Home Credit Bank is one of the leaders in the lending market. Developed by him credit programs are in demand. And the review below describes the full conditions under which you can get a loan from Home Credit Bank, and gives advice. All that remains is to collect the necessary papers and go to the bank branch for a loan.

General conditions for obtaining a loan

At Home Credit Bank you can get a “Cash on Credit” loan under the following conditions:

• the minimum loan amount is 10 thousand rubles, then the maximum threshold is limited to 400 thousand rubles;
• the interest rate on the loan ranges from 27.9% to 69.9%;
• money can be borrowed for 6, 12, 18, 24, 30, 36, 48 and 60 months;
• there are no fees for issuing a loan and no initial payments;
• the decision to issue a loan is considered for a maximum of one and a half hours;
• money is issued exclusively in rubles by crediting the entire amount to the card, that is, non-cash payments are made.

What requirements does Home Credit Bank put forward?

Potential bank borrowers must:

• have Russian citizenship;
• be registered and also permanently reside in the region where the loan was received;
• fall within the age range of 18-68 years;
• have a good credit history;
• have stable income.

What documents are required to apply for a loan?

A loan with a maximum amount of 300 thousand rubles can be obtained without official confirmation of income, you only need:

• passport;
• international passport, driver's license, pensioner's ID or pension insurance certificate - your choice.

Those who expect to receive more than 301 thousand rubles will need to prove high level solvency by providing a choice of one of the following documents:

• statement from salary or debit account for the last 3 months. Important nuance: this account should receive an average monthly amount that is equal to or greater than the monthly loan payment;
• a foreign passport with notes on travel abroad within the last year;
• registration certificate vehicle, and foreign cars must be produced less than 7 years ago, and domestic cars - less than 5 years ago;
• CASCO policy, the amount of coverage for which exceeds 5 thousand dollars;
• valid VHI policy;
• certificate of state registration of real estate for the borrower.

How does a loan apply?

You won’t be able to receive funds online, that is, without leaving your home. You need to come to the nearest bank branch with documents - in most cases, a passport and another document of your choice. Then:

• fill out a loan application form, if this was not done electronically;
• documents are provided for processing;
• a loan agreement is signed;
• the funds are transferred to the borrower’s card - he can either pay with them by bank transfer or withdraw cash from ATMs.

What methods can you pay for a loan?

There are a lot of options for paying the monthly payment:

1. First of all, you can use the services of Home Credit Bank - pay on the organization’s website, go to your personal Internet banking account. Payments are also accepted at cash desks or you can deposit money through Cash-in ATMs. Only in the latter case do you need a number loan agreement or a barcode for correct crediting of funds.
2. For speedy payment, you can set up an automatic payment from your salary account - the money will be automatically credited to your account to repay the loan.
3. It is possible to transfer funds from accounts in other banks - this can be done, for example, on their websites by entering the loan account number for payment.
4. Payment is also made through various payment systems - Rapida, Eleksnet terminals, QIWI service, and through Zolotaya Korona branches.
5. Can be done postal transfers all around Russia. But again, you need to remember your bank payment details.

Features of the consumer lending program at Home Credit Bank

When applying for consumer loans, clients can:

• receive unsecured loans and not look for guarantors;
• count on quick processing of documents;
• independently choose the date for making monthly payments;
• choose a convenient method for making monthly payments;
• If desired, use insurance.

Advice for borrowers

1. Directly on the Home Credit Bank website you can fill out a form to find out about availability special offers– understated interest rate or additionally obtain a credit card for preferential terms. To do this, you need to go to the “Loans” section to fill out a form indicating your last name, first name, patronymic, gender, date of birth, number mobile phone and email. Customers are also asked to provide a social media account. The response SMS message or email will indicate the conditions under which the loan can be issued.
2. Complete paperwork is possible only at the Home Credit Bank branch. But to save time, you can complete your application online on the website credit institution. The same data is filled out in the form as for receiving a special offer from the bank. Unless you need to indicate an account in electronic networks, but you must agree to receive information from the BKI and process personal data.
3. You should always remember the deadline for making monthly payments. Because if payment is delayed, a penalty will be charged. Moreover, if funds are deposited through bank services - cash desk, online banking, website, then you can pay, if not for instant crediting of funds, then certainly on the day the payment is made. If money is deposited through other payment systems, then you need an average of 2 banking days for crediting funds.

To obtain a consumer loan at Home Credit bank a minimum of documents and time is required. Let's look at the features of the programs and the online application form in 2019.

Home Credit Bank loans

In 2019, the bank offers five programs:

• loan for repairs;
• cash loan for any purpose;
• to buy a car;
• for pensioners;
• refinancing.

Programs differ in terms and conditions.

Thus, as part of a loan for repairs, up to 1,000,000 rubles are issued at an interest rate of 9.9% for a period of up to 5 years. No collateral or guarantors are required, and all borrowers are offered a bonus - discounts of up to 10% from partner companies. The decision on a submitted loan application is announced instantly to existing bank clients, and to new clients within a few minutes.

A cash loan for any purpose, in addition to an instant solution, provides for the transfer of a loan issued by a bank to a card of any bank. Money is provided in the amount of up to 1,000,000 rubles with a repayment period of up to 5 years. Annual fees depend on the amount and term. The minimum tariff is 10.9%.

A targeted loan “For the purchase of a car” is also issued in cash on the day of application. Home Credit does not place restrictions on the model, make and age of the purchased vehicle, which distinguishes the program from similar offers in third-party financial institutions. The possibility of waiving Casco and placing a lien on the purchased car is also attractive. Another plus is that you can consider not only options with dealerships, but also used cars sold by individuals. Maximum amount loans - 1,000,000 rubles, term - up to 60 months, rate - from 10.9%.

Pensioners under the age of 70 are offered preferential conditions:

• per annum - from 9.9%;
• pledge and surety are not required;
• repayment - in 5 years;
• maximum limit - 1,000,000 rubles.

Home also offers refinancing for up to 3 loans and cards with a rate of 11.9%. As part of on-lending, up to RUB 1,000,000 is available. with payment over 5 years, and additionally you can take up to 500,000 rubles. for personal needs.

It is worth noting that the currency in which the loan can be provided is Russian ruble. Home Credit does not issue loans in foreign currency.

We will calculate a cash loan for any purpose under the following conditions: loan amount -115,000 rubles; term -1 year or 12 months; percent, set by the bank- 10.9% per annum. The calculator presented on the Home Credit Bank website allows you to see that:

• monthly payment amount - 10,163 rubles,
• the overpayment for the year will be 6951 rubles.

This example illustrates well the real interest rate. According to the given parameters, it is 6.04% per annum, and not 10.9%. The bottom line is that the interest is calculated on the balance of the debt, which decreases monthly.

Requirements for clients

Requirements to potential borrower fairly standard:

• age from 22 to 70 years;
• presence of a main place of work with official registration;
• length of service at your last place of work from 3 to 6 or more months, depending on the loan amount;
• availability of permanent registration at the location of the bank's offices;
• positive credit history either.

In addition to the above, the client must have a valid passport of the Russian Federation.

To increase your chances of getting a loan, you can inform and additional documents:

• SNILS;
• international passport;
• driver's license;
• pensioner's ID.

How to apply in the office and online

You can submit an application at a bank office in Moscow (or another city) under the offer of Home Credit. In this case, you must provide a package of documents and fill out an application form. The questionnaire contains basic information about the client, his credit history, documents, as well as information about work and contact phone numbers.

Please note that the bank reserves the right to request additional documents. This often happens when applying for a loan in excess of 300,000 rubles. As well as contact numbers. They will not be liable under the loan agreement, but in unforeseen situations the bank may turn to these persons to find the borrower.

Since 2015, Home Credit Bank allows clients to submit an application online. Such an application through the official website is more of a trial nature, since it contains only contact and passport information about the client. The scoring service of a financial institution checks the client for negative banking history. If the borrower previously had problems with repaying debt amounts, then such an application will be refused, and this will significantly save time for both the borrower and the banking specialist. Only current clients of the financial institution can immediately receive approval upon request and sign an agreement online, while “newcomers” need to visit the office to conclude a transaction.

Loan insurance

The bank offers insurance from partners in two options: “Combo+” and “Active+”. The client has the opportunity to choose an insurer to ensure his financial security. It is worth noting that insurance is not mandatory, but plays a big role in approval of the application. Therefore, the specialist always includes it in the cost of the loan.

The amount of the insurance premium is determined based on the loan amount; in general, it is 3,000 rubles per year. Insurance must be taken out only for the first year of using the loan, even if it is expected to be repaid within 5–7 years.

In some cases, the bank may approve the application without insurance. These include:

• regular customers,
• clients receiving wages to a bank account.

Important: Cancellation of insurance can be made within 14 days from the date of conclusion of the contract. You need to contact the bank with an application, and a specialist will recalculate the payment schedule, reducing the loan amount by the insurance amount.

Thus, consumer loan from Home Bank is quite convenient. Regular customers receive greater benefits, but the annuity calculation of payments allows you to pay the rate on the balance of the debt, which significantly affects future overpayments.

Consumer loans are the optimal solution for financing individuals. The need for money appears often, and it is not always possible to borrow it from friends and relatives. Home Credit Bank offers consumer loans. Reviews show that people there have optimal conditions for borrowing money. You just need to familiarize yourself with the requirements and features of the transaction.

Consumer loans help meet people's everyday needs. They are issued against goods and in cash, and are also transferred to bank cards. They are issued in many banks in the country.

About the bank

Actively develop on Russian market The bank has been established since 2004, when branches were opened in many regions of the country. Each branch has the opportunity to obtain loans and borrowings. Moving from the principles of operation of MFOs, the institution entered into a regular banking structure, due to which the scope of its activities expanded. Since 2007, the bank, which has a license, began to attract free finance from the population by opening deposits. This is how auto and mortgage lending began to develop.

During the crisis, which peaked in 2009, the programs of many banks were closed, but Home Credit still issued loans to ordinary citizens. This brought great success to the institution. After the crisis, this banking holding company became one of the largest. Now his clients are legal entities and individuals.

Working with individuals

Home Credit specializes in lending to individuals. There are several directions, so clients can choose any program they need:

1. Quick receipt of funds. For example, you need money for everyday needs, but there are no personal funds. Then “quick money” lending will help eliminate this problem.
2. Apply for a loan for education, treatment, management Agriculture, purchasing housing. The debt will take several years to repay.

There are 2 types of loans for current needs:

1. For goods. An agreement is drawn up, which specifies monthly payments. Such loans are issued at Eldorado.
2. Cash secured by property.

Lending terms

To obtain a loan, you need to contact Home Credit Bank. A consumer loan, the terms of which are acceptable to people, is issued very quickly. You can apply online or by phone. The application must indicate:

1. FULL NAME.
2. Date of birth.
3. Telephone.
4. Email.

It is necessary to tick the box indicating the client’s consent to the processing of personal information, as well as receiving information from the BKI. The decision to issue a loan is made by Home Credit Bank. The consumer loan calculator will help the client calculate approximate payment amounts, but exact data can only be provided after the application has been processed.

Owns Home Credit Bank credit calculator. A consumer loan should be issued after it has been calculated. It is important for the client to know about the conditions, rates, and monthly payments.

Documentation

To apply for a loan, you must provide a passport. Men under 27 years of age will need a certificate from the military registration and enlistment office or a military ID. Additionally, another document may be required:

1. For a car.
2. International passport.
3. Pensioner's ID.
4. Insurance policy.

To apply for a loan, the client must provide a document of solvency. It could be:

• a copy of the account statement, which shows income and expenses for the last 3 months;
• original PTS;
• a foreign passport confirming travel within the last year;
• medical insurance;
• CASCO insurance policy.

Offers from the bank

Home Credit Bank offers several programs. A consumer loan can be issued using any of them:

1. "Big money." Issued up to 500 thousand rubles at 19.9%. The application is considered within 5 days. Loan term - up to 60 months.
2. "Pensioner". Up to 150 thousand rubles are provided at 19.9%. The contract is valid for up to 48 months.
3. Refinancing. It is possible to receive up to 500 thousand rubles at 19.9%. The maximum period is 60 months.

There may be individual offers that Home Credit Bank provides to regular customers. Loans for consumer needs are provided in rubles. Their conditions are detailed in the contract.

Requirements

Requirements may vary depending on the program. But usually clients need to have Russian citizenship, registration, and a permanent source of income. Loans are issued to citizens aged 18-68 years.

Preference is given to clients with a positive credit history, as well as those who contact the bank more than once. Requirements may differ for each program, so you should check them on the bank’s website or office.

Bid

To obtain accurate information on the transaction, you should contact Home Credit Bank. A consumer loan, the interest rate of which may vary for each client, is usually issued from 19.9%. The rate will be individual for each borrower. To find out, you should contact Home Credit Bank. A consumer loan, the interest on which is specified in the contract, is issued quickly.

How long does it take to process an application?

You can get a loan in a short time. To submit an application, it is not necessary to contact Home Credit Bank. A consumer loan is issued by submitting an application online. It is considered for up to 5 days, but usually within a short time. If the decision is positive, then you can visit the bank to sign the agreement.

Loans for goods

Consumers can get a loan for household appliances if they contact large stores. They are also provided for mobile devices, travel vouchers, and furniture. The bank's cooperation with many organizations helped it expand the range of goods that can be issued for a loan.

The registration process lasts about 0.5 hours. The client is offered a term from 3 to 60 months, and the loan amount can range from 1.5 to 850 thousand rubles. To apply for a loan, the borrower must have a stable income and at least 6 months of experience.

Repayment of a debt

You can return funds different ways to Home Credit Bank. A consumer loan is usually paid for using:

• bank cash desk;
• terminals;
• Russian Post;
• electronic systems “Contact”, “Rapida”, “Eleksnet”;
• accounting from work;
• bank card.

Many methods allow you to deposit funds without commission or with minimal fees. To repay the loan ahead of schedule, you must contact Home Credit Bank. The consumer loan will be closed after the application. You need to find out the balance that needs to be paid. This can be done either at the bank or by phone. If you repay early, the client will be able to save on interest, since the amount will be recalculated without taking them into account.

Online repayment

Likeness personal account others banking organizations counts credit office. With its help, you can pay off your debt without leaving your home. The service will be activated automatically when you sign the contract and specify your phone number.

No passwords are needed to visit your personal account. You can visit it after receiving money. The service will be convenient for people who live far from self-service machines. All the necessary information about the transaction is indicated there.

If you are planning to travel abroad, it is advisable to make several payments to your account in advance. The funds will be written off within the period specified in the agreement. But in case of early repayment, you must contact the bank.

Each client has a single account. If there is an overpayment on one loan, the remaining funds are transferred to pay for another. Many clients contact the bank more than once. A client with a positive credit history will have a greater chance of having his application approved, as well as if more than 6 months have passed since the last loan was issued.

Pros of the bank

Home Credit Bank has the following advantages:

• fast processing;
• flat rate;
• no collateral or guarantors are required;
• funds are issued without commissions;
• the client has the opportunity to choose the repayment date;
• several payment methods;
• insurance connection.

You can find a large number positive feedback about the bank. Many clients trust this institution, registering with it profitable loans. Borrowers are satisfied with the absence of commissions, as well as reasonable rates. It is enough to pay the debt on time, and then the bank will offer favorable terms of cooperation.

Advantages and disadvantages of consumer credit

Before applying for a loan, you should evaluate the pros and cons of such a transaction. Due to the following advantages, consumer loans are chosen by many people:

1. Stability. Clients can be confident in the establishment as it has been operating for many years.
2. Available rates. They are determined by the type and term of the loan, and also depend on the collateral.
3. Early payment service. There are no fees or penalties for early deposits.
4. There are no hidden fees.
5. The terms of cooperation are simple.
6. The loan calculator allows you to calculate the rate monthly payment based on your income.
7. Continuous assistance to clients via telephone helpline.

But consumer lending also has its downsides. Not everyone is provided with large amounts, since everything depends on income. Consumer loan is in a simple way purchasing a necessary item or service. But a considerable amount is overpaid for this. Therefore, you need to think carefully before signing a contract.

Requirements for clients

So that you can easily choose a consumer cash loan from Home Credit Bank, we advise you to familiarize yourself with the requirements for clients. A citizen of the Russian Federation from 22 to 70 years old, who has a permanent source of income, which he can confirm with certificates, can apply for borrowed funds; his work experience at the last/current place of employment must be at least 3 months. In addition, when issuing a loan, Home Credit checks the borrower’s history - if previous loans were in arrears, a new one will most likely be refused.

In 2019, there are more chances to get a Home Loan loan for favorable conditions have borrowers who can document their solvency or are willing to use valuable property as collateral or a guarantee. Providing liquid assets and guarantees from third parties reduces the risk of non-repayment of money, so the loan approves applications from such clients more readily, and can also provide a loan on favorable terms - with a reduced interest rate.

How to choose the best offer?

The most convenient way to choose a loan is Home Credit individuals using an online search engine (located in the upper left part of the site). In the menu, you can set the parameters of the required loan - its amount, repayment period, select additional conditions, such as the time for consideration of the application, the use of collateral/guarantee, participation in special programs. Best deals are at the top of the list. Before taking out a loan from Home Credit Bank, compare the various options and choose the best one.

Online application

By clicking on the tab for the offer you like on the Vyberu.Ru website, you will be redirected to the official website credit organization. On the right side of the card there will be a “Submit Application” button. By clicking on it, you will find yourself on the page of the bank itself, where you will need to fill out an online form, indicating your personal, including passport, and contact information. Next, you will need to consent to the processing of information and submit a request for review. This is only the first stage to take out a loan from Home Credit Bank - an online application does not mean concluding an agreement, so if you change your mind, you can always refuse. Information about the decision taken will be sent to you via SMS to the phone number you specified in the application form. If your application is approved, you can apply for a Home Credit loan at any bank branch. You will be able to ask the manager of the organization all the questions you are interested in regarding the terms of loan repayment, including where and when you would like to receive the money. Borrowed funds can be issued in cash at the office or transferred to bank card. You will have to visit the bank office to sign the agreement in any case, even if you have chosen to have funds credited to your existing account.

Loan repayment methods

To repay the loan, you can use electronic payment systems, ATMs, non-cash remittance, deposit cash at the cash desks of Home Credit Bank, as well as at the branches of the Federal State Unitary Enterprise "Russian Post", payment terminals. One of the options for automatic payment may be a transfer through the accounting department at your place of work.

Early repayment

If you plan to repay a consumer loan from Home Credit Bank ahead of schedule, this can be done profitably during the period of payment of the bonus amount. In this case, if you pay off the loan prematurely, the interest rate can be recalculated - and you will save certain cash. Fine for early repayment There is no consumer credit.

The convenient loan calculator Vyberu.ru will help you calculate until what period the interest rate is repaid, and when the “body” of the loan begins to be repaid (early closure in this case no longer provides any benefit). To use it, click “Detailed calculation” in the loan card. A payment schedule will open taking into account the amount and repayment period of the loan. Monthly payments will be represented in certain shares - in ruble and percentage terms. The diagram shows the Home Credit consumer loan “in cross-section”: you can see which part goes to repay the interest rate and represents an overpayment on the loan.

Home Credit Bank has chosen the main area of ​​activity customer credit. In this regard, lending programs have been developed that meet the needs of most borrowers.

Home Credit Bank was founded in 1990 in Zelenograd and was named “Technopolis”. Subsequently, the bank was purchased by the Czech company Home Credit Finance A. S., and the main direction of its activity was consumer lending.

It is not difficult to obtain a consumer loan from Home Credit Bank, but this does not affect the degree of its profitability for the consumer.

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Requirements for the borrower

To become a consumer credit products from Home Credit Bank, the client must satisfy the following conditions:

• citizenship of the Russian Federation;
• age from 23 before 69 years;
• registration and permanent residence in the region where the loan was issued;
• sufficient regular income.

Programs

Home Credit Bank offers borrowers several offers from the line consumer loans. They all have their characteristics, only the interest rate remains the same - 19.9% ​​per annum.

Big money

Consumer loan “Big Money” from Home Credit Bank is a great opportunity get a good amount borrowed money for a period of up to five years.

Basic conditions for this product:

• loan volume - up to 500 thousand rubles;
• loan term - up to 5 years.

The main document that will be required when applying for a loan is a Russian passport; additional documents can be a driver’s license, a Pension Insurance certificate, or an international passport.

Home Credit Bank employees will necessarily require documentary evidence of the borrower’s solvency.

You must select one document from the list:

• salary account statement for 3 months;
• vehicle passport, the age of which does not exceed five and seven years for a domestic and foreign car, respectively;
• VHI policy;
• CASCO policy;
• a foreign passport with a travel stamp for the last year;
• certificate of ownership of the property.

All male persons under the age of 27 years old, must provide a military ID.

Only those clients under 65 years of age can receive a loan under this program.

Pension

Unlike other offers from Home Credit Bank, every borrower can become a user of the Pension Loan until they reach 70 years.

In order to use this service of a credit institution, it is enough to provide a passport and pension certificate.

Also distinctive features of this loan are:

• period - until 4 years;
• volume of funds provided for use - up to 150 thousand rubles.

Despite the limitation on the amount of borrowed funds, such a loan is widely popular due to its simplified registration scheme.

Refinancing

Here you can refinance any loan taken from another financial institution in the amount of up to 500 thousand rubles for up to 5 years.

Refinancing can be used for savings purposes, since Home Credit Bank issues loans at more low rates than the market average.

In addition, the loan term may be extended, which will reduce the borrower's monthly loan burden.

For the purchase of goods

A consumer loan for the purchase of goods from Home Credit Bank provides the opportunity to purchase a wide range of goods - from household appliances and mobile devices to vouchers available for purchase at travel agencies.

Cooperation with many companies has allowed the bank to create a wide range of products that can be purchased on credit.

The entire procedure for obtaining such a loan takes about half an hour, the main features of the offer are as follows:

• repayment period - from 3 before 60 months;
• possible amount - from 1,5 before 850 thousand rubles;

To get a loan for the purchase of goods, the borrower must have a stable income and work experience at the current place of work - at least six months.

comparison table

How to take

Anyone can become a Home Credit Bank borrower. To get a consumer loan in cash, you need to visit the organization’s office and submit an application. The application must be supported by the appropriate package of documents.

The next step is to wait for the bank's decision. If it turns out to be positive, all that remains is to receive the funds in cash at the cash desk.

Getting a loan to purchase goods is also quite simple. To do this, you should choose any product from the range of companies cooperating with Home Credit Bank and contact a loan specialist on the spot.

Such an application will be considered within 30 minutes, and the goods can be picked up after signing the loan agreement.

Repayment methods

Like most lending organizations, Home Credit Bank strives to ensure the availability of the majority modern methods loan payments for its borrowers.

Advantages and disadvantages

Despite the high level of popularity, the line of consumer loans from Home Credit Bank is characterized by both positive and negative aspects.

Among the undeniable advantages are:

• ease of design;
• uniform interest rate on consumer loans at Home Credit - 19,9%;
• acceptable age limits;
• a wide range of goods that can be purchased on credit;
• a large selection of repayment methods, including commission-free;
• long term;
• a large amount (compared to other offers in the field of consumer lending).