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When planning to take a loan, you must have information about all the ways to repay it. The easiest option is to pay with a Sberbank card, even if the loan is taken from another bank. Let's consider an example of how to pay a loan at Home Credit Bank through Sberbank Online.

Registration in the Sberbank Online system

You can pay off the debt at Home Bank via the Internet if you have bank card and activated service. Besides the fact that online payment is very convenient, this payment method is different high speed- the money transfer takes place within a few minutes.
Before you can pay a loan at Home Credit Bank through Sberbank Online, you need to register in the system.

How to request a password from your Personal Account

To find out the login to enter, you can do the following:

1. Make a request at a bank branch, presenting a passport to a Sberbank employee.
2. Dial the number of the Contact Center and tell the operator the card number.
3. Use an ATM.

If you request a login through an ATM, this procedure will have to be repeated regularly, because the machine issues a receipt on which it is written one-time password... It is better to get permanent access to the Internet bank in order to save your time.

To register in the system, you must enter your number mobile phone, as well as an identifier. Next, you should come up with and save a password. At the moment of entering the service, a notification will always come to your mobile phone. This security measure warns against intruders.
After entering your Personal Account, information about your cards and accounts will open. Also there you can see the data on the balances Money, the amount of the next payment on the loan and the timing of its repayment.

At the top of the page, bookmarks are displayed with which you can perform certain operations: transfer money to accounts of legal or individuals, transfer from one card to another, fill out applications, repay debt on loans, etc.

Loan repayment - instructions

How to pay off a loan at Home Credit Bank through Sberbank Online? To begin with, go to the "Transfers and Payments" tab, where you need to select "Repayment to another institution" and click on the "Transfers to another bank" item. To speed up your search the right organization, you can enter the TIN of the requested organization. This information is spelled out in the loan agreement.

The procedure for filling in data for payment

IN payment order about the payment of the loan in Home Credit Bank, it is necessary to register:

• current account number;
• terms;
• amount;
• selection of an account for transferring funds.

If the search for an organization is carried out using an identification code, all other data will be entered automatically, according to the information in the Sberbank database.
In a similar way, it is possible to pay for the loan using the agreement number from the Sberbank card. In the "Account" item, the number of the contract itself is registered. The user is recognized automatically.

Payment of a loan at Home Credit Bank from a Sberbank card

To confirm your payment, you must enter and confirm the password that the system sends to contact number... At this stage, payment document that remains on this page. After receiving the money, the confirmation word "Completed" appears on the payment. If necessary, the check can be printed.

Connecting the service of automatic payment of debts

Having learned how to pay a loan at Home Credit Bank through Sberbank Online, you are given the opportunity to set up a monthly transfer of funds in automatic mode. This is possible within the Auto Payment service.

How the Autopayment system works

This service works as follows:

• The day before the next payment is made, an SMS notification will come about the need to repay the debt;
• If the issue of payment is not relevant, you must send the appropriate answer to the bank. If the payment takes place as usual, the message can be ignored;
• Within the specified period, funds are debited from the card and transferred to the account number specified in the application;
• At the end of the procedure, you will receive an SMS notification of a successful money transfer.

To activate the service, go to the online bank and click on the "Auto payment" tab, then select the "Create template" item. After that, the following information is entered into the form:

1. Bank's name.
2. Credit institution account number.
3. Maturity dates and frequency of payments.
4. The amount of contributions.
5. Sberbank card account.

Once the template is saved, it is very easy to make a payment. You only need to have the specified amount of money on the account.

Loan payment via ATM

In a similar way, you can pay with Home Credit using a Sberbank card and an ATM. The translation instruction is similar to the previous one. All the details of the organization are also entered here, and the amount of the contribution is prescribed.

Today, it is relatively difficult to get loans from one or another banking institution, since not all Russians who want to borrow money meet the requirements of banks. If it came out to get a loan, then it is worth knowing that ahead of each debtor a long and tireless process of debt repayment awaits. Loans can be repaid in many ways, both in cash and money transfer through post offices, and online. In particular, according to citizens, paying a loan at Home Credit Bank via the Internet with a bank card is the simplest, fastest and easiest way.

In the framework of our time, debt can be repaid, including those received at the above-mentioned bank, in many ways, most of which are directly related to the Internet.

Through the app

This financial institution, like many other banks, has developed for its clients mobile app"My loan", with which you can not only find out the balance of the loan, but also make a payment on account of its repayment.

You can pay for a loan at Home Credit Bank via the Internet, using a bank card, through the mobile application "My Credit", but only on condition that this same card was previously opened at Home Bank, and not in a third-party institution.

By contract number

Each borrower who received funds in one way or another financial institution has available a copy of the loan agreement, which, in turn, has been assigned an identification number. There are two ways to pay off the debt using the contract number.

1. At the bank branch:
   • contact the cashier;
   • announce the amount of the transfer, provide details for payment and a passport;
   • ask the cashier to indicate the number of the loan agreement in the “purpose of payment” column.
2. Via Qiwi or other terminals:
   • enter the details in the required column;
   • indicate the amount of the transfer;
   • in the field "purpose of payment" indicate the number of the agreement, as well as the exact date when it was concluded.

Through other banks

The main difference between repaying a consumer loan in third party bank and in the Home Bank branch, the commission for the transfer of funds will be higher, and the borrower, instead of a personal card, will need to show the cashier a passport and taxpayer identification code.

When using this method, the period for making a transfer also increases, equating to 3 banking days.

1. Visit a bank branch and contact the cashier;
2. Give him:
   • passport;
   • identification tax number;
   • payment details;
3. Receive a receipt for payment and keep it until full repayment credit obligation to the bank.

Via the Internet by credit card

We are talking about an Internet banking system, by entering into which each borrower will be able to pay off the debt using a bank card. So, in Home Credit, you can pay a loan online by following the instructions below.

By phone

For the sole purpose of protecting yourself and your clients from fraudsters, Russian banks do not provide the ability to carry out any transactions over the phone.

The most that can be done by calling the Home Bank hotline is to find out the amount of the loan balance.

Via terminal

No less convenient and profitable way payment of the loan is the use of terminals and ATMs as owned by Home bank and belonging to various payment systems. It should be noted that the commission for the transfer can reach 1-2% of the amount of the payment.

Ways of payment

Above, the main methods were announced that are designed to repay a loan. Also, payment methods have one more classification - debt repayment with and without commission.

As a client of one bank, citizens can sign a loan agreement with another financial institution... The question of how to pay a Home Bank loan through Sberbank Online is of interest to many borrowers who are clients of Sberbank and have in their use its card products. Let's consider how to form a payment and carry out a transaction to pay off debt.

Online service the bank is the most convenient way to commit different kinds payments

Today, in order to pay a Home Bank loan through Sberbank Online, you first need to get access to the service. This can be done by a client who has even the simplest card or an open account with a given banking institution. The first step is to request an ID. There are several ways to do this:

• At the stage of concluding a contract when opening an account (card) with a manager in a branch.
• With a call to Contact Center ... Having passed the request to the operator, the client receives a digital login to visit the service.
• Through an ATM. By inserting the card into the card reader, you get a series of passwords. They have a one-time service life and are used to confirm actions in the Internet bank. Recommended for inactive users who do not want to get constant access to the service.

The first step to paying off debt through an online service is mandatory registration

How to pay with Home Credit through Sberbank Online?

The step-by-step instruction looks quite simple:

1. Find the item Transfers in the menu.
2. Select from the list of options (between your products, a client of another institution, an individual, an organization) the item Payment for a loan from another institution.
3. Click on the column Loans to the bank by BIK number.
4. In the window that appears, enter the payment details: BIK, account number for repayment (from the agreement with Home), enter your full name, payment amount, phone number and select card product from which to carry out the transaction. There will be a list of all active cards and accounts.
5. In the next window, select a confirmation option. As a standard, it is proposed to do this via SMS.
6. The entered number will receive the code digits.
7. In the confirmation window, you must enter them and click Confirm.

For the correct operation of the payment of monthly payments, you must select the item Repayment of debt in another bank

To pay off the debt, you first need to register in the remote service system. This is done through the website of the service. It is necessary to enter the received identifier and enter the password parameters. The latter is appointed by the client independently. Already in the account, the client sees data on his products: open accounts, card balances, outstanding loan payments, interest on deposits and other information.

Internet banking allows you to perform banking procedures such as transfer, payment, request loan product without personal visits to offices. That is, the client remotely regulates his expenses and receipts and controls the movement of funds, incl. between financial institutions.

Features of making a payment in Home

Video and photo instructions will help you to view the details of the payment. But the procedure is already quite simple and intuitive. After the listed actions, a double procedure occurs: funds are debited from the Sberbank card and credited to the account of the specified banking institution.

After the payment has been made, you can print a check or receipt. The data on all operations are saved in the service and you can always check or view them. It must be remembered that transfers to institutions are subject to a commission of 1%.

Setting up recurring loan payments

Internet Banking has an Auto Pay function. It allows you to set up systematic transfers on a specific day. The service operates on the following principle:

• The day before the payment date, Sberbank reminds you that you need to make a payment.
• If you wish, it is permissible to cancel the transaction via SMS within 24 hours.
• On the indicated date, funds are transferred to Home.
• The client receives an SMS on completion.

A more convenient way is to set up automatic transfers on the right days to Home Bank to pay for the loan through Sberbank Online. To do this, you need to use the Auto payment option. The instruction is as follows:

1. Select the section Connect Auto Payment in the online service.
2. From the list (housing and communal services, mobile connection, taxes) select Loans in another bank.
3. Select Home Credit from the list of institutions (data on BIK and bank details will be filled in automatically).
4. The next step is to choose your card for the transaction.
5. Indicate the number of the account of the loan agreement and personal account in Home.
6. Enter data on payments: date of the next installment, frequency and amount.
7. Confirm.

The Auto Payment service will help the user to avoid late payments and not be in the category of unscrupulous borrowers Each payment will be charged 1% commission.

There are two main ways to pay credit debt other banking institution. Remote service will allow you to completely free yourself from anxiety about delay. You just need to choose a card that will have enough funds on the right days (for example, salary). The first method is suitable for a one-time transaction or if the client makes a payment from different accounts each time.

Let's consider all the ways how to pay off Home Credit. The borrower of this bank can choose anyone convenient for him personally. The bank does not set any preferences. It is only necessary to adhere to the payment schedule received with the agreement and pay the entire required amount on time. It is worth remembering that bank payment it is not always credited instantly, sometimes it takes two or three days.

Today, Home Credit Bank customers have access to both non-cash payment methods and depositing money at the cash desk. Let's name the most popular and give step by step instructions where and how to pay the monthly fee.

The client always has the opportunity to pay the loan at the financial institution itself. To do this, he will need a passport and account number. The algorithm of actions will be as follows:

• come in person to the nearest branch of the HC;
• present your passport at the checkout to confirm your identity;
• inform the cashier of the loan agreement number (if it is unknown, you must first clarify this issue with the manager);
• deposit the amount named by the cashier in cash;
• get your hands on a check confirming the payment.

Important! The advantage of this method will be the speed of crediting money, they will be credited to the account almost instantly. The disadvantage is the small number of HC offices even in large cities.

Holders of HC cards can use ATMs or terminals installed at Home Credit Bank to make payments on the loan. It will not be possible to perform this operation from a card of any other bank. But if the terminal is equipped with a bill acceptor, then it is possible to deposit cash, and the card is not required. The procedure will be as follows:

• insert a card into an ATM or terminal slot;
• enter the pin code, attach the card to the scanner or dial the contract number (depending on the type of unit);
• find the item "Repayment of loans" in the menu;
• enter the amount and deposit cash;
• confirm payment;
• get a check.

Online in your personal account on the Home Credit website. Payment via the Internet from a HC card is free of charge. In addition, Internet banking is convenient because you can use it to repay a loan around the clock and anywhere. The time for crediting funds can take up to two days. The procedure for making a payment is simple:

An application for a mobile phone will allow you to transfer funds from a HK card to a credit account almost instantly. There is no commission for the first two payments. The algorithm of actions is the same as when paying from the site:

• enter a short 4-character password;
• select accounts for debiting and crediting funds;
• indicate the required amount;
• confirm payment;
• keep the receipt until the loan is fully repaid.

Many banks allow loans from other institutions to be paid through their cash desks and terminals. To complete the payment, you will need:

• present a passport to the operator;
• fill out a receipt, where you indicate not only the account number for the transfer of funds, but also all the bank details in full. They can be clarified on the official portal of the HC or by phone hotline(free from anywhere in Russia);
• enter the required amount in the payment document;
• pay the bank's commission for the transfer;
• pick up a receipt with a cash register stamp.

Payment of the amount of debt and interest on it is possible in the terminals of other banks and some electronic payment systems, such as "Eleksnet" or Qiwi. To complete the payment, you must:

Important! The commission is from 1 to 3%. Depositing money is possible only in cash, and the terminals do not issue change. The payment is credited not earlier than the next day, and sometimes it can be delayed up to three days. The Qiwi terminal will also require confirmation of the payment with a verification code from SMS.

At the post office

This organization allows you to pay the loan electronic transfer through the Cyber.Money system. The payer is required to fill out a special form and pay the required amount. The service is paid, the size of the commission can be checked at any post office.

Salary write-off

It is convenient for many to pay for a loan by transfer from wages... It does not matter if it is issued in cash or transferred to a card. Only the addressee of the application for the transfer is changed. If the salary is paid through the cashier, then the accounting department should be asked to transfer funds. But the employer can refuse such a service. If the salary is issued cashless way, then the transfer at the request of the client will be made monthly by the bank that issued salary card.

To replenish your credit account, you can use Internet banking from Sberbank. Payment is made from personal account from the card account. The procedure is as follows:

• log in;
• select in the menu "Transfers and payments" the item "Repayment of loans from other banks";
  
• select a payment by BIC and enter the corresponding details;
  
• indicate the amount, contract and account numbers, your personal data in full;
• confirm the payment by entering the code from the SMS;
  
• save or print the receipt.

Loan payments Home Credit is accepted in the salons of all major telecom operators, as well as Euroset and Zolotaya Korona. At the first call, you will need to tell the operator:

• your full name;
• Bank's name;
• contract number;
• twenty-digit account number;
• amount;
• telephone for communication.
You can repay the loan ahead of schedule. HC allows you to make such repayment in the same way as the next payments were made before. You only need to notify the bank of your intention in advance by calling or writing an e-mail. In the event that there are more than one credit account, it is worth clarifying which one is planned to be closed. The minimum period for such notification is 10 days.

The entire amount must be paid before the date of the next transfer. It is necessary to take into account the duration bank payments and take care of the account replenishment in advance. The write-off will take place according to the schedule, which is attached to credit agreement... You can find out if the loan has been repaid in your personal loan account. If it is empty, then early repayment was successful.

Compliance with the payment schedule allows not only avoiding penalties in the form of penalties. Timely deposit of funds forms a positive credit history client. Subsequently, this will allow him to get the next loan for better conditions or larger.