Home Credit Bank offers its clients various payment methods. You can pay for a Home loan via the Internet with a bank card, at ATMs of the organization and partner banks, in convenient branches located throughout Russia.

In turn, online payment is also divided into several methods.

1. Mobile application and service “My Credit”.
2. Online transfer on the bank's website.
3. Internet banking from Home Credit.

For those who always pay their loans on time, there is a convenient function - transferring funds from your salary account as payment. This is a convenient way to deposit a specific amount onto your loan balance.

In addition to ATMs, Home Credit clients can make payments through other terminals: QiWi, Eleksnet payment machines, deposits through Zolotaya Korona services and at Russian Post branches.

Let's take a closer look at each type of making loan payments at Home Credit Bank separately.

You can pay for Home Loan online in many ways. Clients are offered transfers through the following payment systems: Visa, MasterCard, Maestro, MIR. The bank also cooperates with online wallets and virtual payment systems, for example, Yandex.Money, Qiwi, Sberbank Online.

When paying through digital structures, the borrower receives many advantages. It is much faster and more convenient than visiting branches or using an ATM every time. Communication with the payment service can be maintained in any place where there is access to the Internet - you are in no way dependent on the location. Also, for all transactions through official payment methods, no commission is charged - 0%. Please note that when transferring from the services of other banks, interest may be charged.

Online loan payment is an indispensable thing for a modern person. You will not waste your time searching and going to ATMs and branches, but will simply carry out all financial transactions in two clicks.

Service "My Credit"

This is an official bank service created to help clients pay for loan products. The “My Credit” application is available for download. The program works and is compatible with most modern mobile operating systems: iOS, Android.

Thanks to your personal account in the system, you will be able to transfer money from other bank cards and make payments on the day the payment is made. The service charges 0% commission for paying a loan or replenishing a credit card.

In order to access the service, you only need to download the application and enter the login and password received when contacting the financial institution. If you have not activated the service, then enter your phone number and date of birth. Later you will receive detailed instructions on how to connect to “My Credit”, or a bank specialist will contact you to provide a login and create a password.

Bank website

To pay for a Home Credit loan on the bank’s website, you need to know the following information.

1. Agreement number or account number for a cash loan.
2. Credit Card Number.

Next, the site will offer to choose a convenient payment system for depositing funds. There is also no commission for replenishing your account. Please note that to pay by credit card you will need to register for online banking. If you are already a client and have a loan product, there will be no problems - just follow the instructions on the portal.

Internet bank

The Internet banking system from Home Credit only involves paying a loan bill using a bank card. In order to use this service, you need to apply for a product from Home Credit.

Transfers between your own bank cards and your Home Credit account are absolutely free. To register on the portal you need to obtain a login and password.

They are also provided online; to do this, enter your personal data on the page reg.homecredit.ru:

• details of the contract;
• card number;
• series and number of the passport in which the loan product is registered.

Internet banking uses a two-factor authentication system - after each operation you need to enter the access code sent to your smartphone. This will protect your funds and help avoid fraud.

You can pay Home Credit and other bills using Qiwi wallet machines. To do this, enter the agreement number and the loan access code in one of the terminals and deposit the amount of money. But it’s easier and more convenient to use online funds transfer.

Register a Qiwi wallet and find the Home Credit bank in the “Payment for services” column. Enter your details: Last name, First name, account number and loan agreement number. Once confirmed, the funds will be credited to your loan account.

Yandex money

Online payment through Yandex.money is similar to a similar operation through Qiwi wallet. Register a personal account in Yandex and find Home Credit Bank in the section for payment of services.

Yandex has an affiliate program with the bank, so no commission is charged for paying for the loan agreement.

From a Sberbank card

When transferring funds to an account in another bank, Sberbank may charge a commission. Usually it ranges from 1% for amounts over 100 rubles.

To make transfers easier, connect the Sberbank Online service to your phone. Thanks to the application, you can quickly transfer funds to an account in another bank with a minimum commission.

Paying for a Home Credit Bank loan in other ways

There are other ways to transfer money to a borrowed account. You can choose more traditional payment methods: through cash registers, ATMs with the Cash-in function, at terminals of various companies and other banks.

In most cases, for successful enrollment you only need to know the loan agreement number or simply have it on hand. We will describe in more detail the alternative to online payment for credit products.

To pay, you can contact the Home Credit branch with an agreement. The company has an extensive network of offices for clients throughout Russia. The cash desk does not charge a commission for transactions on its own accounts, so you can pay the loan and not spend money on commissions.

You can find the nearest HKB branch on the company’s website or mobile application. The company's employees will advise you on all issues and help you pay for the loan.

Through ATMs

The main condition is an ATM with a cash-in function, which allows you to deposit funds. To deposit funds, you need to know the contract number and the access code specified in it.

Home Credit has ATMs in almost every region and major city of the Russian Federation. You can also use ATMs of partner banks to make commission-free payments.

Transfer from salary

One of the most convenient ways. For automatic monthly payments, simply set up a transfer template in Internet Banking or the My Credit application. For precise settings and advice, call the hotline or ask for help from employees at the organization’s office.

In other banks

Sometimes there is no time left to search for a Home Credit branch, but you still need to pay off the loan. You can use the services of a third-party bank and transfer money through their system.

In this case, another bank will set a commission. Check the amount of deductions with employees at the branch or by phone.

Through the Golden Crown

Cash desks of Golden Crown partners are located in more than 10,000 points in all regions of the Russian Federation. You can find terminals from partners such as Euroset, Megafon, Beeline, Kari.

The commission for transfers through Zolotaya Korona will be:

• 50 rubles for transfers up to 5 thousand;
• 1% for transfers over 5 thousand rubles.

To deposit funds you will need:

• HKB account and agreement number;
• phone number;
• Full name of the person who executed the contract.

Payment through the Zolotaya Korona service is a convenient and economical method of transfer when there are no HKB branches or ATMs nearby, but there are service partners.

To transfer funds at Russian Post offices, you need to fill out a digital funds transfer form in advance. Next, contact the post office where the Cyber ​​Money system operates.

Crediting to the account occurs within 10 working days. Not the fastest way, but reliable and helps out when there are no other options.

Via Eleksnet terminals

Eleksnet system machines are located in the most convenient locations throughout Russia: in business centers, shopping malls, and federal institutions.

Transfer funds are credited the very next day. You can find more information about the commission amounts and instructions for working with the terminal on the Elexnet website.

How to understand that enrollment has passed

You can track your account status in several ways.

1. Through the "My Money" application.
2. In the Home Credit Internet bank.
3. Find out the balance at HKB ATMs.

You can also use a proven method - call the bank's hotline and check the status of the deposit with an employee.

Which method is the most profitable in terms of commission?

Of course, it is most profitable to use bank payment systems - the application and Internet banking. This way you will avoid charging a transfer fee. But to make a transfer without charging interest, you need to have a bank debit card or an open account.

Therefore, the best way is to deposit money through KKB ATMs.

Conclusion

Home Credit Bank is a modern financial organization that offers fast and convenient methods for paying a loan account. To repay your loan on time, you can use one of the following methods.

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Being a client of one bank, citizens can sign a loan agreement with another financial organization. The question of how to pay for a Home Bank loan through Sberbank Online is of interest to many borrowers who are clients of Sberbank and use its card products. Let's look at how to generate a payment and carry out a transaction to pay off a debt.

Online banking service is the most convenient way to make various types of payments

Today, in order to pay for a Home Bank loan through Sberbank Online, you must first gain access to the service. This can be done by a client who has even the simplest card or open account at a given banking institution. The first step is to request an ID. There are several ways to do this:

• At the stage of concluding a contract when opening an account (card) with a manager in a branch.
• By calling the Contact Center. By submitting the request to the operator, the client receives a digital login to visit the service.
• Through an ATM. By inserting the card into the card reader, you receive a series of passwords. They have a one-time service life and are used to confirm actions in the Internet bank. Recommended for inactive users who do not want to gain constant access to the service.

The first step to repaying debt through an online service is mandatory registration

How to pay on Home Credit through Sberbank Online?

The step-by-step instructions look quite simple:

1. Find the Translations item in the menu.
2. Select from the list of options (between your products, for a client of another institution, an individual, an organization) the item Payment of a loan from another institution.
3. Click on the column Loans to bank by BIC number.
4. In the payment window that appears, enter the details: BIC, account number for repayment (from the agreement with Home), enter your full name, payment amount, phone number and select the card product from which to make the transaction. There will be a list of all active cards and accounts.
5. In the next window you should select a confirmation option. As a standard, it is proposed to do this via SMS.
6. The code numbers will be sent to the entered number.
7. In the confirmation window, you must enter them and click Confirm.

To correctly carry out the operation to pay monthly payments, you must select the option Repayment of debt in another bank

To pay off your debt, you must first register in the remote service system. This is implemented through the service website. You must enter the received ID and password parameters. The latter is appointed by the client independently. Already in the account, the client sees data on his products: open accounts, card balances, outstanding loan payments, interest on deposits and other information.

Internet banking allows you to carry out banking procedures yourself, such as transfers, payments, requesting a loan product without personally visiting offices. That is, the client remotely regulates his expenses and income and controls the movement of funds, incl. between financial organizations.

Features of making a payment in Home

Video and photo instructions will help you see the payment process in detail. But the procedure is already quite simple and intuitive. After the above steps, a double procedure occurs: funds are written off from the Sberbank card and they are credited to the account of the specified banking institution.

After payment has been made, you can print a check or receipt. Data about all operations is saved in the service and can always be checked or viewed. It must be remembered that transfers to institutions are subject to a commission of 1%.

Setting up regular loan payments

Internet banking has an Autopayment function. It allows you to set up systematic transfers on a specific day. The service operates according to the following principle:

• The day before the payment date, Sberbank reminds you that the payment must be made.
• If you wish, you can cancel the transaction via SMS within 24 hours.
• On the specified date, funds are transferred to Home.
• The client receives an SMS about completion.

A more convenient way is to set up automatic transfers on the required days to Home Bank to pay for the loan through Sberbank Online. To do this, you need to use the Autopayment option. The instructions are as follows:

1. Select the Connect Autopayment section in the online service.
2. From the list (housing and communal services, mobile communications, taxes), select Loans from another bank.
3. From the list of institutions, select Home Credit (information about the BIC and details will be filled in automatically).
4. The next step is to select your card for the transaction.
5. Indicate the account number of the loan agreement and personal account in Home.
6. Enter payment information: date of the next payment, frequency and amount.
7. Confirm.

The Autopayment service will help the user avoid late payments and not end up in the category of unscrupulous borrowers Each payment will be subject to a 1% fee.

These are the two main ways to pay off credit debt to another banking institution. Remote service will allow you to completely free yourself from worries about overdue payments. You just need to choose a card that will have enough funds on the required days (for example, a salary card). The first method is suitable for a one-time transaction or if the client makes payments from different accounts each time.

Everyone knows that the next installment under a loan agreement must be paid on time. Otherwise, Home Credit Bank will impose penalties for late payment. But what to do if life takes you by surprise, you have money, but there is no way to get to the nearest Home Credit branch. In such a situation, it is worth remembering how to pay a loan using all available methods, and first try to pay through a terminal, if, of course, there is one nearby.

First of all, the borrower should pay attention to interest-free payment methods for the loan. To do this, you need to look around or remember if there is a Home Credit terminal nearby. Home Credit Bank has not only a network of ATMs with a cash acceptance function, but also a network of special payment terminals. An ATM differs from a terminal in slightly greater customer service capabilities, but for our purposes this is not important. So, we find the nearest terminal and do the following.

1. We approach him and make sure that he accepts debit cards and cash.
2. Insert the card and log in.
3. Find the Loan Payment section.
4. Enter the contract number and account number.
5. Enter the payment amount.
6. We confirm the operation.

If you pay in cash, you don’t need a card and you don’t need to log in either. You do everything else the same, only at a certain stage you need to insert bills.

Using Home Credit ATMs, payments are made in approximately the same way. If there is cash in, then you can pay in cash, if not, then only by card. If you are connected to Internet banking and have a card with a sufficient amount for payment, then you can complete the necessary operation without leaving your home. All you need is: a computer, Internet access, login and password from your personal account. Having paid the loan once in this way, you can save the payment template and repeat the operation another time with a few clicks of a button, without the exhausting entry of personal data.

We pay with commission

The situation may turn out to be such that neither a bank branch, nor an ATM, nor even a Home Credit terminal will be nearby. If you do not live in Moscow or St. Petersburg, you can easily fall into this situation. You can, of course, stand and curse the “vampires” of their Home Credit, who not only extract money from you, but also do it in a sophisticated way, or you can go and look for any nearest terminal. It's best if you come across a QIWI terminal, but you can use others:

• Yandex money;
• Rapida;
• Gold Crown;
• Elexnet;
• Cyberplat;
• Euroset;
• Comepay and others.

All of the above types of terminals have two things in common: you can pay for a Home Credit loan through them, and they all charge a fee for this operation. For example, in the Qiwi payment terminal, in addition to the transferred amount, you will give another 1.6% of it, but not less than 50 rubles. In the Rapida terminal, the operation will cost 1% of the payment, but not less than 50 rubles, etc. It’s a little expensive, but you can pay in cash anywhere, because similar terminals are available everywhere. How to make a payment in QIWI?

1. We approach the terminal.
2. Select the “Loan repayment” section.
3. We choose HKB.
4. Enter the BIC or HKB branch number.
5. Enter the account number to which contributions are paid.
6. Enter your passport details.
7. Indicate your mobile phone number.
8. Enter the code that will be sent via SMS.
9. Insert the required number of bills.
10. Confirm the transaction and receive a receipt.

Remember! That for such terminals, 1 transaction should be worth no more than 15,000 rubles.

If you do not want to pay in cash and all the money intended for the deposit on your Visa or MasterCard card, then find the nearest ATM of any bank and make a transaction using it. The main thing is that the ATM accepts cards from the specified payment systems, and then everything is simple. In this case, you will also be charged a commission for transferring money to the account specified in the loan agreement, which will reach 3-5% of the payment amount.

You should also know that you will be charged a loan fee at any branch of the Russian Post or at MTS, Beeline or Euroset stores. If there is a branch of any bank nearby, it will also be suitable for our purposes, but in this case the commission will also be high (at least 3%).

So, we have sorted out the question of whether it is possible to perform a loan payment transaction in the terminal. If anything remains unclear to you or you have any additional questions, write to us, we will be happy to answer them. Good luck!

If you have a card from any bank, you can use it to pay off an outstanding loan, including from Home Credit Bank. Let's look at step by step how to pay for a home loan via the Internet with a bank card.

Loan payment option through Sberbank

You can pay for a home loan using a Sberbank card as follows:

• Having entered your Internet banking account from Sberbank, you need to open the menu and select “Transfers” in it;
• Click on “Payment of a loan from another institution”;
• click “Loans by bank identification code number”;
• a window will appear where you need to enter all the details necessary for payment: BIC Home Bank, the account number specified in the agreement with Home, your full name, payment amount, mobile phone number, select the Sberbank card from which the money will be withdrawn;
• A window will open where you need to select a confirmation method (standard – SMS);
• The code received in the SMS message must be entered in the column provided for it and the operation must be confirmed.

For such transfers, Sberbank charges a commission of 1%.

Regular loan payment function

Internet banking offers to set up automatic loan payments. Payment of a Home loan through a card is thus carried out automatically without client intervention. Operating principle of the service:

1. Before the day when the money is transferred, Sberbank warns the user in an SMS message that the funds will be withdrawn to pay for the loan. If necessary, the payment can be canceled by SMS one day before.
2. On the date specified by the client, the money is transferred to the Home Bank account.
3. The user is notified that funds have been credited.

To set up automatic payment, you need to go to the appropriate section in the online bank and select “Loans from another bank” from the list of services. Next, a list of banks will open; you must specify Home Bank. There is no need to enter the BIC and institution details, they are entered automatically. The next step is to select a card from which money will be automatically withdrawn, and indicate the contract and personal account number in Home, enter information about subsequent transfers: frequency, date and amount. The last thing is to confirm your actions.

Automatic payment is convenient if the client transfers money monthly to pay off the debt from the same account, but if different cards are chosen to pay the debt, then it is better to enter payment information every month.

How to pay for a home loan without commission

If you are a Home Bank client, then using the “My Loan” service on your mobile phone or via a laptop/computer, you will be able to make the first two payments without paying any loan commission. The only condition is that you have a Visa/Maestro/Mastercard. To do this, you need to go to the Home Bank website and select “Loan payment through the application.” A new page will open in which you need to enter some of your data: mobile number, date of birth and code, which is indicated right there on the page. Next, you will receive a code via SMS on your phone. For further use, it is recommended to set up an Access Code (this service is offered automatically by the My Credit service). These are 4 digits that will be requested during subsequent accesses through the mobile application.

“My Credit” is a simplified procedure for accessing data about loans and cards. It is most convenient and has more features as a mobile application.

The service shows:

• how much and when to pay: the date of subsequent payment and the amount to be paid are indicated;
• whether the payment was credited and on what date;
• how many payments are left;
• credit term.

Option for depositing funds using Internet banking Home Credit

So you can pay for a Home loan with a card in three stages:

1. Read and fill out the payment form. You must select the type of payment: “Loan payment” or “Credit card replenishment”, indicate the account number and agreement number.
2. Enter your card details and confirm the operation with the 3D Secure code.
3. Receive an email confirming the transaction.

If you cannot remember the account or agreement number when filling out the payment form, you will automatically be prompted to pay in the “My Loan” service.

This option, like others made online, allows you to pay on the spot (at home or at work), and crediting will occur within 1 business day. And another plus is that you can use the service around the clock.

Repayment through VTB24

Since 2014, VTB Bank has been offering its clients to repay obligations with third-party financial institutions. To do this, you need to have a personal account in the VTB Online service or use the VTB-24 application for mobile phones. Paying your credit debt is easy in a few clicks. The first is to go to the “Transfers” section and select the “Repayment of loans from other banks” category. The second is to select a recipient from the list. Third, fill out the details. Fourth, confirm the operation.

For convenience, you can configure the automatic repayment function by setting an individual schedule. Find out how long it will take for the money to be credited to the Home Bank account and how much commission will need to be paid, possibly before confirming the operation.

Repayment using QIWI card

The QIWI card is linked to an electronic wallet, payments from the card are actually payments from a Qiwi wallet. The opportunity to pay debt through QIWI has been available to HomeCredit bank clients since 2012. The payment steps are quite simple:

1. You need to log into your QIWI personal account by entering your login and password on the electronic payment system page on the Internet.
2. Select HomeCredit Bank from the list of companies on the right.
3. Enter the replenishment amount, decide on the account type (credit card number or account number), enter the account number, select the type of operation - loan repayment, and payment method - QIWI wallet.
4. Click on the “Pay” button.
5. It is also possible to save all the data and use it in the future to repay the loan.

In most cases, it will not be possible to pay a loan without a commission this way. The commission amount will be automatically calculated and displayed in the appropriate field, but it cannot exceed 1000 rubles, no matter what the amount deposited is.

Thus, you can pay for a Home loan in various ways, depending on which financial institution you have a bank card and whether your wallet is opened in one of the electronic payment systems.

When applying for a loan from a bank, one of the most important parameters for choosing a particular program is the terms of debt repayment. Sometimes the credit institution that issued the loan has few branches where payments can be made or ATMs in the borrower’s region of residence. Therefore, each tranche in favor of the bank represents a whole problem. Fortunately, Home Credit Bank clients do not have such problems, since this issue is carefully thought out in the interests of borrowers. At Home Credit Bank, you can pay for a loan in many different ways, the choice of which depends only on the convenience of the client and his preferences.

Payment methods

The lender offers to choose one of the most convenient options where you can pay the loan by bank transfer and in cash:

1. Depositing cash through a bank terminal or one of its partners, for example in branches or with a Sberbank card.
2. Cashless transfer by Visa or MasterCard bank card through various payment systems on the Internet.
3. Use of special terminals for depositing cash such as Eleksnet, Rapida, Qiwi.

If when using the last option - through payment terminals - you need to be prepared to charge a commission, then when paying using any debit card, no commission will be charged. Commission-free payments are only possible in the following cases:

1. Making the first two payments on any loan in any region of the Russian Federation.
2. Loan repayment at any stage of lending through the terminals of Home Credit partners in cities and towns where there is neither the lender’s office nor its own terminals.

Each of the above methods has its own characteristics, which you need to know about before paying.

Using Internet Banking

To pay using the specialized banking service Home Credit via the Internet, you will need to perform a number of preliminary steps:

1. Dial the bank's support phone number and provide your passport information, agreement number, and card details. To connect, use the number 8-800-700-80-60.
2. The client receives information indicating a login login and password. This information will be required each time you log into the user’s account in order to pay for the Home Credit loan.
3. On the official website, the borrower logs into online banking and chooses to pay the monthly payment.
4. To make a transfer, you will need to enter information about the client, the number of his loan agreement and the transfer details.
5. Payment identification and confirmation of authenticity in 3D Secure format.
6. The client is notified of the paid amount and payment details.

In addition to payment via computer, for the convenience of borrowers, it is possible to pay through a mobile application. Both the login and payment procedure are as simple as through the lender's website. Payment confirmation and identification occur using the password and login that were provided to the borrower for Internet banking.

Personal account features

On the bank's portal, it is easy to access the payment of the monthly installment by entering the phone number linked to the loan agreement, date of birth and confirmation code. After transferring the information, a code consisting of 4 characters is sent to the specified mobile number. After entering it, the borrower gets access to the borrower’s personal information:

• information about the upcoming payment - its size and replenishment period;
• general loan payment schedule;
• balance of debt to the credit institution;
• current lending conditions.

The payment function is provided by the payment button. In the payment form, the borrower enters the details of the agreement, credit account, and debit card details. Using the simplest sequence described above, funds are withdrawn from the borrower’s card and transferred to the borrower’s account at Home Credit Bank.

To avoid late payment, please note that the crediting period is one business day. Confirmation of enrollment will be a letter sent by the lender to the email address provided by the borrower.

Payment from the official website

An even simpler way to repay a loan from Home Credit is possible if you have a debit card and enough money in its account to write off. On the main page of a financial institution there is a section that allows you to pay off a debt to the bank without unnecessary manipulations with logging into your account and authorizing the user.

In the transfers and payments section, find the payment creation subsection. By clicking the go button, the client goes to the payment window, where all the data requested by the bank is filled in:

1. The payment type indicates “loan payment”.
2. Enter information about the credit account and agreement number. If information is lost, you can restore it by logging into your user’s credit account through authorization.

Details on payment in Sberbank Online

Paying for a Home Loan from a Sberbank card will not be difficult at all - you can make a payment through a terminal or organize a non-cash debit through an online program. Especially for clients who actively use Sberbank debit cards, it is possible to repay through the personal account of the Savings Bank payment resource.