Home loan individual offer. Cash loan from Home Credit Bank: an overview of programs and conditions
Today, a credit card is a universal tool that allows you to conveniently and quickly solve most financial issues... "Plastic" with a bank limit is offered by many financial institutions, but in this article we will consider what a card is. credit home A bank loan, what advantages it has, under what conditions it is provided and how to get and use it.
This financial institution has been issuing and issuing credit cards to the population of the country since 2004. And now, for more than 10 years, the plastic products of Home Credit Bank have been very popular among lovers of convenient and fast methods of payment for goods and services.
Home Credit Bank offers: cards with a credit limit
Currently, the bank issues and offers consumers 3 types of credit cards, each of which has its own purpose, terms of use and positive aspects. So, if you have already thought about getting a Home Credit card loan, the Quick Shopping credit card can become a reliable assistant for you in solving many financial tasks... It is with her that we will begin to consider the card products of this financial institution.
Home Credit Gold Credit Card
But first I would like to say that Home Credit Bank can make you a personal offer to receive any card from its line. With this offer, you can get "plastic" in just 15 minutes. But the financial institution makes individual offers only for its existing clients, but only for honest and loyal ones.
You can easily get any credit card, you will be able to make an online application Home Credit according to a personal offer if you participate in a salary project, have debit "plastic" or a deposit in a bank, and also use the services of targeted or non-targeted lending.
"Quick Shopping" credit card
Such a bank product got its name due to the fact that its registration is carried out in just half an hour. "Plastic" is also called an instant issue card. You can get it in the credit department, and the application can be submitted online. It is advisable to submit it from the official site, while you do not need to enter a lot of information about yourself. You will be contacted by an employee who will receive yours in Home Credit online application, the credit card will not be personalized, that is, without your name on the front.
By phone, you will need to answer all the manager's questions and give all the necessary information about yourself. The decision will be made within 15-30 minutes, after which you will be notified by phone call or SMS. Before you go to the office to receive the card, you will already know what limit is approved for you. It is also worth considering that a plastic product can be obtained only with full compliance with the requirements of the bank and subject to the submission of a full package of documents. So, let's look at what it takes to get the credit "plastic" of Home Bank, an application for a Home Credit "Quick Shopping" credit card can be accepted for consideration from potential borrowers who meet the following requirements:
- Russian citizenship;
- Age restrictions 21-64, the latter is valid for the time when the contract will be concluded;
- The presence of a military ID. You will need to present to men under the age of 27;
- The borrower must have permanent registration in the area where the card issuance procedure will be carried out;
- The address of actual residence may not coincide with the registration, but it is necessary that the borrower resides in the area of presence of the branch where the Home Credit Bank card will be issued;
- You must have a steady income that will allow you to service the plastic product;
- You will also need official employment, the term of work for which should not be less than 3 months;
- When filling out a questionnaire to verify the data, you will need to leave the landline phone number of the personnel department or the accounting department of your work, as well as the landline home and necessarily - contact mobile number phone.
Home Credit Platinum Credit Card
If you are already a client of the bank, receive a salary on the card issued by him, the owner of a debit product, a depositor or simply a consumer loan user, then you can wait for a personal offer, for which an online loan application can be submitted, a Home Credit card can be obtained without a personal loan. suggestions. The main conditions of the credit card are as follows:
- The bank provides a limit that can be renewed. Its size is set for each individual client individually and can be at least 15 thousand rubles, maximum - 300 thousand rubles;
- The interest for the use of funds borrowed from the bank is fixed for using a credit card by bank transfer and is equal to 33.8 per year, but if you withdraw money from an ATM, the interest will be 49.9 per year;
- Sum minimum payment that you will need to deposit during the billing period is only 5% of the debt, plus accrued interest;
- If you send an application for a credit card online to Home Credit, you will receive "plastic" with a period of interest-free crediting for up to 51 days;
- The bank does not charge a fee for servicing the card;
- If it is necessary to reissue the card at the initiative of its holder, the bank is ready to reissue the card for 200 rubles, starting from the second. The first reissue is free of charge. Also, the card is reissued for free at the end of its validity period;
- Cash can only be withdrawn from ATMs and cash desks of third-party banks. This service is not provided at the Home box office;
- For cashing out bank money at any ATMs, a commission of 5% of the withdrawn amount is charged;
- Payment for SMS informing - 59 rubles. Charged monthly;
- The card is issued in partnership with payment system Mastercard of the Standard category.
If you have submitted an application for a Home Credit "Quick Shopping" and approved, along with the "plastic" you get the opportunity to deposit money into its account through terminals, ATMs and cash desks of a financial institution without commission. In addition, there is no charge for locking and unlocking, issuing a PIN (new) and regular email notifications. You can also connect any Internet banking services for free and use them, receive a card account statement whenever you need it.
Credit card Home Credit "Fair"
Of the minuses of this "plastic" it is worth highlighting high percent for the use of borrowed money and a large fee for cashing them. But you can apply for a credit card online Home Credit "Quick shopping" and actively use the grace time, during which you will not have to pay interest. At the same time, you do not need to pay a high commission for withdrawing money, since the interest-free period here applies only to non-cash transactions.
Please also note that the initial credit limit for this product can be charged in the minimum amount, that is, only 15 thousand rubles. Moreover, if you actively use the card, the loan amount on it can be increased by the financial institution first by 2 or 3 times, and then you can get the maximum limit. In order to apply for a Quick Shopping credit card at Home Credit Bank, you only need to present your passport, the lender will check all the rest of the information by calling the phone numbers that you leave.
Credit card "Benefit"
Such a plastic product supports the Benefit Shopping bonus program. Each client of the bank who becomes the owner of such a card automatically becomes its participant. Initially, it appeared in the line of a financial institution in 2014, in April, after which it was actively disseminated almost immediately, which led to its success. Now many consumers use this card. You can apply for it in the credit department of Home Credit Bank, an application for a "Benefit" credit card will be accepted for consideration from clients who meet the following requirements:
- Russian citizenship;
- The borrower at the time of registration must already be 21 years old, and he cannot be older than 64 years;
- Registration (permanent) is required in the territory of the presence of the bank branch and permanent residence in the area where the contract will be concluded;
- A potential holder of such "plastic" must be officially employed for work at least 3 months ago, on the date of application. At the same time, his income must be stable and allow the card to be serviced.
You only need to present the original passport in order to receive such a credit card, the online application of the Home Credit Bank is provided for and the decision on its issuance can be made remotely. If you send an application to the bank for consideration, the manager will contact you in about 15 minutes and start asking questions to fill out a more detailed questionnaire than an electronic one. You will have to tell him your passport details, information about work and place of residence, and you will also need to leave a stationary work phone number and a landline home.
Home Credit "Eldorado" credit card
Since a credit card is issued only with a passport, the bank will call you at home and at work in order to check the accuracy of the information you said. It is worth clarifying that in Home Credit, an online credit card can be issued for you both in the "Light" and "Classic" categories. Both cards are issued in cooperation with the Visa payment system, and you can only use "plastic" of the "Light" category. It will not be a named product, which will be yours on the day you apply.
A Visa Classic "Benefit" credit card can be obtained with a passport and two additional documents at the choice of the borrower from the list provided by the bank.
This may include both a passport and TIN, as well as a certificate of income and a copy of the employment number. Financial institution requests documents at its discretion. It is worth noting that an online application for a Home Credit Card "Benefit" Visa Classic is also provided, but it can be obtained not on the day of application, but after several weeks. Since such a card will be personalized, the bank needs time to issue it.
On the day of circulation, such "plastic" can be obtained only at the personal offer of a financial institution. For such offers, a credit card is also issued only with an identity card. Before submitting an application, pay attention to the basic conditions of the card product:
- The limit on the "Light" card does not exceed 300 thousand rubles, while the minimum is only 10 thousand. But you can apply for an online "Benefit" Classic card at Home Credit Bank, the maximum limit for which reaches 500 thousand rubles - the minimum is 15 thousand;
- The percentage rate for this "plastic" is 33.8 per year. This percentage is valid only for non-cash transactions with a card; when withdrawing funds, the rate is 49.9% per year;
- Payment on your card will be only 5% per month, plus a percentage for using - this is the minimum;
- Service "plastic" is free for clients who received it on a personal offer, for others - 149 rubles - is debited monthly;
- If, at your request, you need to reissue the card, then the first one will be free. All subsequent ones - 200 rubles. If a credit card issued at Home Credit Bank, the online application for which has been approved, requires a re-issue at the end of the validity period, then it will also be free;
- Payment for SMS notification is charged monthly and costs 59 rubles.
Having issued such a card, you can replenish its account without commission, receive a new PIN-code for free, as well as an account statement. No commission is charged for blocking and unblocking, Internet banking services and informing by e-mail are absolutely free. Concerning bonus program, then bonuses are accrued as a percentage of purchases paid by bank transfer... You get the opportunity to issue a card at Home Credit Bank and receive 2% from each non-cash transaction of the amount spent.
Home Credit debit card "Benefit"
For partners of a financial institution and in certain categories, this percentage can go up to 20. For example, when operating at gas stations, 4% of the amount spent will be returned to your account with bonuses. In one month, you can be credited with 2000 bonuses - this is the maximum. You can spend them at the rate of 1 bonus - 1 ruble. You need to use them within a year, otherwise they will disappear. You can spend bonuses only in the Internet bank and not on anything, but to compensate for the purchases you made earlier.
If you decide to apply for a credit card online, Home Credit Bank will consider your application in 15-30 minutes, after which they will call you and inform you of the decision.
BLACK EDITION premium credit card
The premium product is issued by the bank in partnership with the Mastercard payment system. Full name - MasterCard World black Edition. The main advantage of plastic is the support of the CashBack option, thanks to which the holders of such cards receive 2% of any non-cash transactions on the card back to the account and 5% when paying for goods and services in such categories as "Beauty salons", "Gifts", "Cinema" , "Theaters", "Sports".
You get a unique opportunity in Home Credit Bank to apply for a credit World map and get a solid and prestigious status, great opportunities and a relatively low interest rate. The only drawback here is the rather expensive annual service. So let's take a closer look at the conditions.
- The maximum limit for such a product is 300 thousand rubles, while the minimum is 120 thousand, which is quite decent. The loan amount is calculated by the bank individually for each future holder of a plastic card;
- The annual service fee is 5900 rubles;
- The interest for using the bank's borrowed money is fixed and equal to 24.9 per year, while this figure applies both to non-cash payments and to cashing out money;
- If Home Credit Bank approves the application for a credit card of this category, you can pay off the debt only 10% of the amount spent, plus the interest accrued for use;
- The time during which you can not pay interest on the loan is 51 days. The service applies only to transactions carried out by bank transfer;
- Reissuing a card at your initiative costs 200 rubles, at the end of the term of operation - reissuing is free of charge;
- It is possible to withdraw cash from ATMs only with a commission, which is equal to 5% of the amount cashed, and it cannot be less than 100 rubles.
You can apply for a premium card at Home Credit Bank and additionally activate any service in the Internet bank, which will be free for you. At the same time, you will have to pay for SMS informing, as with other credit cards, 59 rubles per month. Credit "plastic" is issued with an electronic chip, has a Purchase Protection program and a concierge service. This card personalized, you can get it at the personal proposal of a financial institution only with a passport in 15 minutes.
Without a personal offer, you will have to wait several weeks until the "plastic" is made.
Green Benefit Home Credit Debit Card
In addition, the loan officer will definitely ask you for a working landline phone and a home phone for checking. Their absence may become the reason for the refusal to provide premium "plastic" with credit limit... After receiving a positive decision from Credit Home Bank, you need to issue a credit card at the office of a financial institution, presenting a passport and 2 additional documents that the employee will ask you to bring by phone.
When the card is issued, you will be notified about this by SMS or by a call to the contact mobile phone number and you will only have to get a credit card at the bank branch. Please note that the financial institution does not require proof of income, which is a big plus. At the same time, in order for your application to be accepted for consideration, you must meet the bank's requirements for borrowers. And men under 27 years old are required to present a military ID at registration.
In order for your online Home Bank credit card application to be accepted and you have a chance of getting a positive decision, check if you meet the requirements of the financial institution.
- Only citizens of the Russian Federation can count on receiving a credit card;
- The bank restricts applications based on the age of potential borrowers. Limitations: 21-70 for the time when the contract is concluded;
- The address of residence and registration must be in the region where the "plastic" will be issued;
- The borrower is required to verbally confirm employment, work experience of which is at least 3 months and constant earnings, the amount of which should allow servicing the card product.
If you are interested in the Home premium credit card, the online application will help you to reduce the time it takes to process the "plastic". After all, thanks to her, you will be able to send your data for consideration to the bank without leaving home and without interrupting your important affairs.
Advantages of Home Credit Bank cards with a credit limit
Plastic credit cards quite widespread in our time. Many people have such a banking product, and some of them actively use several plastic products of one or several banks at once. If you use a credit card correctly, exactly and use all its privileges and options, then it will bring you positive emotions and a lot of benefits.
Debit card Home Credit "Key"
For example, if you issue a Home Credit card, an online application for which will be reviewed within half an hour, you can get a product with an interest-free lending period of 51 days and not pay interest to the bank for using the funds borrowed from it. To do this, you just need to learn how to use grace period, but it's not difficult. Do not withdraw cash from ATMs and you will not be charged a withdrawal fee. Pay for purchases of goods and services by bank transfer in shopping centers, gas stations, supermarkets, on the Internet.
Now there are many outlets where payment by card is accepted, so it will not be superfluous to issue a Home Credit bank credit card and pay it instead of carrying a wallet with cash. Firstly, it is convenient - one card instead of a large wallet, and secondly, it is safe - you can lose your wallet or it can be stolen from you. At the same time, the money that was in it is unlikely to be returned. In a similar situation with a card, you can immediately block it with one call to the bank and your funds will remain intact.
Credit "plastic" of this financial institution has a lot of undeniable advantages. First of all, it is the possibility of remote registration and consideration of the application. If you want to register without visiting the office online loan, Home Bank cards, online application for which are accepted by a financial institution, are perfect for you. If we talk in more detail about the advantages of credit cards, then it is worth highlighting the following:
- Availability. You will always have free money at hand that you can spend for any purpose;
- Convenience. You do not need to apply to the bank for a new loan every time you need it. The card limit is renewed, so you can use it several times;
- Modern technologies. Now you don't have to carry cash everywhere with you. Already most of the retail outlets, including cinemas, restaurants and gas stations have in their arsenal POS-terminals, with which you can easily pay for purchases with a card;
- Security, because a Home Bank credit card, an online application for which is processed quickly, involves use abroad. Therefore, outside of Russia, she will become your indispensable assistant. In addition, the loss of "plastic" is not terrible for you. In this case, the card can be blocked, and then just get a new one, with the same account and funds that were on it when it was lost;
- Quite large amounts of card limits. Even if the bank initially installs for you minimum amount limit, do not despair and give up the "plastic". Just use the card actively and the bank will definitely increase your limit as soon as possible;
- Regular customers of a financial institution can apply for a credit card at Home Credit Bank on more favorable and loyal terms according to a personal offer;
- There is a period of interest-free lending, thanks to which you can not pay interest for using bank funds;
- A card is a means of payment, thanks to which you can pay for goods and services via the Internet at any time without leaving your home, which is very convenient;
- The presence of protection using 3DS technology allows you to safely make any transactions over the Internet;
- When paying for goods and services with "plastic", you will undoubtedly receive good discounts and take part in various programs from the world payment systems Visa or Mastercard.
Debit card Home Credit "Mir"
As you can see, credit cards of this financial institution have a lot of positive qualities, therefore, knowing how to apply for a Home Credit bank credit card, you get the opportunity to take advantage of all the advantages that are inherent in them.
Cons of Home Credit Bank Credit Cards
If we talk about the disadvantages, then first of all it is worth highlighting the fact that the term of the interest-free period on the cards of this bank does not apply to cash withdrawals. In addition, the disadvantage is also the high interest for cashing out money, even in the native ATMs of a financial institution. Many banks deliver cards to a client's home, which allows them not to visit a credit institution. Home Credit Bank does not provide such a service, only a credit card is issued at the office, an online application to Home Credit allows you only to send your data for consideration and get a decision.
The disadvantages of credit cards of this financial institution can also be attributed to a paid SMS service and a fairly high interest rate for the products "Quick Shopping" and "Benefit".
Of course, if you use the grace period, then you can not pay interest, but if you suddenly need cash, or you did not have time to return the money spent by the end of the interest-free period, get ready to pay. The financial institution calculates interest on a daily basis.
What you need to know when applying for a credit card
If you decide to apply for a credit card at Home Credit, while you want to save your time on contacting the bank in person, apply online. When filling out the application, it should be borne in mind that the more information you send about yourself to the bank, the faster the decision on issuing the card will be made. The application on the official website of the bank does not contain many fields for entering information, so filling it out will take you no more than 5 minutes. But it is worth considering that you will have to give the missing information to the bank by phone.
Do not forget that the manager will call you back as soon as he receives your application, so if you want to receive a positive answer, then wait for the call and prepare your passport. Please note that the application for a Home Bank credit card will continue to be completed by phone, and if you do not answer the call, this may serve as a reason for refusing to issue a credit card. In addition, you will need to know the full name of the organization in which you work, as well as the landline phone number of the HR department or accounting department. The bank will call it and check the accuracy of the information you have given about employment and the amount of monthly earnings.
Debit card Home Credit "Cosmos"
In addition, the bank will need to provide the number of your landline phone, home. If you do not have one, you can leave the number of relatives or friends, of course, with their permission. Since the Home Credit credit card is issued to you, it is imperative to notify the owner of the home landline phone number that they will call from the bank and ask questions. If the bank hears any negative information about you on the phone you left, it may make a negative decision to issue the card.
If a credit card is issued for more than one passport, prepare in advance all the documents that you are ready to submit to the bank in addition, so that you can quickly inform the manager of the information he asks for. These documents include: passport, TIN certificate, SNILS, insurance policy, military ID, driver's license, documents confirming the ownership of real estate and much more. Fill out the application correctly and answer all questions correctly. Do not overstate your income and do not try to cheat the bank. This is the only way you can get a positive decision on the card.
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A consumer loan in Home Credit is provided only to citizens of the Russian Federation in the age range from 23 to 64 years old. In order to obtain a loan, you must have a permanent source of income (the minimum term of work in the last place is from 3 months). In addition, the applicant is obliged to inform home phone and data from the place of work.
A loan from "HKF Bank" can be taken only in the region of permanent registration and actual residence, that is, if you are registered in the Lipetsk region, then you can apply only within its limits. Discrepancies between the real address and the place of registration are allowed, but again, within the same region of the Russian Federation.
What documents are required for a loan?
Until recently, the bank issued some loans based on the provision of only two documents and data from the words of the applicant. To date, the requirements for borrowers have become somewhat stricter, now the company requires not only a passport and a second document (SNILS, driver's license, pension certificate or foreign passport), but also a number of additional official papers. So, men under 27 years old must provide a military ID, and all the rest - documents on solvency.
Ironically, the bank's list containing these documents does not include a standard copy. work book and the usual 2NDFL certificate, but the applicant can provide:
- debit account statement for the last six months;
- original TCP;
- CASCO policy;
- voluntary policy health insurance and many others. dr.
It should be noted that these documents are provided under certain conditions, which you can clarify with a bank representative. The Fast Money and Big Money 400 products require one document confirming the client's ability to pay, and the Big Money 700 products require two.
Types of credit products "Home Credit Bank"
Only two types of consumer loans from Home Credit Bank are able to satisfy the basic requirements of those wishing to apply for a loan. These products differ primarily in terms of consideration, loan periods, interest rates and the maximum possible loan amount. Let's take a closer look at both of these options.
Loans
5The Fast Money product allows you to issue up to 150,000 rubles with a review period of up to 1 day. In fact, such a loan can be a good alternative to microloans, if, of course, you are suitable for the necessary conditions... You can apply for the Fast Money 50 promotion from 10,000 to 50,000 rubles for a period of 6 to 36 months. Percentage annual rate this will equal 46.9. "Fast Money 150" allows you to borrow from 30,000 to 150,000 rubles for a period from six months to 4 years. The annual interest rate here will be slightly lower - 36.9%. The process of registration itself takes no more than half an hour, the bank informs about its decision within 24 hours.
How big is the overpayment for such products? Having made an approximate calculation for the estimated loan amount of 10,000 rubles and a period of 3 years, we will receive a monthly payment of 524 rubles and overall size overpayment of 8864 rubles for the entire period - whether it is a lot or a little - you judge.
The "Big Money" product is focused on somewhat longer terms and loan amounts. So, for Big Money 400 it is possible to issue from 50,000 to 400,000 rubles, for Big Money 700 - from 100,000 to 700,000 rubles for a period of one to 5 years. The first option provides for a rate of 21.9 per annum, in the second - 19.9. After submitting the application, the bank will consider the possibility of providing a loan up to 5 business days.
Well, if you compare conditions with others financial companies, then we can say that this product, although not the cheapest, is far from the most expensive. Let's make an approximate calculation of a loan for 100,000 rubles for a period of 60 months: our monthly payment in this case, it will be equal to 2,638 rubles, and the amount of overpayment for the entire period will be 58,280 rubles.
How to get a loan with Home Credit?
The algorithm of your actions, if desired, to issue for yourself consumer credit Home Credit will be as follows:
- You contact the office of the company, provide Required documents and information about yourself.
- Fill out an application for a loan together with a bank employee, the loan officer sends it to the back office for consideration.
- If the decision is positive, you just have to sign the application, and the bank will instantly transfer your funds to the account. You can cash out immediately.
There are situations when the bank does not refuse to lend to the applicant, but does not approve the loan, but offers Alternative option... For example, the applicant can be given a loan, but subject to an increase in the term, a decrease in the amount or a change interest rate... In this case potential borrower has the right to both accept the new conditions and refuse them.
How do I pay monthly installments?
Home Credit Bank provides many options for repaying your monthly credit debt... So, absolutely free you can make payments:
- through the cash desk at the bank's office (crediting funds during the day);
- through an online bank, by transferring from your debit card (payment crediting within 2 days);
- through Home Credit ATMs “Cash-in” (the money will be on the credit account in a maximum of 3 days).
There are also paid repayment channels for monthly loan installments:
- Through branches of other banks (up to 5 business days).
- Through FSUE Russian Post (up to 7 working days).
- Through the salons of cellular communication "Svyaznoy", "Euroset" and "MTS".
- Through the Zolotaya Korona service, CONTACT point, Rapida system, Eleksnet terminals.
In addition, each borrower has the opportunity to agree with his accounting department about the transfer. Money to your credit account directly from wages... However, not all organizations meet their employees halfway. In addition, keep in mind that if the payment is not paid on time, for example, if the salary is delayed, the responsibility for the dishonest performance of your duties to the bank will still lie only with you.
HCFB offers individuals convenient and profitable loan programs.
Cash:
- A new client, applying for a loan, can count on an amount from 30,000 to 500,000 rubles at 14.9% - 25.6% per annum, for a period of 12 to 60 months.
- For regular customers, the loan amount has been increased and ranges from 10,000 to 850,000 rubles, the loan term is 12 - 84 months with a similar interest rate. Proof of income is optional.
HCFB does not exercise control over the intended use of the issued funds. Loans are provided only in Russian rubles... The processing time of the application is minimal and usually does not exceed two hours.
For the "purchase of goods" Home Credit
Today, HCFB offers its customers the possibility of targeted lending in partner stores (in 2017: 44 large chain stores and many small ones) that have entered into a cooperation agreement with the bank.
You can apply for a trade loan for household appliances, furniture, interior items, electronics, tourism services and other products within the framework of the following programs:
- loan without overpayment;
- preferential loan;
- overpayment loan.
The terms and amount of the loan depend on the chosen partner of the bank, the purchase price and the client's solvency. Typically, the loan amount varies from 30,000 to 500,000 rubles, in some cases it can reach 800,000 rubles. Maximum term: 4 years (48 months).
The amount of the overpayment depends on the chosen loan scheme, for example, on preferential, in case of early repayment within 6 months, the overpayment will be 0%. Interest rates on the "purchase of goods" in the bank vary from 7.28% to 34.9% per annum.
Detailed credit conditions can be found
Before registration, go to the official website of the bank and calculate the approximate overpayment using a loan calculator. Just move the slider along the loan parameters and you will find out the payment amount, due date and overpayment.
But, it is worth considering that in loan calculator defaults are used minimum rates, which are rarely used, in fact.
Requirements for clients
When registering cash loan, the client must meet the following parameters:
- age from 22 to 64 years old inclusive;
- citizenship of the Russian Federation;
- permanent registration in the region of registration of the application;
- stable income;
- positive credit history.
The age range for obtaining a commodity loan has been expanded: from 18 to 75 years inclusive. The rest of the requirements are similar.
Package of documents
Loan for consumer needs in HCFB can be issued without certificates and guarantors, providing only a passport.
If necessary, the bank will ask pensioners for a pension certificate or a certificate of the amount of the established pension, for the rest - SNILS, foreigner or rights.
Special offer loans
To get a special offer from HCFB and take out a loan on favorable terms, you need to have an impeccable credit history in the bank or get a cash loan at 17.9% on the bank's website. After making several payments on time, credit organisation will start sending SMS and letters with more and more favorable credit terms.
It is convenient to follow special offers on the official website of the bank or in your personal account.
Ways to apply for a loan
You can get a loan using only one passport, without providing certificates of income to HCFB: by visiting the bank's office, or by contacting the hotline.
Personal visit
The nearest bank office will suit you. Provide the loan officer with your personal information and provide the necessary documents. If the loan is approved, sign the agreement and application. The bank will transfer money to the account on the same day.
Through the Internet
It is convenient to get a loan online. It is necessary to fill out on the official website of the bank and get a prompt decision.
In the questionnaire you need to indicate:
Wait for a phone call from the manager, who will tell you in detail about the terms of lending and the rules for repayment of debt. In order to sign the agreement, you will have to visit the bank's office.
By phone
An application by phone is convenient for those who do not have access to the Internet or have difficulties in forming an application on their own. It is enough to contact the credit agent by phone + 7- 495- 785-82-22 and provide your passport details. Further - follow the instructions of the operator.
How to pay and arrange early repayment?
Free depositing funds towards payment of the loan:
- branches of other banks (no more than 5 working days);
- branches of FSUE Russian Post (no more than 7 working days);
- in the offices of representatives of cellular communications, for example, "Svyaznoy", "MTS", etc .;
- at the service points " gold Crown"," Eleksnet "," CONTACT ".
In addition to the above methods, the client can contact the accounting department at the place of work to apply for the transfer of part of his salary to pay off the debt.
Home Credit Bank welcomes early repayment, but in order to do everything right, a number of conditions must be met:
- specify the amount owed on the day of payment to the bank's call-center;
- write a statement of intent to pay off the entire debt ahead of schedule;
- pay the debt in a way convenient for you.
Debt restructuring
If you have difficulties in life and it is impossible to pay off a consumer loan on schedule, contact the bank without waiting for the debt to form. The bank, as a rule, meets halfway and draws up debt restructuring in one of the following ways:
- If the delay is small (1-2 payments) or has not yet occurred, the bank will conclude an additional agreement with the client to increase the loan term.
- If the delay is long - conditions loan agreement the bank will not change, but will only suspend the accrual of fines for six months, and the client, in turn, must regularly contribute to the repayment of the loan amounts that are within his power.
Restructuring may be refused if:
- the client has already used this service before;
- the loan has already been transferred to collectors or to court.
Debt restructuring is new loan, according to which more profitable terms... At the expense of the newly received funds, the client will be able to fully repay the debt to other banks.
Do you want to save on a loan in Home Credit, get a mortgage on terms of a reduced interest rate or make profitable contribution? Advantages banking services financial institution can be assessed using the special offers of Home Credit. You will learn about the bank's promotions and the timing of their holding from this publication.
Home Credit Bank products with shares *
Home Credit special offers apply to:- Conditions for issuing cash loans.
- Obtaining credit cards.
- Debt repayment.
- Placement of deposits.
- Account opening.
- Charitable purposes.
- Cultural events, etc.
For information about the bank's shares, subscribe to the news of the credit institution:
- On the main page of the site in the upper banner in the tabs "Online application", "Loans", "Loans" or "Deposits".
The specified page with special offers is also opened by clicking on the tab on the right "Special offer of the Bank".
2.In social networks... Direct links to the official accounts of the bank can be obtained on the Home Credit website. You can also find the profile of a financial institution through search engines social portals. To do this, just enter the official name of the organization in the search bar. Home Credit Bank or Home Credit Bank.
3. On the home page of the site Home Credit with promotions.
WITH home page you can go to the tab "Other services" - "Promotions".
4. In the "Ask a question" tab on the Home Credit portal on the right or the link of the same name above
6. To receive news on loan offers, follow these steps:
- Open the tab "Loans -" Learn about the special offer from the Bank. "
- Clicking on the link opens a page with a profile. Fill in the following fields:
Your date of birth;
Mobile phone;
Email.
- Check the box to agree to receive information from Home Credit Bank and process personal data.
- Click Show Result.
- to the specified phone and enter in the free field.
- Click on the "Show result" button again.
Home Credit: loan offers on special terms *
A financial institution provides the following lending benefits:
- Up to 10% refund of expenses for purchases in online stores. Making a profit is possible in the period from 02/01/2015 to 02/01/2016.
- 3 free operations to withdraw cash from an ATM. Validity period - from 01.02.2015 to 01.02.2016.
- For purchases in special categories (tourism, technology, etc.) - bonus accrual up to 4% on the card. The time of the event is unlimited.
- Decrease in interest rates. Held from 01.02.2015 to 01.02.2016
- Cancellation of the loan support fee. Participation can be taken from 02/01/2015 to 02/01/2016.
- Up to 50% discount on cash withdrawals. Carrying out period - from 01.02.2015 to 01.02.2016.
- "SMS action". Notifications are sent free of charge in the period from 04/02/2015 to 07/31/2015.
Promotions in Home Credit Bank *
A credit institution notifies about the holding of shares in the following categories:- Salary projects:
Increase in the credit limit from 400 thousand rubles. up to 500 thousand rubles The duration of the action is unlimited.
- Opening a deposit "Quick Income" in the Internet Bank at a rate of 13%. The duration of the action is unlimited.
- Opening a deposit "Key interest" with a rate of 12.5% on a deposit for 3 months. Time - from June 11, 2015
3. Debit cards:
- Accrual of income on the balance in rubles - 10% on the card " Good news". The time of the action is unlimited.
- Earning bonus points for purchases with the online card "Benefit" in the following companies: Booking, Yves Rocher, Holodilnik.ru, MediaMarkt, Technosila, Tutu, Otto, M.Video, etc. Bonuses are awarded at any time of using the card.
4. Premium cards World MasterCard Black Edition:
- CashBack - refund to the card up to 5% of the purchase in the categories: "Sports", "Theaters and Cinema", "Beauty salons and gifts". The promotion lasts from 01.04.2015 to 30.06.2015 inclusive.
5. Promotions:
- "Children and Money": books for financial education of children. The Home Credit website provides an opportunity to download a family finance tutorial for children online for free. Conditions are valid for the first 2000 participants.
- "Extend your deposit": for deposit holders "Only pluses", "Only pluses (prime)", "Ten" in rubles. The time of the action is from October 01, 2013 to 01/09/2016.
6. Visa cards Premium class.
- When shopping at the Azbuka Vkusa store, a spice mill is a gift. The time of the event is from June 1 to June 30, 2015.
Does Home Credit hold debt amnesty shares
From time to time Home Credit Bank announces debt amnesty campaigns as part of its customer loyalty program. Participation in the project is carried out on the following conditions:
- The bank client has an overdue debt.
- The violation of the terms occurred without, for example, in connection with the deprivation of a job or a change of position to a lower-paid one, due to illness, etc.
- Payment of 20% of the outstanding amount in one payment.
- Amnesty can be expressed in the following forms:
Usually banks do not disclose information about the amnesty of debts in public sources. The circle of persons participating in the action is determined credit institution internal orders.
Go to the Home Credit Bank website. Read the terms of issuing a loan and click on the "Application for a loan" button:
To submit loan application, fill in the form. Enter your full name and email address:
Enter your date of birth, series and passport number. Enter your phone number. Click on the "Submit" button:
A code will be sent to the phone number. Enter it on the website to confirm your loan application.
Borrower requirements
- Russian citizenship
- 22 to 64 years old
- Permanent registration on the territory of Russia
- Work experience in the last job from 3 months
- Good credit history
- Source of permanent income
Required documents
- Russian passport
- SNILS (optional)
- Pension certificate (if any)
About the bank
Home Credit - big bank with foreign participation. Registered in 1990 in Zelenograd. Several large enterprises of the city were its founders. In 2002, the bank was acquired by the financial group Home Credit Group, which, in turn, is part of the PPF group of the Czech businessman Petr Kellner. In 2003, the bank received its current name.
Now almost all of the bank's shares are controlled by the PPF group through Home Credit structures. The bank's head office is located in Moscow. Home Credit has a developed network of branches, which includes more than three thousand offices and about one hundred thousand points of sale throughout Russia. The Bank operates on the basis of General License No. issued by the Central Bank on March 15, 2012.
Home Credit specializes primarily in consumer lending... He actively provides loans for the purchase of goods in partner stores, cash loans and credit cards... In addition, the bank accepts deposits and issues debit cards and also organizes salary projects for business.
The documents
You will learn how to enter your personal account on the official website of Home Credit Bank online. Detailed instructions for easy and quick access to homecredit.ru with screenshots and video instructions. A visual guide to recovering a forgotten password personal account jar. We provide only the most up-to-date information.
Answers to popular questions
Can I get a loan at Home Credit Bank without insurance?
The insurance service, when applying for a loan, is voluntary. Its presence does not affect the decision of Home Credit Bank to issue. A bank employee can offer to take out insurance, but has no right to insist on this.
Do I have to prove my income if I need a small loan?
Home Credit Bank does not require confirmation of income with a 2-NDFL certificate for any loan amount. The bank checks the information about the employer and the availability pension contributions on SNILS number... Home Credit Bank also uses information from employers themselves and information from the BCH.
How can you find out the balance of the loan debt?
You can control loan repayment in the "My Credit" service using the Internet version or a mobile application. In the service, you can specify the date and amount of the payment, pay off the loan and find out if the payment has been credited. You will need a mobile phone to access My Credit.
Can I change the loan payment date?
Home Credit Bank makes it possible to change the date of the monthly payment 1 time during the loan agreement. To change the payment date, apply to the office or the point of issue of loans from a partner of Home Credit Bank.
How to repay Home Credit Bank loan for free?
The bank loan can be repaid without commission in the Internet bank or mobile application from Home Credit Bank cards. The bank accepts cash in the office and in its cash-in devices - ATMs and payment terminals.
The first 2 payments can be made without commission through the "My Credit" service from cards of any Russian banks. The following payments can be made without commission if there is no Home Credit Bank office and ATMs in your city.