Home credit bank credit products. Review of credit offers of home credit bank. Credit for the purchase of goods

The range of Home Credit and Finance Bank services is constantly expanding, which makes it much closer to its customers. In addition to standard commodity, consumer and revolving loans, services such as deposits, car loans, individual safety deposit boxes, and mortgage programs allowing you to purchase your own home. Also in all more or less large cities Home Credit Bank branches began to open, where you can get information on services, printouts on the status of bank and deposit accounts.

Home Credit and Finance Bank Bank actively promotes its own services by opening points of express-issuance of loans. All that the borrower needs is to express his desire in the form of an application form, which contains the data of the person to be credited. Enrollment Money carried out to the opened or existing account of the borrower. Home Bank loan is paid in equal installments, within a certain period. Wherein Bank Home The loan does not require a guarantee from third parties. To apply for a loan, you will need a standard package of documents: a passport, a second document (from the current list, which can be found on the official website of Hom Credit Bank), as well as one of the documents confirming the solvency of the applied client. Home Credit Bank addresses can be found on the same official website, as already mentioned, they are in most cities. In addition, large shopping malls and in places with high traffic there are so-called “quick service counters” where you can get a loan from Home Bank.

In addition to consumer lending products, Home Credit Bank offers individuals deposit services. Interest rates on deposit products can be called high, especially if the amount of the deposit is also high enough. Comparing deposit programs with products of other banks, interest rate and general terms and Conditions the provision of deposits looks more than attractive.

An important specialization Home Credit bank is issuing credit cards... They are very popular all over the world due to the possibility of opening a revolving credit line. The official website of Hom Credit Bank allows you to make a preliminary application for a card without leaving your home. Subsequently, the card can be delivered to the nearest branch, from where it can be collected after signing loan agreement... Detailed information about the cards can be obtained by calling the Hom Credit Bank telephone number, which is published on its official website. The line operates around the clock.

• Branch address: Kolomna (Moscow region), Vokzalnaya, 7 map
• Branch phones:
• Working hours:

Korneeva, 1a

• Branch address: Domodedovo (Moscow region), Korneeva, 1a map
• Branch phones: 88007008006 [round-the-clock unified inquiry], +74957858222 [paid hot line- Mon-Sun round the clock], +74996432985
• Working hours: Mon-Sat: 09:00 - 20:00, Sun: 10:00 - 20:00

Lenin, 16

• Branch address: Lobnya (Moscow region), Lenina, 16 location map
• Branch phones: 88007008006 [round-the-clock unified inquiry], +74957858222 [paid hotline - Mon-Sun round the clock], +74995570455

• Branch address: Yegoryevsk (Moscow region), Sovetskaya, 107 map
• Branch phones:
• Working hours:

Home Credit Bank is one of the leaders in the consumer lending market. It provides cash loans, credit cards, and other types of consumer loans to clients for up to five years. The big advantage of this bank is the high level of approval of applications. That is why many turn to this very place when money is urgently needed. Do you want details of lending in this bank? Read on.

Cash loan from Home Credit Bank

Home Credit Bank is a recognized leader in the retail lending market. In fact, this bank has a little credit products, but they are enough to meet the needs of the population. One of the most popular is a cash loan for personal use. Here you do not need to report to the bank on how exactly you intend to spend money, but you can get approval in 1 day.

Conditions for receiving this loan the following:

• The maximum amount for bank clients is 850 thousand rubles, and for new clients 500 thousand rubles.
• Consideration time loan application up to 2 hours.
• Loan term for regular customers up to 84 months and for new ones up to 60 months.
• Interest rate from 14.9% per annum.

Money is issued only in national currency... To apply for a loan, you must meet the following conditions:

• Russian citizenship.
• Registration in the territory of the bank.
• Having a permanent source of income.
• Age from 21 years.

If you previously had problems with making planned payments according to the repayment schedule, then I recommend reading where you will find information about the possibilities to get a loan, even with a bad credit history.

Benefits of obtaining a cash loan at Home Credit Bank

This bank has the following advantages:

• Fast consideration of the application.
• There is no need to provide collateral and guarantors.
• There is no issuance fee.
• Insurance registration.
• There are many ways to pay off.
• The ability to independently choose the date of the planned payment.
• The minimum number of documents.

On the site you can calculate the loan. The loan calculator allows you to independently calculate the cost of a loan, and also allows you to understand exactly what amount the bank can approve. This is a handy tool that can help you to calculate your strength in advance so as not to be late.

Credit for the purchase of goods

Typically, these loans are issued in various stores. That is, if you do not have the required amount, you can apply for a loan right in the store. Home Credit Bank has several types of products for purchasing products, namely:

• Loan without overpayment.
• Overpayment loan.
• Concessional loan.

Regardless of the program you choose, the processing time for the application will be minimal. Moreover, in most cases the application will be approved. It is one of the few banks where approval for these products can reach 90%.

Loan without overpayment

On the website http://nsk.homecredit.ru/loans/loans_pos.php you can see in which stores it operates this program... You have the opportunity to purchase furniture, electronics, household appliances, jewelry and even clothes by applying for a deputy right in the store.

The loan conditions are as follows:

• The maximum amount depends on the store, but does not exceed 500 thousand rubles.
• Down payment 0% -50%, depending on the store.
• The term of the loan agreement is up to 2 years.
• You need to take out insurance.
• Interest rate up to 26.77% per annum.

It should be noted that the rate directly depends on the size down payment and the term of the loan agreement. Thus, you yourself decide what exactly the conditions for obtaining a loan will be.

Overpayment loan

This type of loan is also not valid in all stores. The list of partner stores can be found on the official website of Home Credit Bank. This is the perfect option to buy the product you need without delay. The loan conditions are as follows:

• The maximum amount is 300 thousand rubles.
• The maximum loan term is up to 36 months.
• Down payment 0%.
• Interest rate up to 29.9% per annum.

It should be understood that you can use this program ONLY in partner stores. In the mode online application can not be served. But you can use in advance credit calculator, in order to understand what the planned payment will be when registering a particular amount.

Concessional loan

A concessional loan consists in providing a reduced interest rate in partner stores of the bank. You can only arrange it in:

• iPort.
• Technopark.
• Technosile.
• Belwest.

This is a company that cooperates with Home Credit Bank on the terms concessional lending... Here you can apply for a loan on the following conditions:

• The maximum amount is 200 thousand rubles.
• Down payment 0% -10%.
• The need for insurance.
• Interest rate from 10.49% per annum.
• The maximum loan term is 12 months.

If you still have any questions about cash loans and loans for goods, you can ask a question to the operator of Home Credit Bank by calling the hotline.

Credit cards from Home Credit Bank

This bank has enough profitable terms credit card processing. There are three main lines: Platinum, Gold and Eldorado. The latter is specially designed for making payments in this store. Depending on the type of card, a different amount is returned to it in the form of a cash back after the purchase.

There exist following conditions clearance:

• Cash Back up to 10% of the purchase price.
• The maximum interest rate is 33.9% per annum when paying by card and up to 49.9% per annum when withdrawing cash through an ATM.
• Credit limit up to 300 thousand rubles.
• The minimum payment is up to 7% of the amount owed plus the amount of insurance.
• Grace period for crediting up to 51 days.
• Annual service from 990 rubles.

I would like to note that the conditions are quite favorable. Knowing the rates in many other banks, I can assure you that you can easily find credit cards up to 70% per annum with a shorter interest-free period of using the bank's money.

Additional options for loan products

TO additional services bank include the following:

• SMS package. This is a range of services that includes services such as an "SMS package" for credit or debit cards and "SMS-package" for a cash loan or a loan for the purchase of goods, which will allow you to receive information on your card transactions or on your loan agreement on your mobile phone in the form of SMS messages.
• Mobile bank. this is a great opportunity to manage your account from your mobile phone... Make payments without queues and personal presence at the bank.
• Internet bank. another opportunity to remotely manage your account. To do this, you need Internet access and a stationary computer or laptop.
• Insurance. Great way protect yourself from going into delay due to the onset of force majeure.
• Account flow notifications by e-mail.

All these services make it easy to monitor and manage your account from the comfort of your home.

Loan repayment methods

Borrowers can use everything possible ways repayment of loans. These include:

• Payment via ATM.
• Payment through an operator at a bank branch. IMPORTANT: when paying via third party banks a commission is charged and the transaction is completed within 3-5 banking days... Therefore, deposit money in advance.
• Payment from your account via mobile or internet bank.
• Payment through third-party terminals.
• Payment from electronic wallets.

Use exactly the method that is most convenient for you. Remember that payments must be made according to the maturity schedule. In case of incomplete payment or in its absence, penalties will be charged. It will also negatively affect your credit history.

I sincerely hope you found this article helpful. If you have any questions or have various wishes, write them in the comments. Also don't forget to subscribe to my blog. There will be many more interesting things about banks and various loan products.