Home loan interest rate. Home loan terms and conditions
Home Credit Bank is a popular lending institution known for its customer focus and loyalty to potential borrowers. Home Credit Bank loans to individuals - this is a quick review on calls for new customers and profitable terms lending for permanent borrowers. That is why so many people who want to get a cash loan on the same day apply to the organization.
What are the purposes and terms of loans in Home Credit? Requirements for clients
Home Credit Bank loans to individuals are focused on consumer purposes and needs, that is, they are provided without a specific designated purpose. You can spend the money received on credit in the HCF for anything. For example:
- To buy or repair a car
- For a long-awaited vacation by the sea
- To update the apartment (furniture, cosmetic repairs, replacement of pipes in the bathroom, etc.)
- For dental treatment, vision, etc.
Home Credit Bank loans to individuals are issued without collateral and security. To apply for a loan, the client will need a passport and another document to choose from: SNILS, driver's license, pensioner's certificate or international passport.
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Individuals can get a loan from the HCF bank at the age of 22 to 64 inclusive. Also, a potential client must have a good credit history, work with experience of 3 months, permanent registration in the region where the bank has offices.
Despite relatively not large sums on loans from Home Credit Bank for individuals, the terms here are rather long. Let's look at them in a table:
As can be seen from the table, permanent borrowers can borrow money for a longer period. This is due to the increased maximum amount for them.
POS loans Home Credit. What is it and where to get it?
A POS loan is a consumer loan to pay for goods and services in a partner chain of stores. This type of loan is often called a commodity loan, when the borrower draws up the selected product on credit right in the store.
The list of partner stores includes more than a hundred items, and for each individual chain the bank has prepared its own tariff plan. So the conditions for Home Credit Bank loans for individuals will depend on the chosen partner store.
Among them are: Sofa Formula, Ascona, Shatura, Svyaznoy, Euroset, Know-How, Technosila, Eldorado, M.Video, Adamas, Golden, NIKA, Aleph, Elena Furs, Snow Queen, etc.
It is important to note that for POS loans that are advertised as installments, interest is calculated in a non-standard way. An “interest-free” installment plan is achieved by the bank and the partner store in the following way: the client selects a product and wants to issue it on credit for 24 months at TP 0-0-24 at a rate of 7.45% per annum. To make the POS credit really seem like an installment plan, the store provides the customer with a discount on the goods in the amount of interest rate bank, i.e. 7.45%. As a result, it turns out that the client receives the goods in interest-free installments.
Loan conditions at Home Credit and interest rates
HCF Bank offers its customers only 2 types of loans:
- Cash loan for new borrowers
- Loan for regular customers
Home Credit Bank loan conditions for individuals vary precisely by the type of loan provided. For example, the amounts and terms for regular borrowers have been increased, while rates have been reduced. Minimum amount loan for existing customers is 10 thousand rubles.
While new clients can expect to receive a loan in the amount of 500 thousand rubles. at a rate of 19.9% per annum. The minimum loan amount for beginners is 30,000 rubles, and the term is 12 months.
Interest rates on Home Credit Bank loans will also depend on the type of client and his verification. Regular borrowers can expect to receive cash at a rate of 17.9% to 24.9% per annum. But new borrowers can take out a loan at an interest rate of 19.9% to 24.9% per year. The better the credit history, the lower the rate will be.
Consider the main conditions for Home Credit Bank loans to individuals in the table:
Min. rate 11.9%
Max. term 60 months
Max. amount 1,000,000 rubles.
Min. rate 9.9%
Max. term 60 months
Max. amount 1,000,000 rubles.
Min. rate 9.9%
Max. term 60 months
Max. amount 1,000,000 rubles.
Requirements for clients
So that you can easily choose a consumer cash loan at Home Credit Bank, we advise you to familiarize yourself with the requirements for customers. A citizen of the Russian Federation from 22 to 70 years old who has a permanent source of income, which he can confirm with certificates, can apply for borrowed funds, the work experience at the last / current place of employment must be at least 3 months. In addition, when issuing a loan, Home Credit checks the history of the borrower - if there were delays in previous loans, a new one will most likely be denied.
In 2019, borrowers who can document their solvency or are ready to use a pledge of valuable property, a surety have more chances to receive a Home Credit loan on favorable terms. The provision of liquid assets and third party guarantees reduce the risk of non-return of money, so the loan approves applications from such clients more willingly, and can also provide a loan on favorable terms - with a lower interest rate.
How to choose the best offer?
The most convenient way to find a loan is Home Credit for individuals using an online search engine (it is located in the upper left part of the site). You can set options in the menu required loan- its amount, payment term, select additional conditions, such as the time for consideration of the application, the use of collateral / guarantee, participation in special programs. Best offers are at the top of the list. Before you take a loan from Home Credit Bank, compare the various options and choose the best one.
Online application
By clicking on the tab of the offer you like on the Vyberu.Ru website, you will be redirected to the official website credit institution. On the right side of the card there will be a button "Apply". By clicking it, you will find yourself on the page of the bank itself, where you will need to fill out an online form, indicating your personal, including passport, as well as contact details. Next, you will need to agree to the processing of information and send a request for consideration. This is only the first step to take a loan from Home Credit Bank - an online application does not mean the conclusion of an agreement, so if you change your mind, you can always refuse. Information about the decision taken will be sent to you via SMS to the phone number that you indicate in the questionnaire. You can apply for a Home Credit loan in case of approval of the application at any branch of the bank. You can ask the manager of the organization all your questions regarding the terms of repayment of the loan, including where and when you would like to receive money. Borrowed funds can be issued in cash at the office or transferred to a bank card. In any case, you will have to visit the bank's office to sign the agreement, even if you have chosen to credit funds to an existing account.
Loan repayment methods
To repay the loan, you can use electronic payment systems, ATMs, non-cash remittance, deposit cash at the cash desks of Home Credit Bank, as well as at the branches of the Federal State Unitary Enterprise Russian Post, payment terminals. One of the auto payment options can be a transfer through the accounting department at the place of work.
Early repayment
If you plan to repay a consumer loan at Home Credit Bank ahead of schedule, it will be profitable to do this during the period of payment of the premium amount. In this case, if you repay the loan prematurely, the interest rate can be recalculated - and you will save certain cash. There is no penalty for early repayment of a consumer loan.
Calculate until what period the interest rate is repaid, and when the payment of the “body” of the loan begins (early closing in this case no longer provides any benefit), a convenient credit calculator Vyberu.ru. To use it, click on the loan card "Detailed calculation". A payment schedule will open, taking into account the amount and maturity of the loan. Monthly payments will be presented in it in certain shares - in ruble and percentage terms. The diagram shows the consumer loan Home Credit "in the context": you can see how much goes to pay off the interest rate and represents an overpayment on the loan.
Consumer loans are optimal solution to finance individuals. The need for money often appears, and it is not always possible to get it on loan from friends and relatives. Home Credit Bank offers consumer credit. According to the reviews, it can be seen that for people there are optimal conditions for obtaining money in debt. You just need to familiarize yourself with the requirements and features of the transaction.
Consumer loans allow you to meet the daily needs of people. They are issued for goods and cash, and also transferred to bank cards. They are issued in many banks of the country.
About bank
actively develop in Russian market the bank has been since 2004, when branches were opened in many regions of the country. In each branch there is an opportunity to issue loans and loans. Moving on from the principles of MFIs, the institution entered the usual banking structure which expanded the scope of its activities. Since 2007, the bank, which has a license, began to attract free finance from the population, making deposits. This is how auto and mortgage lending began to develop.
During the crisis, which peaked in 2009, the programs of many banks were closed, but Home Credit still issued loans to ordinary citizens. This has been a huge success for the institution. After the crisis, this banking holding became one of the largest. Now its clients are legal entities and individuals.
Working with individuals
Home Credit specializes in lending to individuals. At the same time, there are several directions, so customers can choose any desired program:
- Fast receipt of funds. For example, you need money for everyday needs, but there are no personal funds. Then lending "quick money" will help eliminate this problem.
- Apply for a loan for education, treatment, maintenance Agriculture, housing purchases. The debt will be repaid over several years.
Loans for current needs are of 2 types:
- Under goods. A contract is drawn up, which specifies monthly payments. Such loans are processed in Eldorado.
- Cash secured by property.
Lending terms
To get a loan, you need to apply to the Home Credit Bank. A consumer loan, the terms of which are acceptable to people, is issued very quickly. You can apply online or by phone. The application must indicate:
- FULL NAME.
- Date of birth.
- Phone.
- Email.
It is necessary to tick the item on the client's consent to processing personal information, as well as obtaining information from the BCI. The decision to issue a loan is made by Home Credit Bank. The Consumer Loan Calculator will help the client calculate the approximate amounts of payments, but exact data can only be provided after the application has been processed.
Has Home Credit bank loan calculator. A consumer loan should be issued after its calculation. It is important for the client to know about the conditions, rates, monthly payments.
The documents
To apply for a loan, you must provide a passport. Men under 27 years of age will need a certificate from the military registration and enlistment office or a military ID. Additional documents may be required:
- To the car.
- International passport.
- Pensioner's ID.
- Insurance policy.
To apply for a loan, the client must provide a document on solvency. It could be:
- a copy of an account statement showing income and expenses for the last 3 months;
- original TCP;
- passport confirming the trip for Last year;
- medical policy;
- CASCO insurance policy.
Offers from the bank
Home Credit Bank offers several programs. A consumer loan can be issued for any of them:
- "Big money". Up to 500 thousand rubles are issued at 19.9%. The application is considered up to 5 days. Loan term - up to 60 months.
- "Pension". Up to 150 thousand rubles are provided at 19.9%. The contract is drawn up up to 48 months.
- Refinancing. There is an opportunity to receive up to 500 thousand rubles at 19.9%. The maximum term is 60 months.
Can be individual offers which provides regular customers Home Credit Bank. Credits for consumer needs provided in rubles. Their conditions are detailed in the contract.
Requirements
Requirements may vary depending on the program. But usually clients need to have Russian citizenship, registration, and a permanent source of income. Loans are issued to citizens aged 18-68 years.
Preference is given to clients with a positive credit history, as well as those persons who apply to the bank repeatedly. In each program, the requirements may differ, so they should be found on the website or at the bank office.
Bid
To obtain accurate information on the transaction, you should contact Home Credit Bank. A consumer loan, the interest rate of which may be different for each client, is usually issued from 19.9%. For each borrower, the rate will be individual. To find out, you should contact the Home Credit Bank. A consumer loan, the interest on which is prescribed in the contract, is issued quickly.
How long is an application considered?
You can get a loan in a short time. To apply, it is not necessary to contact Home Credit Bank. A consumer loan is issued by submitting an application online. It is considered up to 5 days, but usually within a short time. If the decision is positive, then you can visit the bank to sign the contract.
Loans for goods
Consumers can apply for a loan for household appliances if they turn to large stores. They are also provided for mobile devices, vouchers, furniture. The bank's cooperation with many organizations helped it expand the range of goods that can be issued on a loan.
The registration process takes about 0.5 hours. The client is offered a period of 3 to 60 months, and the loan amount can be in the range of 1.5 - 850 thousand rubles. To apply for a loan, the borrower must have a stable income and work experience of at least 6 months.
Repayment of a debt
You can return funds in different ways to the Home Credit Bank. A consumer loan is usually paid with:
- bank teller;
- terminals;
- mail of Russia;
- electronic systems "Contact", "Rapida", "Eleksnet";
- accounting from work;
- bank card.
Many methods allow you to deposit funds without commission or with minimal fees. To pay off the loan ahead of schedule, you need to contact the Home Credit Bank. Consumer credit will be closed after the application. You need to know the balance to be paid. This can be done both at the bank and by phone. At early repayment the client will be able to save on interest, as the amount will be recalculated without taking them into account.
Online redemption
Likeness personal account others banking organizations counts credit cabinet. It will help you pay your debts without leaving your home. The service will be connected automatically upon signing the contract and indicating the phone number.
Passwords are not required to access your personal account. You can visit it after receiving the money. The service will be convenient for people who live far from self-service machines. It contains all the necessary information for the transaction.
If you plan to travel abroad, it is advisable to make several payments to the account in advance. In the period specified in the contract, the funds will be debited. But in case of early repayment, you need to contact the bank.
Each client has a single account. If there is an overpayment on one loan, then the remaining funds are transferred to pay for another. Many clients apply to the bank repeatedly. A client with a positive credit history will be more likely to have an application approved, as well as if more than 6 months have passed since the last loan was issued.
Bank advantages
Home Credit Bank has the following advantages:
- fast clearance;
- flat rate;
- no collateral or guarantors required;
- funds are issued without commissions;
- the client has the opportunity to choose the repayment date;
- several payment methods;
- insurance connection.
You can find a large number of positive reviews about the bank. Many customers trust this institution, making out in it profitable loans. Borrowers are satisfied with the absence of commissions, as well as acceptable rates. It is enough to pay the debt on time, and then the bank will offer favorable conditions for cooperation.
Advantages and disadvantages of consumer credit
Before applying for a loan, you should evaluate the pros and cons of such a transaction. Due to the following advantages, consumer loans are chosen by many people:
- Stability. Clients can be confident in the institution, as it has been operating for many years.
- Available rates. They are determined by the type, term of lending, and also depend on the security.
- Early payment service. There are no fees or penalties for early deposits.
- There are no hidden fees.
- Terms of cooperation are simple.
- The loan calculator allows you to calculate the rate, monthly payment based on your income.
- Ongoing assistance to customers by telephone help desk.
But consumer lending also has its downsides. Not everyone is given large amounts, as everything depends on income. Consumer credit is in a simple way purchase of a necessary thing or service. But it costs a lot of money to do so. Therefore, you need to think carefully before signing a contract.
Home Credit Bank has chosen as the main activity customer credit. In this regard, such lending programs have been developed that satisfy the needs of most borrowers.
Home Credit Bank was founded in 1990 in Zelenograd and was named Technopolis. Subsequently, the bank was bought out by the Czech company Home credit finance A.S., and consumer lending became its main activity.
Getting a consumer loan at Home Credit Bank is not difficult, but this does not affect the degree of its profitability for the consumer.
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Requirements for the borrower
To become a consumer of credit products from Home Credit Bank, the client must meet the following conditions:
- citizenship of the Russian Federation;
- age from 23 before 69 years;
- registration and permanent residence in the region where the loan is issued;
- sufficient regular income.
Programs
Home Credit Bank offers borrowers several offers from the line consumer loans. All of them have their own characteristics, only the interest rate remains the same - 19.9% per annum.
big money
A consumer loan "Big Money" from Home Credit Bank is a great opportunity to get a good amount borrowed money for up to five years.
Basic conditions for this product:
- loan amount - up to 500 thousand rubles;
- loan term - up to 5 years.
The passport of the Russian Federation acts as the main document that will be required when applying for a loan, an additional driver's license, a certificate of Pension insurance, a foreign passport can be additional.
Home Credit Bank employees without fail will require documentary evidence of the solvency of the borrower.
Please select one document from the list:
- salary account statement for 3 months;
- the passport vehicle, whose age does not exceed five and seven years for a car of domestic and foreign production, respectively;
- VHI policy;
- CASCO policy;
- international passport with an exit stamp for the last year;
- proof of ownership of the property.
All males under the age of 27 years, must provide a military ID.
Only clients under the age of 65 can receive a loan under this program.
pension
Unlike other offers of Home Credit Bank, each borrower can become a user of the Pension loan until he reaches 70 years.
In order to use this service of a credit institution, it is enough to provide a passport and a pension certificate.
Other features of this loan are:
- period - up to 4 years;
- the amount of funds provided for use - up to 150 thousand rubles.
Despite the limitation on the amount of borrowed funds, such a loan is widely popular due to the simplified registration scheme.
Refinancing
You can refinance here any loan taken in another financial institution, up to 500 thousand rubles for a period up to 5 years.
Refinancing can be used to save money, as Home Credit Bank lends out loans at more low rates than the market average.
In addition, the loan term can be extended, which will reduce the borrower's monthly loan burden.
For the purchase of goods
A consumer loan for the purchase of goods from Home Credit Bank provides an opportunity to purchase a wide range of goods - from household appliances and mobile devices to vouchers available for purchase at travel agencies.
Cooperation with many companies allowed the bank to form the widest range of products that can be bought on credit.
The whole procedure for obtaining such a loan takes about half an hour, the main features of the offer are as follows:
- repayment period - from 3 before 60 months;
- possible amount - from 1,5 before 850 thousand rubles;
To get a loan for the purchase of goods, the borrower must have a stable income and work experience at the current place of work - from six months.
comparison table
How to take
Anyone can become a Home Credit Bank borrower. To get a consumer loan in cash, you need to visit the office of the organization and submit an application. The application must be supported by the appropriate package of documents.
The next step is to wait for the bank's decision. If it turns out to be positive, it remains only to receive cash in cash at the box office.
Getting a loan to buy goods is also quite simple. To do this, you should choose any product from the range of companies cooperating with Home Credit Bank, and contact a loan officer on the spot.
Such an application will be considered within 30 minutes, and the goods can be picked up after signing the loan agreement.
Repayment methods
Like most lenders, Home Credit Bank strives to ensure that most modern loan payment methods are available to its borrowers.
Advantages and disadvantages
Despite the high level of popularity, the line of consumer loans from Home Credit Bank is characterized by both positive and negative points.
Among the undeniable advantages are:
- ease of design;
- single rate of interest consumer loans in Home Credit - 19,9%;
- acceptable age limits;
- a wide range of goods that can be purchased on credit;
- a large selection of repayment methods, including commission-free;
- long term;
- a large amount (compared to other offers in the field of consumer lending).
I'll start right away by saying that I am very sorry that the moderation will not miss what this bank really deserves. And he deserves it, and even more.
I am not a supporter of taking out loans and living in debt, I took an installment plan for Ascon's goods, because there was a grace period, and small interest was received. as a result, the brought sofa turned out to be terribly toxic. The consequences for the health of the family are catastrophic, a year has passed, but our life is still hell, children constantly relapse, life as it was never happened. but this is not about the bank, but now, as for the bank. It so happened that the bank had not yet transferred the money at the time when Ascona brought her rubbish to my house. I emphasize that I did NOT transfer, and I immediately called and asked not to transfer money, so that I could pay for the second product directly with Askona. I was told “yes, of course” on the phone, but in fact the money was transferred, completely ignoring my request. my life was subordinated for many months in a row by the fact that I treated children for days with one or another composition, so I called the bank and wrote without walking with my feet. Ascona transferred the money for the sofa to the bank. The bank, to which I have no censorship words, decided that it would write off monthly payments from there, instead of writing off the amount right away, because they wanted to earn interest, although I called them, I repeat, I wrote (correspondence to which they did not answer , I have naturally saved), they pretended that I did not exist. In June, I was completely exhausted from the struggle with the terrible skin of children, took them in an armful and left for the mountains. Then the bank ran out of money from ascona, and they decided to get all possible interest from me in full. I returned, paid the principal amount for ONE product that I actually used, the interest for it based on the grace period (yes, I missed it for two weeks, but only for the reason that I could not get an answer out of the bank, although I wrote to them and called several times). but no, these surprisingly greedy people need me to pay for the sofa, which I not only didn’t use, but suffered losses of more than one hundred thousand rubles because of it (no, I didn’t make a mistake with zeros, I have three children , so many doctors have been passed that no way, medicines are bought by echelons too, all tickets and performances are missed, tutors, in order to at least somehow learn something, given that we don’t dream about school now), so also the money for this sofa have been moved straightaway Askona back, but were not written off! now they call me ten times a day and want money. Now they also answer letters, but before that they ignored them, and pretended that they were not being written to. So the second part of the Marlezon ballet lies in the fact that they ALSO decided to write off the money I deposited once in July on a monthly basis (on what interesting basis?.) And continue to accrue interest for the entire period. Unfortunately, this is all with impunity, but let at least someone refuse them, looking at what these nonhumans are doing. It might have been easier to pay them to choke, but it's still a gross injustice. A more law-abiding person is hard to find. I have three children, the whitest, not the smallest salary, with which everything is paid on time where it is necessary and not necessary - a gift, not a citizen. yes, of course, a mortgage to the delight of the state and the bank. But it is impossible that there should be no control over this vile thing at all. I look at my life in the last year as some kind of bad black movie, where some villains stole my and my children's lives, while others also try to get rich on it. so let them at least know about their meanness