section, users leave reviews and comments about the work of financial institutions.
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