For those who have been looking for a bank for a long time where they can take out a loan to buy a car on favorable terms, Home Credit Bank is the best option. This international bank provides absolutely all types of services for clients, both corporate and individual. You can apply for a loan at any bank branch, one of which is located on Avtozavodskaya.

The main tasks that Home Credit Bank sets for itself are to find an individual approach and quickly meet the expectations of each client, and for the convenience of choosing a suitable loan, there is a loan calculator on the bank’s website.

How to apply for a car loan at Home Credit Bank

Conditions for providing a car loan at Home Credit Bank:

• loan rate from 18.9%;
• the loan is provided for an amount not exceeding 500 thousand rubles;
• loan term no more than 5 years;
• possibility of early loan repayment;
• optional CASCO;
• borrower age 21-64 years;
• from six months of work experience;
• registration at the bank's location;
• proof of income.

Applying for a loan today is distinguished, firstly, by its simplicity, since it is not necessary to collect a large number of certificates, secondly, by its speed, since a decision on the application can be made literally in one day, and thirdly, by its convenience, thanks to the presence of such a bank services such as an online calculator.

In order to register a car as collateral, the following conditions must be met:

1. Provide the following documents to Home Credit Bank:
   • PTS, with information about the registration of the vehicle;
   • confirming document regarding the location of the car in the client’s property;
   • vehicle registration certificate;
   • if the client is married, then a marriage certificate.

   All documents must be originals.

2. Conclude an agreement with Home Credit Bank if the vehicle is accepted as collateral, as well as a positive assessment of the car.
3. Automatic interest rate reduction.

For those who have been looking for a suitable loan offer for a long time, the car loan offered by Home Credit Bank is the best option.

Home Credit Bank offers customers car loans with a fairly large selection of loan programs, each of which has its own conditions, plus the client has a loan calculator at his disposal to choose the most profitable one.

Loan programs for purchasing a car

A car loan from the institution Bank Home Credit "Automania" is a new service. The client can apply for a loan in the amount of up to 500 thousand rubles, for 4 years and with an interest rate of up to 29.9%. The product allows you to purchase absolutely any car. After 9 months, the borrower has the right to register the car as collateral, which results in a reduction in the rate to 18.9%. The advantage of this offer from Home Credit Bank is that it is not necessary to obtain insurance, the presence of guarantors and the absence of commissions.

It is possible to repay the loan early without penalty. Although this is only possible if the refund amount at that time is more than 30,000 rubles. According to the terms of the program, citizens of the Russian Federation, not younger than 25, but not older than 64 years old, living in the area where the branch of the banking institution is located where the loan will be processed can apply for a loan. A prerequisite is registration (permanent), plus a stable income. To obtain more detailed information regarding payments, you can use a service such as a loan calculator.

For the purchase of an exclusively new car, the bank offers “Classics” in the amount of 1-1.5 million rubles. There is the possibility of purchasing a car, both ours and a foreign one. The loan can be issued for no more than 5 years, with an advance payment from 10 to 50% of the cost of the car and with a rate of 14.9%, which directly depends on the amount of the down payment, as well as the insurance program chosen by the borrower. A decision on the application is made within a maximum of 3 days. The calculator will help you more accurately determine the terms of the loan product.

Home Credit Bank does not impose a mandatory condition on clients regarding the registration of a CASCO policy; in this case, the choice is theirs. However, it is worth noting that when taking out insurance, the loan rate is reduced by 2%, as a result of which its size will be about 14.9-16.9% per annum. If the client makes an advance payment of at least 50%, the rate will be the same as for the minimum. Repayment of a car loan under this program is interest-free, that is, the client can pay off the loan ahead of schedule without penalties.

If you need money to buy a car as quickly as possible, you can use the Express credit program. In this case, the decision to apply for a loan is made literally in 1 hour. The terms of provision are practically no different from the previous offer: this is an interest rate that is 16.9-18.9% per annum. If the borrower refuses to apply for CASCO insurance, the percentage increases by another 2. Although the advantage here is the minimum number of documents required to apply for a car loan (passport and ID).

The client of Home Credit Bank can thus choose which car loan suits him best, with or without insurance, respectively, with an increased interest rate or a reduced one. The loan calculator on the bank’s website will help him with this.

The same applies to the timing of the decision and how urgently the money is needed.

Requirements:

• citizenship of the Russian Federation;
• age from 21 to 55 years;
• registration for more than 1 year in the region where the loan was issued;
• 6 months of experience at the last place of work.

Another offer from Home Credit Bank with similar conditions for purchasing a car on credit is the “Used Car” loan product. You can purchase both our and a foreign car on credit. The requirements for a potential borrower do not differ from those presented in previous proposals. The difference lies only in the loan rate, which, in turn, depends on the consent or refusal to issue CASCO insurance. In the first case, it will be 16.9-20.9%, in the second - 19.9-23.9% per annum. The main condition for applying for a car loan is the age of the car, which should not be more than 6 years for our vehicle and 9 years for a foreign one.

The next offer that Home Credit Bank offers for those who want to become the owner of a car is the Automania car loan, which can be obtained by providing the bank with the following documents, in addition to your passport:

1. Additional document confirming the identity of the borrower. This can be either a license (driver’s license, pension), or an international passport, and so on.
2. A certificate confirming income for the last 3 months, certified at work.
3. A work record book, again certified.
4. For men under 27 years of age, military ID.
5. Phone number (cell, home, work or any other).

If there is a need to purchase a car, and you need to do it as quickly as possible, without overpaying, Home Credit Bank is ready to offer the most favorable conditions:

• Home Credit Bank guarantees the prompt provision of borrowed funds with a commission of 0 rubles;
• Home Credit Bank gives the borrower the right to repay the car loan in full or in part at any time convenient for him. In this case, the commission for early repayment will be 0 rubles;
• The procedure for buying a car on credit does not involve concluding a target agreement - you receive money in cash in the amount of 50 thousand rubles to 500 thousand rubles

Home Credit Bank is one of the leaders in the financial market of the Russian Federation. It is among the top five in terms of loans to the population and the number of branches. Home Credit Bank is trusted by millions of people in various regions of our country. The bank's credo is the prompt provision of credit funds on the most favorable terms for the client.

Impeccable service from Home Credit Bank

Our Bank always meets halfway requirements for its clients and is ready to offer any assistance when applying for a car loan. To obtain borrowed funds, the borrower will need:

• Provide the bank employee with all the necessary documents and fill out the application;
• Wait for an answer: if it is positive, sign the agreement. If the answer turns out to be negative, our specialist will always be able to offer the client an alternative option;
• Receive funds into your account.

To contact bank employees and get a loan, please use the following

The main direction of the company's financial activity is issuing loans for various purposes to individuals. The organization began its work in 1990, a little later experienced its secondary formation and began to effectively develop other numerous areas of the institution. Modern clients of the organization are given the opportunity to obtain such a profitable loan as a car loan in. This offer offers the most favorable loan conditions, and the requirements for clients are quite acceptable.

Numerous clients of financial institutions note a large number of advantages characteristic of this form of profitable lending. Among them, the following important points can be noted:

1. A loan for the purchase of a car is issued strictly to the applicant. It is not required to provide documentary evidence of the special intended use of the amount received.
2. The organization issues a simple consumer loan, in which only timely payments are important.
3. The selected car is not taken as collateral by the bank, that is, its new owner has the right to dispose of it at his own discretion - exchange, sell and donate.
4. The absence of any requirements for the car, its technical characteristics, installed alarm system, as well as mileage and date of manufacture.
5. Complete absence of down payment.
6. The car can be purchased both in the showroom and from an individual.
7. Reduced loan amount based on the absence of the need to take out a CASCO insurance policy.

A submitted loan application is processed very quickly, taking no more than a couple of hours. There is no need to collect a huge amount of paperwork to assess the borrower’s financial level and other individual conditions.

The only drawback of this form of lending can be considered a slightly increased rate and the total amount of overpayment. This is special compensation to the organization for the likely occurrence of risks.

Loan programs for purchasing a car

Funds for purchasing a car can be obtained from a bank using different methods. The approved amount can be transferred to the card or a credit transaction with cash transfer can be carried out. The cash loan option is more convenient, since credit cards can be issued for an amount less than planned and at a slightly higher interest rate. Cash can be obtained in the amount needed to purchase a car and under fairly favorable lending conditions.

There are two main programs to choose from for loans such as car loans, each of which is characterized by its own individual conditions. Here are the main conditions for each of them:

• New clients have the right to count on an acceptable amount of approximately 30 to 500 thousand. You can rent them for a period of time from 12 to 60 months and work with them at a rate of 29.9%.
• Regular clients are given the opportunity to borrow funds in the amount of 10 to 850 thousand for a period of 12 to 84 months. The percentage may be equal to 19.9%.

The credit interest rate directly depends on the total amount, on its time period, as well as on the credit history of the borrower applying for support and his relationship with the organization. On average, the loan interest ranges from 21.5 to 42%.

In all cases, the time spent considering the submitted application does not exceed one hour. There is no need to provide guarantors, and there is always the opportunity to repay the loan before the due date.

How to get a car loan from Home Credit Bank?

To apply for a car loan at Home Credit, you need to ensure compliance with certain conditions and requirements that the borrower must meet. Among the most important of them are:

1. Citizenship of the Russian Federation.
2. The borrower's age is from 18 to 68 years.
3. Permanent or official temporary address registration in the city where the office is located.
4. Having an ideal credit history.
5. Source of official income.

You also need to provide a certain package of papers, the list of which directly depends on the amount being drawn up. If you plan to take out a loan in the amount of up to 300 thousand, it is important to provide a civil passport and an additional document - a driver’s license, SNILS or a standard international passport.

If a potential borrower plans to take out an amount of more than 300 thousand, documents that confirm the general solvency of the client can be provided as an addition. These may be documents such as:

• Foreign passport with travel records for the last three years;
• Official salary statement for three months;
• Papers for the car and CASCO policy.

The latest documents for the vehicle are not required, but they will allow you to reduce the interest on the loan and the loan amount.

Car loan at Home Credit Bank: calculator

To apply for a loan before applying for it, you should first visit the resource of a financial institution, carefully study all the promotions presented to your attention and offers specially developed for clients, and you can also use a calculator.

On one of the bank’s pages there is an online calculator, with which you can calculate on your own the total amount of the loan, its duration, the amount of the monthly payment, as well as interest and the amount of overpayment.

Using a similar function, you can choose a loan tariff as reasonably as possible and, with the chosen form of profitable lending, contact the office of a financial institution to draw up an official agreement.

If your application has been pre-approved, you will need to obtain the required amount of funds and purchase the car. You can receive funds to purchase a vehicle in different ways:

1. Cash that can be obtained when registering a loan with a financial institution;
2. Money transfers to an account at home credit bank, which is possible both during a personal visit to the office and when applying for a loan via the Internet;
3. A personal account opened with another financial institution.

Among the listed options, the transfer of funds to a personal account in Home Bank deserves special attention. The advantage here is the ability to make monthly payments without paying interest.

Important! If the bank account was opened quite a long time ago and was not used, during the loan application process it is worth checking whether it was blocked due to uselessness.

Home Credit car loans

Modern Home Credit Bank provides its regular and potential clients with a large number of different financial products, as well as instruments intended for repayment.

Paying the next payment using a bank card and the “My Credit” service application is very popular. The commission in this case will be 0.6-1.3%, it all depends on the type and category of the card and on what interest rates are set.

If you wish, you can use a site where the same commission will be charged for making payments, these are the conditions. To carry out payment transactions, users are given the opportunity to use the bank’s personal account, where the process of applying for a loan is clear on an intuitive level.

Summing up

You can repay an issued car loan in different ways, and most of them do not involve charging a commission. All this shows that cooperation with Home Credit Bank is not only profitable, but also very convenient. Low interest rates, as well as a high level of service, allow you to use borrowed funds with maximum comfort.

On this page, the portal user can get acquainted with car loans that can be obtained from Home Credit Bank. In the list of offers, the site visitor has access to brief information on each product: maximum term and amount, interest rate, minimum down payment. Inside the card of each program you can see detailed current conditions for obtaining a loan. Including the financial institution’s requirements for a potential borrower: age, work experience, place of permanent registration, as well as a list of documents to be provided. In order to understand whether you have the opportunity to take out a car loan at this rate, you need to carefully read the above parameters. If there is a “Leave a request” button next to the program description, the user can save his time by using this service. When a client submits an application online, the bank communicates a preliminary decision by telephone.

Home Credit Bank is one of the leaders in lending to the population of the Russian Federation. You can get a loan not only at a bank branch, but also at various shopping centers (targeted loans for the purchase of certain goods), and car dealerships.

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How to get money to buy a car, and what documents you will need for this, read on.

About the bank

Home Credit Bank was founded in 2002 and by the beginning of 2019 it had gained wide popularity. Thanks to the availability of loans and other offers, the bank’s clients currently include more than 30 million people.

In addition to issuing loans, the bank is engaged in:

• servicing current accounts of individuals and enterprises;
• servicing cards, including salary projects;
• work with deposits;
• insurance.

Bank branches and sales points of banking products are located in more than 2000 cities of Russia.

Conditions for car loans at Home Credit Bank

The main programs offered by the bank are:

• a loan issued in cash. The borrower can spend the money received at his own discretion, including on the purchase of a car;
• targeted loan for the purchase of a specific product (furniture, household appliances, clothing, etc.). You cannot purchase a vehicle under this program.

Thus, an analogue of a car loan at Home Bank is a credit program that involves the issuance of borrowed funds in cash.

A loan from Home Bank is issued on the following conditions:

The loan is issued exclusively in Russian rubles. It takes the bank approximately 1 hour to review the application.

The advantages and disadvantages of car loans at Home Credit Bank can be determined by the following factors:

• quite high interest rate. The Bank does not participate in the preferential car loan program and cannot offer its clients more favorable conditions;
• when receiving funds, there is no need to pledge a car, which leads to the possibility of independent disposal of the purchased property;
• purchasing a CASCO policy is also not a prerequisite. The need for additional car insurance is determined by the client independently;
• no down payment;
• You can purchase any vehicles or special equipment;
• the bank does not charge a commission for issuing borrowed funds;
• The bank provides many different ways to pay off debt.

What documents are needed

Individuals can receive a loan to purchase a car if the following conditions are met:

• presence of Russian citizenship;
• registration and residence in the region where one of the bank’s branches is located;
• age – 18 – 68 years;
• having a permanent income;
• having a good credit history.

B, the amount of which does not exceed 300,000 rubles, includes:

• passport;
• second document of the borrower's choice: driver's license, pension certificate, foreign passport, insurance certificate.

If the borrower is a pensioner, then providing the appropriate identification is mandatory.

To obtain a loan in the amount of more than 300,000 rubles In addition, proof of income is required.

Such a document can be:

• current account statement;
• CASCO policy issued for the purchased car.

Additional collateral for the loan can be issued in the form of collateral:

• the car being purchased;
• real estate owned by the borrower.

To draw up a pledge agreement, you will need documents confirming ownership:

• PTS (if the collateral is a vehicle);
• registration certificate (if the collateral is real estate);
• purchase and sale agreement, gift agreement, certificate of inheritance.

The document confirms the legality of the transfer of ownership of the pledged item.

Registration procedure

Main stages of registration from Home Bank:

1. Preliminary. You can make the calculation using an online calculator in two ways:
   • based on the amount and term of the loan;
   • based on the loan amount and the desired monthly payment.

   For example, with a loan amount of 300,000 rubles issued for 3 years, the monthly payment will be 12,381 rubles, and the total overpayment on the loan for the entire period of use will be 145,716 rubles.

   

2. Submitting an application for borrowed funds. You can submit an application at the bank office or online. To do this, you must indicate in the form provided:
   • Full name and gender of the borrower;
   • date of birth;
   • passport details;
   • mobile phone number and personal email address for communication.

   

3. The received application is reviewed by bank employees for a maximum of 60 minutes, after which the decision made is communicated to the potential client.
4. To draw up a loan agreement, the borrower must personally contact the bank’s office and provide the originals of the documents requested by the credit institution.
5. After concluding the agreement, funds in the amount specified in the loan agreement are credited to the borrower’s account and can be used for any purpose.

How to pay off debt

Debt repayment is carried out according to a special schedule, which is an annex to the loan agreement.

Debt payment can be made in the following ways:

• online on the bank's website. Depending on the payment system of the card, the amount of the additional commission is determined. For Visa cards the commission is 1.3% of the transfer amount. For Master card – 0.6%;
• online from your personal account in the Internet banking system. No commission is charged;
• through the “My Credit” service. The size of the commission is similar to the size when paying on the website of a credit institution;
• through Cash-in ATMs owned by Home Credit Bank (no commission is charged);
• through the cash desks of any banks. The size of the commission depends on the tariffs of the credit institution;
• automatic transfer from a salary card serviced by the bank;

This service is available exclusively to bank clients. To automatically replenish a credit account from a debit salary card, you must personally submit an application to the bank to write off funds.

• through the Golden Crown services. The commission for transferring an amount less than 5,000 rubles will be 50 rubles. When transferring a larger amount, the commission will be calculated as 1% of the transfer amount;
• at the Russian Post office. To make a payment, you must know the bank and credit account details;
• through the Rapida payment system;
• through terminals of the Eleksnet system;
• funds from the Qiwi electronic wallet.

Each borrower has the right to independently choose the most convenient way for him to pay the debt under the loan agreement.

The main thing is to transfer funds without violating the established payment deadlines, since for late payment the bank will charge a penalty in the amount of 0.2% of the amount of the resulting debt.

Penalties will be accrued daily until the amount of money required to repay the debt is credited to the borrower's credit account.