Apply online for a loan from Home Credit Bank. How to get a cash loan from Home Credit Bank Get a loan from home credit bank
Home Credit Bank first appeared on the Russian banking market in 2002. Since that time, the management of the credit institution has been paying special attention to the convenience of customers, offering more improved ways to use services and banking products.
One of them is applying for a cash loan online. Let's figure out what needs to be done to submit an application online, and what advantages the possibility of applying for a loan via the Internet offers.
Here you can get information about current loan offers, promotions and preferential lending conditions. Please note that there are currently two programs in force from 2017 that allow you to get a cash loan - for new and old clients.
General terms and Conditions:
Note! Both loans are non-targeted, so it is possible to issue them online without notifying Home Credit Bank about the planned expenses.
To submit a virtual application for consideration, you must from the official page of Home Credit Bank
https://www.homecredit.ru/) go to the “Online application” section, and then to the “Cash loan application” subsection.
Step #2 – fill out the application
All entered data is reliably protected by the system, so the possibility of third parties gaining access to it is completely excluded.
Information to be specified:
- Date of Birth,
- Mobile phone number,
- series and number of the Russian passport,
- average monthly income,
- email address (if available).
Data entry is completed by entering the verification code from the message sent to the specified phone number. If you have previously applied for a loan from Home Credit Bank, you can submit an online application through Internet banking.
In order for the entered information to be sent for review, you must consent to the processing of personal information and sending a request to the Credit History Bureau (check the appropriate box).
Without your permission, Home Credit Bank does not have the right to dispose of personal data in order to verify its authenticity (reliability), as well as assess the borrower’s payment ability. Until you consent to processing, you will not be able to submit your online application.
Have you completed filling out the virtual application form? Click the button "Design".
Step No. 3 – making a decision
Usually the decision is made by Home Credit Bank in continuation 1 hour. The total period established for both loan programs is 120 minutes. During this time, the loan officer must ensure that the borrower meets the bank's requirements, as well as his solvency to take out a loan.
Basic requirements for the borrower:
- Russian citizenship. Cash loans are issued only to citizens of the Russian Federation. If an online application is submitted by a foreigner or stateless person, the loan will be refused;
- Availability of permanent registration. In the region where the Home Credit Bank branch or office is located;
- Age. From 22 to 70 years. Home Credit Bank's line does not offer programs for students or retirees;
- Official employment. Work experience with the last employer must be at least 3 months;
- Good credit history (CI). An online loan application will be approved in the absence of delays, other unpaid loans and court proceedings.
The borrower's solvency is assessed by average monthly income. Typically, banks expect 40% of earnings to go toward paying off a consumer loan. However, Home Credit Bank is one of the loyal lenders, so it determines this percentage individually.
Step No. 4 – collecting documents
If your online application has been approved, a call center consultant will contact you within 120 minutes or send a message to the specified phone number. The manager who contacts you will clarify the correctness of the entered data and ask a few more questions regarding solvency.
Next stage– preparation of documents. Home Credit Bank has minimum requirements; it is enough to have a Russian passport with you. The second (additional) document is provided at the borrower’s discretion and increases the level of confidence in him on the part of Home Credit Bank.
The following documents may be submitted as a second document:
- foreign passport,
- driver's license,
- military ID,
- SNILS, etc.
If a person who has reached retirement age and has not continued working is applying for a cash loan, then as a second document he must provide a pension certificate or a certificate from the Pension Fund (PFR) confirming the accrual of a pension.
A detailed list of documents that can be provided in addition to the Russian passport in order to increase your chances of final approval of a cash loan is presented on the official website of Home Credit Bank.
Step No. 5 – signing a loan agreement
You must contact any branch of Home Credit Bank. Today they are located in all regions of the country and most populated areas. Here the borrower must indicate that he has previously submitted an online application and it was approved.
Next, the documents are transferred to the manager. He checks their authenticity and sufficiency, after which he makes the final decision. At this stage, the individual may be asked several clarifying questions regarding:
- having an additional source of income,
- desired cash loan amount,
- the planned period of its payment, etc.
Then a loan agreement is drawn up, signed by the borrower and an authorized person representing the interests of Home Credit Bank. We recommend that you carefully study the terms of the agreement so as not to find yourself in a difficult situation in the future.
Home Credit Bank's policy is aimed at making banking products more accessible to the population. All loan terms are stated in simple and understandable (“colloquial”) language, so professional legal advice is not required.
Receiving the money
By applying for a trade loan online, you can count on receiving funds on the day you apply. The bank promptly transfers money to the account (or a Home Credit Bank card if the borrower has one).
Note! You can track the receipt of money into your account in Internet banking. Authorization here occurs automatically. When signing the agreement, you are provided with a login and temporary password.
You can withdraw money immediately - in whole or in part. There are no restrictions. Main- this is to repay the debt with accrued interest on time and without delay.
Removal methods:
- through “native” ATMs,
- at the cash desks of credit institutions Home Credit Bank,
- transfer to a Home Credit card or a third-party bank, etc.
If you use Home Credit Bank services, there is no additional fee for withdrawing funds.
Advantages of online registration
By submitting an online loan application, you are choosing convenience, speed and accessibility. You can get a cash loan from Home Credit Bank via the Internet around the clock and regardless of your location.
Online applications are reviewed within 120 minutes after they are submitted, and a decision is communicated to you immediately after it is made. There is no fee for submitting online loan applications, and you are not limited in the number of applications you can submit.
HomeCreditBank – take a cash loan online right now and make your long-time dream come true!
Online Loan from Home Credit Bank: 5 steps to receiving
Home Credit Bank is the largest financial institution operating in Russia and offering a wide range of banking products: various debit and credit cards, deposit accounts and loans to cover the various needs of the population. Among other things, Home Credit Bank offers cash loans.
How can you get a cash loan from Home Credit Bank: 2 ways
- Personally visit a financial institution and talk with its managers about conditions and requirements.
- Complete the application online by filling out a special form on the official Home Credit Bank website.
The first option is preferable for borrowers who, after studying the terms of the loan product on the website, still have questions or doubts. Communication with a specialist will help you sort out all the unclear points and make a final decision.
Important: up-to-date information on the location of all Home Credit Bank branches and their work schedules can be found on the official platform of the institution.
The online method is more convenient as it does not require much time from you.
Applying for an online loan at Home Bank Credit
The algorithm of actions when applying online will be as follows:
- Fill out the form. Enter only reliable information. Please pay close attention to your contact information. They are needed so that employees of the financial institution can contact you as soon as possible.
- You communicate with a specialist who will soon contact you at the phone number specified in the application form. You will be informed of the solution.
- If the answer is yes, once again study all the pros and cons of the selected loan product and clarify the details.
- Collect all the necessary documents and go to the Home Credit Bank office.
- You sign a contract and start using the borrowed money.
Getting a loan from Home Credit Bank is quick. Please note that the percentage of approved applications is relatively low.
Basic conditions
Lending from Home Credit Bank when taking out a cash loan is carried out on the following conditions:
- credit limit – 999,000.00 rubles;
- minimum loan amount – 10,000.00 rubles;
- minimum term – 1 year, maximum – 7 years;
- currency – Russian ruble;
- insurance is issued at the request of the client.
All of the above conditions are relevant for citizens who, at the time of submitting the application, are already clients of Home Credit Bank. If this is your first time contacting a financial institution, there will be several differences in terms and conditions:
- minimum loan amount - 30,000.00 rubles;
- maximum loan amount - 500,000.00 rubles;
- The maximum loan term is 5 years.
As you can see, the conditions for newcomers and those who have managed to prove themselves are slightly different.
Advantages
The described loan product has a number of advantages that set it apart from similar offers from other banks. This:
- speed of decision making;
- low requirements for borrowers;
- reasonable interest rates;
- loyal attitude towards clients;
- high degree of trust in borrowers;
- possibility of refinancing and early repayment.
Any loan is a burden. Home Credit Bank does everything to make it easy for its clients and bring benefits to both parties.
Loan rates in rubles
As noted above, the loan is issued in national currency. Home Credit Bank offers it on favorable terms, with an interest rate starting from 14.9%.
Loan interest rates for bank clients
Among the advantages is a loyal attitude towards regular customers, the interest rate for them is only 12.5%. It is 2% lower than for citizens who first applied to a financial institution.
Get a loan from Home Bank without collateral or guarantors
A review of conditions and advantages will be incomplete without mentioning two more important preferences of the bank for everyone who decides to take a cash loan from it. This:
- no collateral is required;
- no guarantor is needed;
This is a very bold and attractive offer from Home Credit Bank, which opens access to credit products to citizens who are not inclined to bother themselves with looking for guarantors and pledging family valuables.
Calculation of the payment schedule for the “Cash” loan
On the Home Credit Bank website, anyone can independently calculate a debt repayment scheme. To do this, on the page dedicated to the cash loan, click on the “loan calculator”. Next you configure:
- loan term (number of months);
- desired amount (in rubles);
- monthly payment.
As a result, the amount of overpayment for the entire period will be shown at the bottom of the screen.
When concluding a contract, managers of the financial institution draw up a repayment schedule that takes into account the wishes of the borrower. Among other things, he can choose payment dates convenient for himself.
Early repayment
Home Credit Bank allows early loan repayment. If you come to this decision, follow the following algorithm:
- go to the financial institution or contact its employees by phone in order to find out how much you need to return;
- notify the bank of the decision;
- transfer the money, taking into account that it will take a certain time to close the loan.
Approximately the same scheme should be followed if you intend to repay only part of the debt.
Documentation
Any type of bank loan is provided upon presentation of a package of documents requested by the financial institution. In this case you will need:
- passport;
- additional document, one from the list:
- Pensioner's ID.
- SNILS.
- Driver's license.
- military ID for males;
- a certificate of monthly income received is usually provided from the place of employment.
Insurance
Unlike most cases of lending, when taking out the described loan, the client chooses whether to insure or not to insure. No one obliges him to spend additional money on insurance.
Requirements for the borrower
Make sure you meet the bank's criteria before applying. This:
- minimum age 22 years;
- maximum age – 64 years;
- regular profit generation;
- Russian citizenship;
- availability of permanent telephone connection.
If you meet the above requirements, you are likely to receive a quick cash loan.
Timeframe for making a decision
What makes Home Credit Bank stand out from its competitors is its quick processing of applications. When issuing small and medium amounts, it takes about 90 minutes to make a decision. When it comes to large loans, applications are processed from 2 to 3 days.
Methods of payment and receipt of funds
Since we are talking about an annuity loan, parts of the debt will need to be repaid every 30 days in equal amounts according to the schedule. There are several ways to deposit funds.
HKFB offers convenient and profitable loan programs to individuals.
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 period is 12 – 84 months with a similar interest rate. Proof of income is not required.
HCFB does not exercise control over the intended use of issued funds. Loans are provided only in Russian rubles. The application review time is minimal and usually does not exceed two hours.
For “purchase of goods” Home Credit
Today, HKFB offers its clients the opportunity for 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;
- loan with overpayment.
The terms and amount of the loan depend on the chosen bank partner, 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 overpayment depends on the chosen lending scheme, for example, on a preferential basis, with early repayment within 6 months, the overpayment will be 0%. Interest rates for “purchase of goods” at the bank vary from 7.28% to 34.9% per annum.
Detailed loan terms can be found
Before applying, go to the bank’s official website and calculate the approximate overpayment using a loan calculator. Just move the slider through the loan parameters and you will find out the payment amount, term and overpayment.
But it’s worth considering that the default loan calculator uses minimum rates, which are rarely used in practice.
Requirements for clients
When applying for a cash loan, the client must meet the following parameters:
- age from 22 to 64 years inclusive;
- citizenship of the Russian Federation;
- permanent registration in the region where the application is submitted;
- stable income;
- positive credit history.
For obtaining a trade loan, the age limits have been expanded: from 18 to 75 years inclusive. The remaining requirements are similar.
Package of documents
A loan for consumer needs at KCFB can be obtained 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 driver's license.
Loans on special offer
To receive a special offer from HKFB and take out a loan on favorable terms, you need to have an impeccable credit history with the bank or apply for a cash loan at 17.9% on the bank’s website. After making several payments on time, the credit institution will begin sending SMS and letters with increasingly favorable lending conditions.
It’s convenient to keep track of special offers on the bank’s official website or in your personal account.
Methods for applying for a loan
You can get a loan using only a passport, without providing income certificates to the HCFB: by visiting a bank 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 the money to your account on the same day.
Through the Internet
It is convenient to get a loan online. You must fill it out on the bank’s official website and receive a prompt decision.
In the form you must indicate:
![](https://i2.wp.com/creditkin.guru/wp-content/uploads/2017/11/pro.jpg)
Wait for a phone call from a manager who will tell you in detail about the terms of the loan and the rules for repaying the debt. In order to sign the agreement, you will have to visit the bank office.
By phone
Applying by phone is convenient for those who do not have access to the Internet or have difficulty filling out 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. Next, follow the operator’s instructions.
How to pay and arrange early repayment?
Free depositing funds towards the loan payment:
![](https://i0.wp.com/creditkin.guru/wp-content/uploads/2017/11/mokap_kreditkinbrthrthwrh.jpg)
- branches of other banks (no more than 5 working days);
- branches of the Federal State Unitary Enterprise "Russian Post" (no more than 7 working days);
- in the offices of cellular communications representatives, for example, Svyaznoy, MTS, etc.;
- at the service points “Zolotaya Korona”, “Eleksnet”, “CONTACT”.
In addition to the above methods, the client can contact the accounting department at his place of work to fill out an application to transfer 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:
- check the amount of debt on the payment day at the bank’s call center;
- write a statement of intention to pay off the entire debt early;
- pay the debt in a way convenient for you.
Debt restructuring
If life difficulties arise and it is impossible to repay a consumer loan on schedule, contact the bank without waiting for the debt to form. The bank, as a rule, cooperates and arranges debt restructuring in one of the following ways:
- If the delay is small (1-2 payments) or has not yet occurred, the bank will enter into an additional agreement with the client to extend the loan term.
- If the delay is long, the bank will not change the terms of the loan agreement, but will only suspend the accrual of fines for six months, and the client, in turn, must regularly contribute the amounts feasible to him to repay the loan.
Restructuring may be denied if:
- the client has already used such a service before;
- the loan has already been transferred to collectors or to the court.
Debt restructuring is a new loan with more favorable terms. Using the newly received funds, the client will be able to fully repay the debt to other banks.
Visit to the institution's office
To receive money from Home Bank you will need to visit the organization’s office. You need to take all the necessary documents with you. Please indicate your desire to take out a cash loan and you will be directed to the appropriate employee.
It is necessary to discuss the details of the loan with the manager involved in lending to citizens and draw up an agreement. It contains information about the borrower, terms and conditions for issuing cash. After studying, sign the papers, and at the specified time you can withdraw the cash.
This method is recommended for those who still have questions after reading the information on the site. After visiting the department, you can leisurely consult with a specialist. They will be offered to sign the papers when the potential borrower receives answers and asks to proceed to the next stage: agreement and cash disbursement.
Compiling an online application
Applying for a loan online is a more convenient option. The application is submitted remotely via the website. This can be done around the clock. After processing the questionnaire by a specialist, a decision is made and cash is given to the borrower.
To apply you will need:
- Internet connection;
- phone, tablet, laptop or computer (to visit the official website of the organization);
- Required documents;
- 15 minutes of free time.
Once you have prepared everything you need to complete the online application form, follow these steps:
- Go to the bank's website and fill out the form. It contains information about the future borrower. Please be careful when filling out your data.
- Answer an employee's call. After receiving the application, the employee will call the number specified in the application form to confirm the information and ask several clarifying questions.
- If the decision is positive, you will be asked to collect the papers and come to the office.
- You will finally negotiate all the terms of the loan, sign the agreement, and receive cash.
The second option has one advantage: it is not necessary to have all the documents with you on the site when filling out the application form. A photocopy or good quality photograph is sufficient. You will not need these papers before visiting the office.
Two important points when filling out the online application form:
- You must fill out your information correctly. The information must be reliable. If there are errors, even grammatical ones, the application may not be considered. Then you will have to re-enter the information; re-processing the request will take many times longer. If an error is made in the phone number, the manager will not call you and the profile will be deleted.
- You need to answer the manager's call. They often call within the first 15 minutes, maximum after an hour and a half. Answer all the manager's questions confidently and confirm both your identity and your intentions to take cash.
Home Credit's loan approval rate is high compared to other banking organizations.
Conditions
Home Bank periodically changes its lending programs. In 2019, receiving a cash loan is subject to the following conditions:
- limit – 999,000 rubles;
- the smallest amount is 10,000;
- maximum term – 7 years, minimum – 1 year;
- the only currency is the ruble;
- At your request, we can arrange insurance.
The listed conditions apply to adult citizens who repeatedly apply for money.
When applying for the first time, the conditions are slightly different:
- maximum loan amount – 500,000 rubles;
- the smallest amount is 30,000 rubles;
- loan term – up to 5 years.
The differences are due to the fact that when an organization is confident in the solvency of its customers, it encourages them to return.
Interest rate
Repeat customer rate
As noted above, Home offers its repeat clients more favorable terms for consumer lending. This applies to both the period for issuing money and the interest rate. Citizens of the Russian Federation who previously received a loan from this organization can take out a loan at only 12.5% per year.
Early repayment of debt
If the borrower follows the algorithm below, the bank offers to repay the money early:
- Find out with the help of a bank employee how much you need to repay;
- notify the bank of your decision;
- transfer money within the specified time.
Documentation
Cash loans from Home Credit are issued to borrowers who have the following documents:
- Russian citizen passport.
- One of three additional documents: SNILS, driver’s license or pensioner’s ID.
- Men should bring their military ID.
- A certificate confirming your monthly income.
It is advisable to take the last document at the place of work in the form 2-NDFL or according to the bank model.
Requirements for clients
Before submitting an online application to Home Credit, make sure you meet the bank’s requirements:
- The borrower's age is at least 22 years;
- highest age - 64 years;
- constant monthly income;
- citizenship of the Russian Federation;
- telephone for communication.
According to a similar scheme, if desired, they offer to return part of the debt.
Review period
pros
A consumer cash loan from Home Credit has a number of advantages over similar offers from other organizations:
- fast issuance of finances;
- low interest rate;
- loyal attitude towards borrowers;
- Early repayment and refinancing are possible.
The bank's offers are among the best on the lending market. Unlike Home Credit, not all financial organizations borrow money without guarantors and collateral. This is a good and bold proposal that proves loyalty to customers.
Bank reputation and customer reviews
The bank was founded in 1997. Over its more than 20-year history, it has maintained a reputation as an honest and loyal bank. Most of the clients, according to reviews, are satisfied with the services and plan to use again.
People note the fast issuance of money and minimal requirements for registration. There are also customers who have left rather cold reviews. They mostly note that conditions were not the best during the first visit.
Based on the balance of opinions, we can draw the following conclusion: if you need to get a large amount, it is recommended to first obtain and repay a “small” loan.
Summary
Cooperation with Home Bank is mutually beneficial. The services have an online service for selecting cash loan offers. It is worth noting the high rate of approval of applications and relatively low interest on debt. For those wishing to receive finance, this banking institution will offer some of the best conditions on the lending market, even when submitting an application online.
Go to the Home Credit Bank website. Read the terms and conditions of the loan and click on the “Loan Application” button:
To submit a loan application, fill out the form. Please provide your full name and email address:
![](https://i1.wp.com/vsezaimyonline.ru/images/online-credit/homecredit2.png)
Enter your date of birth, series and passport number. Please provide your phone number. Click on the "Submit" button:
![](https://i2.wp.com/vsezaimyonline.ru/images/online-credit/homecredit3.png)
A code will be sent to your phone number. Enter it on the website to confirm your loan application.
Requirements for the borrower
- Russian citizenship
- From 22 to 64 years old
- Permanent registration in Russia
- Minimum of 3 months of work experience at last place of employment
- Good credit history
- Source of permanent income
Required documents
- Russian passport
- SNILS (optional)
- Pension certificate (if you have one)
About the bank
Home Credit is a large bank with foreign participation. Registered in 1990 in Zelenograd. Its founders were several large enterprises of the city. In 2002, the bank was bought by the financial group Home Credit Group, which, in turn, is part of the PPF group of Czech businessman Petr Kellner. In 2003, the bank received its current name.
Now almost all 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. It actively issues 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 businesses.
Documentation
You will learn how to log into your personal account on the official website of Home Credit Bank online. Detailed instructions for convenient and quick access to homecredit.ru with screenshots and video instructions. A visual guide to recovering a forgotten password for your bank account. We provide only the most current information.
Answers to popular questions
Is it possible to get a loan from Home Credit Bank without insurance?
The insurance service when applying for a loan is voluntary. Its presence does not affect Home Credit Bank’s decision to issue. A bank employee may offer to take out insurance, but has no right to insist on it.
Is it necessary to confirm income if you 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 information about the employer and the availability of pension contributions using the SNILS number. Home Credit Bank also uses information from employers themselves and information from the BKI.
How can I find out the outstanding balance on a loan?
You can control your loan repayment in the “My Loan” service using the Internet version or mobile application. In the service you can clarify the date and amount of the payment, pay the loan and find out whether the payment has been credited. To access “My Credit” you will need a mobile phone.
Is it possible to change the loan payment date?
Home Credit Bank allows you to change the monthly payment date once during the loan agreement. To change the payment date, submit an application to the office or loan issuance point of your Home Credit Bank partner.
How to repay a Home Credit Bank loan for free?
A 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 or ATMs in your city.
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