Do you want to save on a loan from Home Credit, get a mortgage at a reduced interest rate, or make profitable investment? The advantages of banking services of a financial institution can be appreciated by taking advantage of special offers from Home Credit. You will learn about the bank’s promotions and their timing from this publication.

Home Credit Bank products with promotions*

Home Credit special offers apply to:

1. A bank client has an overdue debt.
2. Violation of deadlines occurred without, for example, due to loss of employment or change of position to a lower paid one, due to illness, etc.
3. Payment of 20% of the debt amount in one payment.
4. Amnesty can be expressed in the following forms:

Typically, banks do not disclose information about debt amnesty in public sources. The circle of persons participating in the action is determined credit institution internal orders.

If you're dipping your toe into the credit card pool is financing a specific purchase, you want the card that offers the longest 0% interest period on new purchases, giving you the longest time to pay off those expensive one-timers. And this period may be two or more years. is the best deal on new purchases currently on the market.

Provides 30 month interest rate for new purchases. But, crucially, if you have debt but still need to use your card regularly, there's also a 30-month interest-free deal on both new purchases and balancing, offering nectar incentives here. Just watch out for the same 95% interest rates after this period and transfer fees.

Lending allows you to solve current financial difficulties, while in recent years the position of banks towards borrowers has become much more loyal, which allows them to take out consumer loans quickly and without unnecessary problems. When deciding how to apply for a loan and how to get money as conveniently as possible, many potential borrowers are increasingly choosing the opportunity to work online, without visiting offices banking organizations. Home Credit Bank is a reliable and time-tested company, where you can apply for a loan quickly and with a minimum package of documents. Let's look at how to get a loan from Home Credit Bank, what documents are needed for this, and what the personal offer for regular customers affects.

As long as the balance is paid off at the end of the period, these cards stack up against the best of the best free finance or purchase loans you'll find on the high street - from furniture or electrical stores, for example. So the slogans here have "paid off" and if you think it's unlikely you'll clear debts even over two and a half years, you're probably better off looking for the best long-term deal with a low rate, currently 9% interest with low commission of 5% before increasing to 9%.

Big spenders who religiously pay off their balance either every month, or at least until the end interest-free period, can be prepared by choosing a credit card that offers the best cash deal or the best credit card rewards.

How to get loans from Home Credit Bank for those who are already clients of this organization? The first thing you need to do for cash at Home Credit is to check if you have a personal offer from the company. You can check its availability or verify its absence using the “My Credit” service or using Internet banking.

Which sounds generous until you get a 9% variable interest rate on everything you buy. Along with the above, with reward points, cash and balance deals, it's probably your best bet if you're going to be a repeat shopper along with its 25-month interest free balancing window with 9% down and 0% on purchases as well. for 25 months, then 9%.

If not, interest and fees will very quickly outweigh those rewards. But what if you're already facing debt and, despite your best efforts to reduce your borrowing, come to the end of your deal with 0% interest before you've paid it off? Then it's all about transferring the balance to the minimum payment, usually with the longest window of opportunity to pay it off.

If there is such an offer from HomeCredit Bank, you can receive it without visiting the office.

To do this, you must agree to the service in your personal account, after which a bank employee will call the specified phone number to clarify the details. To receive a cash loan, you will need your passport details, but the application will take place remotely, using your personal account. You can get a loan using an instant transfer to a Home Credit bank debit card, bank debit or current account of another financial organization.

Groceries carry 98% transfer as well as nectar items. What about debts created elsewhere? You can also transfer money debts to credit cards with the same types of money transfer credit card deals, the best of which currently have a 99% fee, or it has a 99% fee. If you need more time to pay off your debt, the best credit card with low money transfer rates now over 60 months for a 5% transfer fee.

Increasingly, however, providers are offering double deals on both balance transfers and new purchases. Use of such websites is subject to the terms of use as provided on such websites and will prevail over the terms of use in the event of a conflict between them. Your request redirects you to a third-party site. Please read and agree to the disclaimer before proceeding.

For new clients

A loan from Home Credit Bank can also be obtained by those people who were not previously its clients. In this case, the loan can also be approved via the Internet at the first stage, however, it will be possible to receive a cash loan only after visiting the office with the necessary package of papers. In addition, Home Credit Bank can issue a loan the old fashioned way: at the time the client directly contacts the company’s office with necessary package papers

Conditions for lending money

Please read and agree to the displanner before proceeding. Gone are the days when you checked your inbox daily for the latest and greatest credit card offers. Thanks to modern technology, you can access your offers at your convenience via the Internet. This is a great way to target credit card offers on your own terms, rather than waiting for them to show up in the mail.

We'll walk you through some of the most popular credit card companies so you can see which deals you specifically qualify for. Remember though, like any other pre-qualification or pre-approval that comes through the mail, none of these offers guarantee approval.

To submit an initial application for a consumer loan, you must fill out a small electronic form in which the person taking the loan must indicate personal data, passport data, information about work and the parameters of the proposed loan. After submitting the application, a preliminary decision will be made on it, after which a representative of the financial institution will contact the potential client.

You'll still have to go through the application process just like you would with a traditional credit card offer. Keep reading to learn more about these offers and what exactly the terminology means so you know how to interpret the best ones.

Start by going to the company's website, then scroll down to where it says, "Find the card that's right for you." You can choose from personal cards, small business cards, corporate cards or prepaid cards. Assuming that you want to use a credit card for your own use, you should select personal cards; however, it's worth noting that you may receive offers for other types as well.

Conditions for lending money

A cash loan from Home Credit Bank can be issued on the basis of several credit programs, which will differ in the interest rates offered, documents required to obtain and maximum limits.

If we talk about the maximum and minimum possible parameters, then existing clients can receive a loan from 10,000 to 850,000 rubles, with the most favorable rate will be 14.9%. Having taken the money, it must be returned within a period of one to 7 years. As for new clients, amounts from 30,000 to 500,000 rubles are available to them, and the rate will be slightly higher, starting from 17.9%, which is quite profitable. Since the maximum amount is lower than for regular customers, the repayment period is slightly different, ranging from one to five years.

What is important is that the service of early loan repayment, both full and partial, is available for all categories of borrowers. This allows you to count on the initial connection of the most comfortable monthly payment, which will make it possible to always pay your debt without delay. At the same time, if there are available funds, the borrower will be able to repay part of the principal debt or pay the bank in full without any penalties or restrictions.

Required documents

This question can also be answered differently for new and returning customers. The latter, in order to receive money under the offer, will need a passport and SNILS; pensioners must additionally prepare a personal pensioner's ID.

To receive the minimum amount, new clients will also need a passport and one of mandatory documents to choose from, among which may be the same SNILS, as well as a foreign passport, driver’s or pension license. To obtain a loan for larger amounts, new clients and existing borrowers who do not have an offer from the bank will have to additionally provide documents confirming solvency - this package is discussed individually.

Requirements for the borrower

It is worth saying that, in comparison with other banks, Home is quite loyal to potential borrowers without making too stringent demands on them. Thus, a citizen of the Russian Federation who has a residence permit in any of the regions where the bank has representative offices or at least resides in that region can count on receiving financial assistance. locality where he receives a loan. Age also matters: only people aged 22 to 64 can count on receiving a loan.

Another mandatory requirement is to have a permanent source of income. In most cases, it will not be necessary to officially confirm it, however, clients with a stable income and, moreover, officially employed people have a much better chance of having their application approved.

The main thing is not to try to deceive the bank regarding your financial situation. Despite the fact that employment certificates are not required here, it is easy to check the availability of income - you just need to check the data with the Pension Fund of Russia database, which will be available to the credit institution thanks to the consent to the processing of personal data and the provided SNILS number.

Flexible and loyal attitude towards borrowers are the main advantages of Home Credit Bank. The process of borrowing money is also attractive, as it is simplified as much as possible for existing clients: having a personal offer allows you to get a loan without leaving your home.

Home Credit Bank has a well-branched network of branches. These are more than 1,400 office branches, over 800 ATMs and more than 59 thousand points of sale. Which means a large number of people turn to Home Credit and Finance Bank. Reviews, of course, also abound.

Their characters are very different. There are positive ones that are left as a token of gratitude for good service. And there are also negative ones that characterize the problems that have arisen.

The latter of them are usually written in an expanded, detailed form. And this, of course, is correct. If you decide to become a client of Home Credit Bank, reviews will help you figure out whether it is worth contacting them. You just need to be able to distinguish cases that occurred through the fault of bank employees from those in which the client himself is to blame.

Today you can get the necessary information without leaving your home. Before you start reading the opinions left, carefully study the official website of Home Credit Bank. Reviews will be easier to understand after this.

If a person complains about incorrect service, rudeness, or the inability to get a comprehensive answer, then this is undoubtedly the fault of the bank employees. And when complaints are received that a person signed an agreement in a hurry, but at home carefully read the terms and became indignant, then he only has himself to blame.

The bank branches have all the conditions for obtaining comprehensive information. You should first familiarize yourself with the bank’s website. It describes in detail the available credit offers- rates, payment terms and registration conditions.

In the news you will find all the latest innovations. Please note the insurance conditions: it is not mandatory. If you have any doubts, please call the Home Credit Bank toll-free telephone line. Reviews should help you eliminate unpleasant moments.

The website has credit calculator, which is very convenient, and for each loan offer separately. You simply enter the amount, the number of months to repay, and the monthly payment appears in front of you.

Make a preliminary online application and get approval. And, armed with knowledge, go to Home Credit Bank. Be sure to leave feedback about your cooperation with the bank later.

Loan offers from Home Credit Bank

Cash lending: “Big money” and “Fast money”. The first option offers two credit products. This is a loan with an interest rate of 29.9, the amount offered is from 50 to 400 thousand rubles, and a loan with an interest rate of 22.9%, the amount offered is from 100 to 700 thousand rubles.

For the “Quick Money” loan, the interest rate ranges from 39.9 to 69.9%. It depends on the number of documents submitted for consideration. The more there are, the lower the percentage and the more profitable the offer.

A "Fast Shopping" credit card is offered. If you provide a passport and two additional documents confirming your income, the annual rate will be 34.9%. Passport and one additional document- 39.9%. One passport - 44.9%.

Minimum payment here is 5% of the amount you owe. But you can't pay less. There is a deferment on interest payments for a period of 51 days. If you withdraw cash, you will pay a commission of 299 rubles, so it is better to withdraw all the money at once.

There is another loan: Home Bank offers car loans. Please note that CASCO insurance is not required here. The amount is issued from 50 to 500 thousand rubles. If the loan is secured vehicle, then the annual rate will be 18.9%. Otherwise - 29.9%.

Do you want to save money on a loan from Home Credit, get a mortgage at a reduced interest rate, or make a profitable deposit? Advantages banking services financial institution can be assessed using special offers from Home Credit. You will learn about the bank’s promotions and their timing from this publication.

Home Credit Bank products with promotions*

Special offers Home Credit applies to:

• Conditions for issuing cash loans.
• Receiving credit cards.
• Debt repayment.
• Placement of deposits.
• Opening accounts.
• Charitable purposes.
• Cultural events, etc.

To receive information about the bank's promotions, subscribe to the news of the credit institution:

1. On the main page of the site in the top banner in the “Online Application”, “Loans”, “Loans” or “Deposits” tabs.

The specified page with special offers also opens when you click on the tab on the right “Special offer of the Bank”.

2. B in social networks. Direct links to official bank accounts can be obtained on the Home Credit website. You can also find the profile of a financial institution through the search engines of 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 Credit official website page with promotions.

WITH home page you can go to the “Other services” – “Promotions” tab.

4. In the “Ask a question” tab on the Home Credit portal on the right or the link of the same name at the top

6. To receive news on loan offers, follow these steps:

• Open the “Loans” tab – “Find out about a special offer from the Bank.”

• When you click on the link, a page with a questionnaire opens. 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 number and enter it in the free field.
• Click on the “Show result” button again.

Home Credit: offers for loans on special terms*

The financial institution provides the following lending benefits:

• Refund up to 10% 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 transactions to receive cash from an ATM. Validity period: from 02/01/2015 to 02/01/2016.
• For purchases in special categories (tourism, technology, etc.) – a bonus of up to 4% is added to the card. The duration is unlimited.
• Decrease in interest rate. Conducted from 02/01/2015 to 02/01/2016.
• Cancellation of loan maintenance fees. Participation can be taken from 02/01/2015 to 02/01/2016.
• Up to 50% discount on cash withdrawals. Duration: from 02/01/2015 to 02/01/2016.
• "SMS Promotion". Notifications are sent free of charge from 04/02/2015 to 07/31/2015.

Promotions in Home Credit Bank*

The credit institution notifies about promotions in the following categories:

1. Salary projects:

Increasing the lending limit from 400 thousand rubles. up to 500 thousand rubles The duration of the promotion is unlimited.

• Opening a “Quick Income” deposit in Internet banking with a rate of 13%. The duration of the promotion is unlimited.
• Opening a “Key Interest” deposit with a rate of 12.5% ​​on the deposit for 3 months. Dates: from June 11, 2015.

3. Debit cards:

• Accrual of income on the balance in rubles – 10% on the “Good News” card. The duration of the promotion is unlimited.
• Accrual of bonus points for purchases with the Polza online card in the following companies: Booking, Yves Rocher, Holodilnik.ru, MediaMarkt, Tekhnosila, Tutu, Otto, M.Video, etc. Bonuses are awarded at any time the card is used.

4. Premium cards World MasterCard Black Edition:

• CashBack – refund to the card up to 5% of purchases in the categories: “Sports”, “Theatres and Cinema”, “Beauty salons and gifts”. The promotion lasts from 04/01/2015 to 06/30/2015 inclusive.

5. Promotions:

• “Children and Money”: books for financial education of children. On the Home Credit website you can download a tutorial on family finances for children online for free. Conditions are valid for the first 2000 participants.
• “Extend your deposit”: for owners of “Pros Only”, “Pros Only (Prime)”, “Ten” deposits in rubles. Promotion period: from October 1, 2013 to January 9, 2016.

6. Visa cards Premium class.

• When shopping at the Azbuka Vkusa store, you will receive a spice grinder as a gift. Time: from June 1 to June 30, 2015.

Does Home Credit conduct debt amnesty campaigns?

From time to time, Home Credit Bank, as part of its customer loyalty program, announces debt amnesty promotions. Participation in the project is subject to the following conditions:

1. A bank client has an overdue debt.
2. Violation of deadlines occurred without, for example, due to loss of employment or change of position to a lower paid one, due to illness, etc.
3. Payment of 20% of the debt amount in one payment.
4. Amnesty can be expressed in the following forms:

Typically, banks do not disclose information about debt amnesty in public sources. The circle of persons participating in the promotion is determined by the credit institution by internal regulations.

In the article:

Life situations sometimes do not allow borrowers to fulfill their obligations to the bank. Loss of a job, loss of ability to work, decline in health and other difficulties can significantly undermine the client’s authority before the bank if he does not pay obligatory payments. The Bank treats these developments with understanding. Therefore, among its programs there is a Home Credit debt amnesty.

Loan debt amnesty - what is it?

You should not have any illusions or dream that after submitting a certificate to the bank, the borrower will be finally and unconditionally released from all obligations under the loan agreement. There is always an intermediate option - and in each specific case the bank considers the borrower’s situation individually.

The Loan Debt Amnesty campaign started in 2014. It works in such a way that the bank offers the borrower a one-time repayment of 20% of the total debt. After this, the bank does not demand that the debt be returned to it.

Time will tell whether the promotion will be valid in 2018. As a rule, the bank, based on specified criteria (the details of this list are unknown), selects a number of debtors and makes them this unique offer. Therefore, if you have an overdue loan, do not ignore the bank’s calls, maybe it wants you to take part in the Debt Amnesty 2018 campaign.

To be fair, it should be noted that not all banks practice complete write-off of borrowers’ debts and for most of them such an action is not acceptable. Many of them offer clients who find themselves in difficult financial situations debt installment plans, renegotiation current conditions loan agreement or credit holidays.

Conditions of the credit amnesty

It would seem that this is the solution to the problem. But not everything is as rosy as the debtor would like. Negative consequences still arise for the borrower who was affected by the Home Credit Debt Amnesty campaign. Reviews about this procedure are easy to find on the Internet.

It is worth remembering that debt does not disappear. Yes, the borrower is no longer required to repay it. But formally, the debt continues to be registered with the client. More to the point in simple language, it is written off to the bank's archives.

The operating principle of the amnesty action is as follows:

• The borrower is asked to repay at least 20% of the outstanding debt;
• Such an offer can come from both the bank and the borrower;
• It can only be used if the overdue debt is more than twelve months old.

The borrower will not be given any documents confirming the absence of debt, the closure of the loan, or the absence of financial claims from the bank. This means that in all programs that will be available to employees of financial institutions (not just Home Credit Bank), this borrower will have a debt in the amount of 80% of the remaining debt.

A client who decides to participate in the debt amnesty campaign from Home Credit will not be able to obtain a loan. Moreover, we are talking about absolutely any form of it, starting from credit card and ending mortgage loan. No financial institution will assume the risk or responsibility to issue sum of money the person who committed such a delay.

Conclusion

Banking processes in Russia are such that complete updating of information in the credit history bureau occurs no more than once every ten years. This means that from the moment the amnesty agreement is concluded, at least one decade must pass before the client is given the opportunity to receive a loan from a bank. However, the debt amnesty campaign at Home Credit Bank finds its participants, which is confirmed by reviews on the Internet. This will happen in 2018 if the bank makes such an offer to its borrowers. Among them are those borrowers who cannot take advantage of the bankruptcy law, and certainly cannot continue to pay the loan, even under the terms of restructuring (many banks offer this scheme today).

Statistics show that every year banks write off significant amounts from their debtors. However, household loan debts are still at a high level.

A cash loan from Home Credit Bank is a great opportunity to get at your personal disposal cash over which the bank does not exercise control. Home Credit Bank offers profitable terms lending not only to regular but also to new clients. We will tell you what requirements the borrower must meet and what actions must be taken to get a loan in in cash in just 1 day!

Individuals who meet 5 basic requirements are entitled to apply for a loan from Home Credit Bank in cash:

1. Russian Federation citizenship. Only Russians can apply for a loan. There are no programs available for foreigners and stateless persons.
2. Permanent registration. In the constituent entity of Russia in which the branch of the credit institution is located.
3. Age. From 22 to 70 years. Special programs with preferential terms not available for pensioners.
4. Official employment. The work experience at the last place of work must be more than 3 months.
5. Excellent credit history (CI). No delays, unpaid loans or litigation.

Do you meet these criteria? Then you can proceed further - choose a loan program that provides payment in cash, and prepare documents to receive it.

Interest rate and conditions

Home Credit Bank offers favorable conditions for issuing cash loans for all categories of borrowers. You can ask questions related to determining the interest rate and other conditions through technical support online using the official website or in person at a branch of a credit institution.

For new clients

If you do not have a valid Home Credit salary card, you are not included in the category corporate clients bank and don't have a good one credit history(CI) at Home Credit Bank, you will be offered the following lending conditions:

Standard conditions do not depend on the borrower’s age, income level, availability real estate in ownership and other factors. They are determined by the Home Credit Bank program and are not subject to change.

For regular customers

For those who have previously issued a consumer or cash loan to Home Credit Bank and repaid it on time without delays, more favorable conditions are offered:

Note! Holders can apply for an interest rate of 12.5% ​​and other loyal parameters salary cards Home Credit Bank and corporate clients.

Receipt procedure

The ease and speed of obtaining a cash loan is the difference between Home Credit Bank and many commercial credit institutions. How to get a loan? Make 5 simple steps to receive and repay a loan issued by Home Credit Bank.

Step No. 1 – filling out the application form

Home Credit Bank offers borrowers 2 methods - online through the official website or Internet banking, or by visiting a branch of a credit institution in person.

Information to be specified:

• full name,
• Date of Birth,
• passport details (as indicated in your passport),
• phone number.

Note! An SMS message will be sent to the entered number with verification code. Its indication is necessary in the future to receive a loan.

Provide only reliable information - the bank’s decision to issue a loan depends on this. instant loan in cash. Additionally, when filling out an application in electronic (click the button) or written (check the box) form individual consents to the processing of personal data.

Step No. 2 – collection and provision of documents

One of the advantages of obtaining a cash loan from Home Credit Bank is a minimum of documents. You need a Russian passport and SNILS (optional). Borrowers who have reached retirement age and do not continue to work must additionally present a pension certificate (or a certificate confirming the establishment of a pension).

Step #3 – making a decision

After submitting a preliminary application for consideration and submitting a set of documents, you must wait for the bank’s decision.

It will depend on the following factors:

• solvency,
• age,
• compliance of the borrower with the bank's requirements, etc.

It takes no more than 2 hours to review an application for each loan program. The decision is sent to the borrower by the specified number telephone or at a bank branch.

Step No. 4 – receiving money

If your application for a cash loan is approved, a contact center specialist will contact you shortly (from 15 to 40 minutes after receiving the decision). The manager will clarify some personal data and may ask several questions related to the borrower’s solvency.

The money is transferred to the borrower’s account on the day the application is submitted and approved! You can withdraw them in full or partially in cash at any Home Credit Bank branch. Account status information is always available in credit account, in addition, you can view your balance in Internet banking.

Step No. 5 – repaying the loan

For the convenience of borrowers, Home Credit Bank offers various debt repayment options. Among the most common are depositing cash through a cash register at any Home Credit branch, through the “My Credit” service or online banking.

You can pay a loan with a commission using a credit or debit card, issued third party bank, or through the cash desks of other banks. Payments are accepted by FSUE Russian Post. Additionally, the client can use electronic payment systems (QIWI wallet, etc.).

Features of obtaining a cash loan at Home Credit Bank

Russian bank Home Credit offers fast processing A cash loan does not require security in the form of collateral or guarantors. There is no fee for issuing a loan or servicing the account to which funds are transferred.

Cash loan from Home Credit Bank: review of programs and conditions