It can be done in several ways. Each client has the opportunity to choose the most convenient payment option. Let's look at the ways to pay for a Home Credit loan in more detail.

Branch office

Payment for the loan "Home Credit" can be made at the cash desks of the bank itself. This operation is completely free. It is enough to go to the nearest branch, give the receipt to the cashier and the money. After that, you can safely forget about the loan until the next payment. It is worth recalling that funds are credited to the account within one day.

Mail

Home Credit payment can also be made at the Russian Post. To do this, you need to visit any branch that carries out transfers called "CyberMoney" and make a payment. To do this, you need to fill out a special electronic transfer form. Please note that a fee will be charged upon payment.

Cash desks of other banks

You can pay off the current loan in any other bank. It acts as a basis for making a transfer from the borrower or payer. In this case, the operation can be carried out with open account or without it. It all depends on the organization where the payment is made.

Payment of the loan "Home Credit" in this case occurs in the following way:

The client comes to the office of the selected bank and fills out payment documents.

If necessary, a new account is opened (each bank has its own peculiarities of work).

Funds are deposited at the cash desk immediately as payment or to an open account.

The transfer of funds is carried out on the basis of the data provided. The operation can take up to five business days.

Each of the institutions has its own procedure for transferring funds, and it may differ. The commission is also established by the organization in which the transfer is carried out. Therefore, you can clarify the availability and size of the commission in the bank itself.

Payment via Sberbank

Pro given bank should be said separately, since in addition to the usual transfer through the cash desk, you can pay for a loan through other services. The first is Sberbank Online, which makes it possible to make transfers via the Internet without leaving home. In this case, the Home Credit loan is paid via the Internet. A commission of one percent is charged for this operation.

There is also the possibility of connecting a service called "Autopayment". As the name implies, the payment is made automatically. To use it, you need to issue a card at Sberbank and activate the service. After that, it will be enough just to replenish the card once a month, and the loan will be paid by itself. Moreover, this operation is carried out without commission.

Withdrawal of funds from wages

In addition to the usual methods, payment for the Home Credit loan can be made from the client's salary. At the same time, it doesn’t matter at all how it is issued - through accounting or on a card. This is only significant when deciding where to apply for a loan write-off.

The registration procedure is as follows:

The client specifies which bank details are used for transfers to the bank.

Submits an application to the accounting department, on the basis of which every month transfers from the salary will be made to repay the loan.

After accepting the application for work, the payment of the loan "Home Credit" will be carried out automatically. Do not forget that the employer will not always agree to take on the obligation to transfer and therefore may refuse to accept the application.

If wage paid to the card, you can issue an application at the bank where it is issued.

How to pay through ATMs?

You can make a cash transfer at any "Home Credit" terminal - loan payment bank card or cash in this case, it all depends on the availability of a bill acceptor at an ATM. The operation will be carried out without commission. The client is identified by the number of the contract or invoice, it is also possible to read the barcode. Funds are transferred within three days. In addition, payment for the Home Credit loan through the terminal can also be made at an ATM of any other bank, but with a commission.

Payment scheme in the terminal "Home Credit"

In the "Cash-in" menu, select "Loan repayment".

Bring the barcode to the reader. If this is not possible, then enter the contract number.

Deposit cash.

Get a receipt for the transaction.

Bank "Home Credit" - payment of a loan in the terminals "Eleksnet", "Rapid" or "Qiwi"

You can pay the loan through terminals or electronic wallets. To do this, you need to download the application on your phone and select the "Payment loan" item. There is a fee for the operation. Its dimensions must be specified in the system.

Eleksnet terminals offer a simple operation. Detailed instructions can be viewed directly at the time of payment. A fee is charged for the service, the amount of which will be indicated when depositing cash. Funds are transferred to the account within two days.

To pay through a payment card, you need to visit its branch with a passport and details. The client needs to notify the cashier that he has issued a loan at Home Credit and deposit the required amount. The commission is one percent, but not less than 50 rubles. Funds are transferred within two days.

"Home Credit" - credit card payment in salons

You can also repay the loan in the Euroset, MTS and Beeline salons. If possible cashless payment you can pay by card. If the payment is made for an amount less than five thousand rubles, the commission will be fifty rubles, if more - one percent. Funds are credited to the credit account on the next day after payment.

A passport and an agreement are required for the transfer. If you are applying for the first time, you must provide your full name, contract number, account number, bank name and phone number.

When you contact again, you just have to name the phone number, since a template is created from it, where all the transfer data is saved. If the repayment was made through the Euroset salon, the data can be read from the barcode on the check, so it is better to have it with you.

How to pay off a loan online?

Like any other bank, Home Credit also has an Internet banking system that allows you to make payments without leaving your home. Withdrawal of funds is carried out from a debit card to a credit account. This type of payment does not imply any commissions. Funds are transferred within two days.

The payment procedure in this case is as follows:

1. Select a card to be debited.

2. Specify the account where the funds will be transferred.

3. Receive an SMS with a code to confirm the payment.

4. Enter the numbers into the system.

5. After that, the money will be debited and will go to the credit account. All operations are carried out at a safe level and you should not be afraid that someone else will intervene.

Protection is carried out by receiving an SMS to the client's phone with a confirmation code. If you have a loan in "Home Credit Bank", pay the loan via the Internet quickly and conveniently.

If you are slightly behind the deadline, and the due date is very close, do not pay on time. third party banks and terminals, as the funds go for several days. As a result, there may be a delay. Well, who wants to pay a fine for delay in one day? Surely no one. In such a situation, it is best to pay at the bank's cash desk or via the Internet.

When paying in foreign banks or terminals, a commission is charged for the payment, which is set by the organization receiving the payment. Without commissions, you can pay only at the cash desk of the bank itself or through self-service devices.

The longest of all is the method of repayment through the mail. In this situation, funds are received within 10 days from the date of payment.

For people who do not take loans or take them rarely, this topic may seem absurd. It is clear that in order to close any loan or loan, you need to fully pay off the obligation, after which the lender will not have any claims against you. In reality, not everything is so simple. In the practice of Home Credit Bank, there were many incidents related to loan repayment. And often everything ended in problems for the debtors, and all because they did not know how to close the loan correctly. Let's figure it out.

Having taken a loan and found out the payment schedule, many borrowers until the moment full repayment loan obligations are simply paid according to this schedule, without finding out anything else and without collecting additional information. Subsequently, when they think that they have already repaid the loan in full and forget about it, they get a call from the debt collection department of KKB and find out why they did not pay some insignificant amount on time, for example, 543 rubles 12 kopecks. And this is where problems can start.

Experts advise periodically to find out the status of your credit score. Receive information about the receipt or non-receipt of funds to the account, changes in payment schedules, and more. Currently, Home Credit Bank provides whole line ways in which the borrower can easily obtain the necessary information.

1. Personal appeal to Home Credit Bank. When you personally contact the branch, you only need to present your passport to the employee, after which he will find out what active loans and credit cards you currently have, their balance, payment schedule, and so on. Here on the spot you will receive advice on your questions.
2. Connect client notifications via SMS. If you have connected this service when concluding a loan agreement, you will be promptly notified about everything that happens with your loans, accounts and cards in HKB. You just have to remember to read SMS.
3. Call HKB customer support. This is a special service that advises citizens 24 hours a day. By calling there and informing the operator of the passport data, as well as the code word, you can get the necessary information.
4. Use an ATM or HKB terminal. An ATM serves not only to issue or accept cash and engage in money transfers. It is also a source of information. Inserting credit or even debit card, you can view not only the data on the account linked to the card, but also on your other accounts.
5. Get all the data without leaving home through the Internet Bank and Mobile Bank. These services allow you to make almost all financial transactions without leaving your home. By going to the desired section, you will receive information about the status of the credit account, the time and date of making payments, the debt repayment schedule, and much more. You can also make a payment if necessary, which will save you a lot of time.

Please note that not all HKB customers can use mobile bank or Internet banking, but only those who have connected to them in advance and received individual logins and passwords to access the personal accounts of these systems.

Closing procedure

So, how to close the loan correctly so that later there are no problems with the bank? As mentioned above, if the client is promptly informed, he is already much less likely to make mistakes when closing a loan. But even an informed client should be reminded of some procedural features, non-observance of which can turn into trouble.

When closing a loan, find out the amount of the last payment to the nearest penny. Usually the last payment is slightly less than the previous one, and here it is important to make exactly as much as required without overpayments, let alone underpayments. Underpayments or overpayments on the final payment may cause the system to automatically classify your credit account as overdue.

What does it threaten? Yes, anything, there have been cases when negative information was sent to the Credit Bureau for a certain client due to the fact that he underpaid a little more than 50 rubles on a loan. The costs of ill-conceived automation of information processing, because of which the client inevitably suffers.

To be sure, after making the last payment, it is better to contact the HKB branch and personally find out from the employee the status of your credit account.

WITH credit card the matter is a little more complicated. To close it, you need to complete a series necessary action.

• First of all, you need to pay off the loan on the card. The balance must be strictly zero. You can find out the balance on the card in one of the ways that we listed above.
• Next, you go to the HKB branch and show the employee your passport and card, which must be closed.
• At the next stage, you write a statement in which you indicate that you want to terminate the loan agreement on a revolving credit card and liquidate the account.
• The bank employee performs all the necessary manipulations, and then cuts the card into small pieces in front of you. At this stage, you need to control the execution of documents, and most importantly, refuse services that are no longer needed, such as mailing lists and SMS informing.
• Ask to make a copy of your application with a seal and the date of acceptance by a bank employee, and then go about your business with a clear conscience.

That's not all. In order to act quite competently and make sure 100% that there are no “pitfalls”, ask the bank for a special certificate after 45 days. It is called "Certificate of No Debt". The bank is obliged to issue this certificate to you, and you, in turn, keep it for 36 months. If something goes wrong, it will be "reinforced concrete" evidence in court that you are in fact no longer a bank borrower. And he will not be able to present any legal claims to you.

Rules for early repayment of a loan

To reduce the overpayment, borrowers often go to close the loan ahead of schedule. This is very beneficial, but, of course, only if there are additional financial opportunities. If you decide to pay off the loan ahead of schedule, then it is not enough for you to simply deposit a large amount into the account. You need to do the following:

1. You need to write an application or leave an online application for early repayment of the loan.
2. While in the bank itself or by calling an employee by phone, you need to clarify the amount of the payment and the new payment schedule.
3. Before the date of the monthly payment (according to the old schedule), you need to deposit the required amount into the account.
4. Next, you need to make sure that the money has arrived and the new payment schedule has been approved (this can happen automatically).

All the necessary information will be displayed in the HCB Credit Cabinet. You can use it, it's fast and convenient.

When depositing money, remember that they may not be credited instantly. You should always have enough time to spare. Be careful when concluding a loan agreement, receive the necessary information on time and deposit money, follow the instructions and you will not have problems closing the loan.

Good afternoon

I wanted to learn more about the procedure for the full early repayment of my loan at Home Credit Bank. I used an online consultant on the site, as a result, I lost almost half an hour, and literally "shaken" everything out of the operator. If I had not been an accountant, as I understand it, I would not have achieved anything from the operator: she, as best she could, fooled me, and diverted the conversation to the side. I see that bank employees look at these reviews - I have a saved copy of our online conversation and the name and surname of the operator (if interested, I can send it).
Interested in something else. Of course, we all understand that early repayment is not very profitable for the bank. And yet, it is not entirely clear to me why the bank makes a "secret" from the full early repayment procedure.

Judging by what I managed to "pull out" from the employee's answers, the date of full repayment will not be the day on which I actually deposited the money (moreover, the bank credits money through its own cash desk up to 2 business days, funny, right?), and the date of the next write-off of funds according to the payment schedule. Closing documents are issued no earlier than 7-10 days after this write-off. You do not need to write an application for early repayment. OK. I read the reviews here and now I'm worried about something else: they calculate the amount of early repayment, then, as one of the Clients wrote here, for some reason it is not enough (some three kopecks), and the bank starts to write off funds from the account, instead of to pay it off early. That is, I need to deposit more funds, and then, upon completion of the calculations, somehow receive them from the bank? It is supposedly not necessary to write an application, but how will I prove later that I deposited money precisely for the purpose of full early repayment, and not just deposited it into the account for debiting according to the schedule for some months in advance?

My conclusion is this: you need to come to the branch, deposit a larger amount (preferably with a monthly "gap") than the Bank employees will call you, write an application for full early repayment (by the way, it should be in accordance with the law), then come through 10 days after the debit amount according to the schedule and require from the bank a certificate of account closure and that loan agreement closed. Still somehow it will be necessary to return the overpaid amount.
In a word, all these points are extremely difficult to find out from employees. In my opinion, this is not the correct position of the Bank. As an accountant, I know such nuances and will not get off the bank until I get everything Required documents, signatures and confirmation of payments. And how, in this case, to be people who are far from such "paper" subtleties?

I would be very grateful if here, on this site, or to me personally, or - best of all - on the pages of their site, the Bank's specialists still fully explain the procedure for full, and at the same time partial early repayment of the loan. Step by step.

More thanks in advance!

Home Credit is a popular banking organization that successfully works with various companies and individuals. It provides various types of credit and other types of products. The most popular are loans. It must be said that the bank provides "easy" and free early repayment of Home Credit loans. It is important to understand exactly how this process is carried out, as well as what features it is accompanied by so that everything goes smoothly.

When applying for a loan at a bank, there is certainly a need to return the money with accrued interest within a strictly established time frame. However, payers may be able to make certain payments prior to this period. cash, which act as early repayment.

After depositing any amount, the recalculation begins, and on its basis either the full loan term is reduced, or the amount of the payment made by the borrower to the bank on a monthly basis is reduced. This moment is either agreed in advance when it is only drawn up and signed, or indicated in the process of signing an application for early repayment.

Homecredit offers its customers two different types of early repayment, the choice depends on what kind of money is paid in addition. To do this, it is determined whether it is equal to the loan balance or less:

Thus, early repayment of any loan is actually beneficial for each client. This is due to the fact that the overpayment for the use of borrowed money. This is especially true for payers for whom monthly loan payments are excessively high, so it is difficult for them to cope with such a loan burden.

How is early repayment carried out?

If the borrower has decided that, certain actions are taken:

• if you plan to fully repay the loan, then initially it is important to find out what the balance of the debt is, for which you should contact the bank branch directly in order to obtain a certificate containing the necessary information;
• an application is written, this document indicates how much is paid ahead of schedule, and also when it will be done;
• at least two days before the appropriate date for making a monthly payment, the necessary funds specified in the application are deposited into the account from which the money is withdrawn as payment for the loan;
• on a certain date, the bank writes off money from the account, which ensures early repayment of the loan.

After completing all the necessary actions, the borrower must check whether the payment has taken place, for this it is not necessary to come to the bank branch, since it is possible to use a simple and affordable credit cabinet. If the loan is fully repaid, it will not be displayed in the account.

How do you pay

Partially in Home Credit Bank it is allowed in different ways:

• with the help of a specially opened account in the organization, through which other payments on the loan passed, and it will certainly be opened at the initiative of the bank or the borrower in the process of signing the loan agreement;
• when personally visiting the branch of the organization with the required amount of cash used for early payment as payment for the loan.

You can find out exactly about the balance of the debt amount not only during a personal visit to the bank, but also by phone hotline, however, for this it is necessary to have information about the number of the loan agreement.

If the payer uses a bank account, and funds are transferred to it bank transfers from another similar organization, it should be borne in mind that the enrollment is not made instantly. It should be noted that the number of days can vary greatly in different banks. Therefore, it is advisable to complete this process 10 days before the date when you plan to write off money as a loan repayment.

In the case when the borrower prefers to repay loans in advance, this has a positive effect on his credit history, therefore, in the future, when you re-apply to Home Credit Bank for loans, you can count on really profitable and interesting offers from this organization.

Is it possible to return the insurance after early repayment?

Early repayment Home Credit Bank loans are carried out by many borrowers, but not all of them are aware that this action is the basis for the return of insurance if it was issued by them. In fact credit organisation never forces borrowers to buy an insurance policy, but often life insurance has a positive effect on the loan application approval process.

Each borrower has the right to refuse insurance within 14 days after signing the contract, for which you will have to contact the company in which the policy was directly purchased. It is important to remember that often the loan agreement states that if the borrower refuses to insurance policy, then this is usually the basis for raising the interest rate on the loan. Often such an action banking organization is less beneficial for borrowers than paying insurance premiums.

If the payer paid the loan in good faith and insurance premiums, and at the same time repaid the loan ahead of schedule, then he has the right to return some part of the paid sum insured.

For this, an application is made to insurance company with the requirement to recalculate and return part of the money. It is allowed to issue this application at a bank branch, after which Home Credit employees will transfer it to an accredited insurance organization.

Can early repayment fail?

Some payers are faced with the fact that on the day when money should be transferred for early repayment of the loan, there was no this action. The point is that after additional amount the bank employees will certainly recalculate, and the borrower receives a new payment schedule. If the document is not issued, then this indicates the absence of depositing money.

When such a situation occurs, simple actions are performed:

• It is determined whether the client has deposited a sufficient amount of funds indicated earlier in the application to the account from which the funds are debited. Few people know, but when even a few rubles are missing, the repayment will not be made by the bank employees.
• If required amount has been accurately deposited, then there is a possibility of some kind of auto payment. Many people in personal account set up automatic debiting of funds, for example, for the SMS informing service, as a result of which, by the required date, the required amount of funds does not remain on the account.
• If there were no problems on the part of the borrower, then the bank employees are to blame for the lack of payment. In this case, another statement is written, which is transmitted to the employees of the organization, in which the error is indicated.

As a rule, most of the problems that arise in the process of early payment of funds on a loan are related to borrowers. They do not deposit funds into the account, use bank transfers, forgetting that it takes several days, and also confuse dates.

Early repayment in Home Credit is carried out in different ways. Such a process is beneficial to the borrowers themselves and the banking organization.

The Company does not in any way create obstacles for its clients to repay loans before the due date. Therefore, lending in this bank is considered profitable and convenient. By depositing funds outside the established amount, it is possible to reduce the amount of money paid on the loan monthly, or to reduce the loan term. This issue is discussed in the process of signing the contract. Home Credit has a positive attitude towards conscientious borrowers, therefore, when they apply again, they will be offered a low interest rate and other favorable conditions.

In Home Credit, early repayment of a loan is as easy to implement as in all others banking institutions Russia. Undoubtedly, the process includes a wide range of features and details that are impossible not to pay attention to. So, if the borrower understands that he has “free” money that could fully or partially repay the debt to the bank, he has the opportunity to implement his plan immediately and completely free of charge.

Such a concept as early or partial repayment of a loan is already calmly perceived by citizens, especially those who have the opportunity to repay the debt before the deadline agreed with the lender and thereby save themselves from overpayments.

The bank must be warned in advance that the debt obligation will be repaid in advance, otherwise the conflict with the bank is guaranteed to the debtor.

Many are interested in how to repay a loan early at Home Credit Bank via the Internet. In principle, the question is not strange - there really is such a possibility, but, nevertheless, experts still advise all issues related to such a sensitive and serious “case” to be resolved not online, but personally with an employee of the department for working with individuals, in branch of the financial institution directly.

Types of early repayment

Indeed, today, there are two types of early repayment: full and partial. The process of their implementation is very similar, but still they include some differences.

Full early

Full early repayment is the return of the entire amount of debt under the loan agreement.

The procedure has some features that everyone who wants to repay the loan prematurely should be familiar with.

1. In no case can loans be returned without notifying the lender at least 30 calendar days before the moment the payment is made to the account;
2. Having written an application for full early repayment, the borrower must pay an amount equal to the balance on consumer credit or a little more of it. At the same time, it is noted that the “change”, which will remain in the bank’s account after the loan is debited, can be cashed from the cashier, subject to payment of the commission for issuing;

Partial early

Partial early repayment is not as profitable as full, but it definitely has its advantages, moreover, there are several of them.

1. When making a certain amount as part of the partial early repayment of the loan, the citizen has the opportunity to reduce the amount of the monthly payment by two or even three times (depending on the size of the payment);
2. After the bank writes off a specific amount from the account, credit managers will make a recalculation, as a result of which credit conditions may change, moreover, in favor of the borrower:
   • extension of the loan term (at the request of the debtor);
   • reduction in the amount of the monthly payment;
   • automatic reduction in the amount that the citizen had to “overpay” Home Credit Bank (this is not an installment plan, of course, but the amount of overpayments will really decrease);

Repayment methods

As part of the unstable economic situation in the country, every Russian is trying to save money everywhere, or at least not overpay once again. So in the case of loan repayment, there is both profitable ways payment, and no.

In the bank

It is worth noting that the commission is charged in any case, but its amount depends on which bank the payment is made in.

1. At the Home Credit Bank branch, having a loan agreement and a passport with you (commission is standard);
2. In other financial structures of the Russian Federation, having a passport, taxpayer code and details with you (the commission is often much higher, at least 0.3%, than in Home Credit).

Through the Internet

This method of depositing the amount to the bank account as part of the early repayment of the loan is not only popular, profitable and easy, but also fast, since to implement the plan, you only need a laptop connected to the Internet.

Repayment process: step by step instructions

So, in order for the process of repaying the loan ahead of schedule to succeed, the borrower will only need to follow a simple instruction.

1. The debtor must write a statement stating that he has intentions to prematurely repay the loan, indicating which of the types in question - full or partial (optional):
   • you can write an application in free form;
   • fill out the form, which can be downloaded on the Home Credit website;
2. 30 days before making the payment, take the application to the bank and give it to the employee for work with individuals. Ask the credit manager to issue a copy of the application with the seal of the bank (for insurance, so that in case of loss of the application, protect yourself from claims from the financial structure);
3. 30 days after Home Credit is notified of its intentions, it will be necessary to deposit a certain amount to the bank account;
4. On the second or third day after payment, visit the bank, contact the loan manager, and ask him to issue:
   • a document confirming the fact of closing the loan obligation to the bank (full early repayment);
   • a new debt repayment schedule developed by the bank after the recalculation of the loan (partial early repayment of the loan at Home Credit Bank).

Sample application for partial early repayment of a loan at Home Credit Bank