Home bank loan application. How to get a loan from a home loan bank. Assistance and participation of the bank in the social life of society

Requirements for clients

So that you can easily choose a consumer cash loan at Home Credit Bank, we advise you to familiarize yourself with the requirements for customers. 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, the 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 history of the borrower - if there were delays in previous loans, a new one will most likely be denied.

In 2019, borrowers who can document their solvency or are ready to use a pledge of valuable property, a surety have more chances to receive a Home Credit loan on favorable terms. The provision of liquid assets and third party guarantees reduce the risk of non-return of money, so the loan approves applications from such clients more willingly, and can also provide a loan on favorable terms - with a lower interest rate.

How to choose the best offer?

The most convenient way to find a loan is Home Credit for individuals using an online search engine (it is 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. The best offers are at the top of the list. Before you take a loan from Home Credit Bank, compare the various options and choose the best one.

Online application

By clicking on the tab of the offer you like on the Vyberu.Ru website, you will be redirected to the official website of the credit institution. On the right side of the card there will be a button "Apply". By clicking 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, as well as contact details. Next, you will need to agree to the processing of information and send a request for consideration. This is only the first step to take a loan from Home Credit Bank - an online application does not mean the conclusion of 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 that you indicate in the questionnaire. You can apply for a Home Credit loan in case of approval of the application at any branch of the bank. You can ask the manager of the organization all your questions regarding the terms of repayment of the loan, including where and when you would like to receive money. Borrowed funds can be issued in cash at the office or transferred to a bank card. In any case, you will have to visit the bank's office to sign the agreement, even if you have chosen to credit funds to an existing account.

Loan repayment methods

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

Early repayment

If you plan to repay a consumer loan at Home Credit Bank ahead of schedule, it will be profitable to do this during the period of payment of the premium amount. In this case, if you repay the loan prematurely, the interest rate can be recalculated - and you will save some money. There is no penalty for early repayment of a consumer loan.

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

The Bank is a large Russian financial institution providing a wide range of banking products to its clients. Among them are various loans, deposits and debit and credit cards. You can borrow money from this business at 19.9% ​​per year and above. Money is issued in Russian rubles. The maximum payment period for the population of the funds taken here is 84 months (when receiving money on credit in cash). The bank regularly has special offers for loan products on individual terms for customers.

Conditions for lending to the population

The Bank provides an opportunity to issue consumer cash loans and loans to pay for purchases and services:

1. A loan to pay for services and goods. The bank offers loans without overpayments for travel, electronics, household appliances, jewelry, furniture and clothing. Of these categories, travel and jewelry loans require a down payment (20% and 30%, respectively). Overpayment for such a banking product is 0%. You can borrow an amount from 1500 rubles to 500 thousand rubles. By indicating the interest rate and the amount of the loan, the bank assumes a loan for the purchase of goods or payment for services from a particular store.

How can I get a cash loan at Home Credit Bank: 2 ways

For the convenience of customers, you can apply for a cash loan service either by contacting the branch directly, or by leaving an online application on the official website of the organization. The option of contacting the bank directly is convenient for those who wish to find out all the conditions for receiving funds from the manager.

In order to find a geographically close office, you need to go to the "Branches" section on the bank's website and find out the address of a branch that is convenient for you. Similarly, in the "ATMs" section on the map, the addresses of all ATMs of this organization are fixed.

How to get a loan at Home Credit Bank without a personal visit to the branch? Not always working people can find a free minute to run into the bank. Yes, and if the time to apply personally was found, but the bank did not approve it, it would be a pity for the time spent. A quick way to apply for any of the products offered is to fill out an electronic form and submit it online.

By clicking on the Loans tab on the official website of the bank, you can find out about the products offered, as well as apply for a loan of your choice

The term for consideration of the borrower's questionnaire by the bank - from 90 minutes to 2-3 days. According to statistics, the percentage of approved applications is low.

What is needed for remote access:

• fill out a questionnaire, indicating reliable personal data and contact details, so that you can contact the client;
• answer the call of a specialist who will promptly report the result of the consideration of the application;
• if approved, obtain information on the proposed products;
• visit the branch in person, providing the necessary documents;
• enter into a contract.

Making a request for a borrower to receive funds in this organization is quite profitable, because no collateral is required to receive money. You also don't need a guarantee. Registration takes place in the shortest possible time. In addition, the client is not charged an additional commission for the issuance of material resources to him. To repay the debt, a special schedule is drawn up, and the borrower himself can indicate convenient replenishment dates.

How to repay a loan

The method of repayment of the borrowed amount of money in this bank is annuity payments. This means that it will be necessary to deposit funds once a month, every 30 days in equal payments. The payment schedule is issued at the time of signing the contract. How can I pay:

• at the cash desk of the Home Credit branch (no commission is charged, money is credited within 24 hours);
• using the Internet bank (there is no commission, funds are received instantly);
• through Home Credit Bank terminals, where there is a function of receiving money (replenishment is free, money will come in a day);
• through the bank's partners - Euroset, Svyaznoy, M.Video (a commission of 1% is taken, the funds will be credited to the account in 2 days or faster);
• transfer through a third-party commercial organization (it is better to check the conditions for interest for the transfer personally);
• by postal order through the Russian Post (transfer can take up to 10 days);
• through Eleksnet (money will come within 2 working days, a commission of 3% will be taken).

Can I repay early

Home Credit gives the possibility of early repayment of borrowed funds. To do this, you must first call the bank's call center, contact the office in person or go to the Internet bank in order to find out the amount required for payment. If the client decides to repay the debt in part, he independently determines the amount that he wants to deposit.

Next, you should notify Home Credit of your own intention to repay the debt. The rest of the amount is paid in the most convenient way for the borrower. When paying not through Home Credit itself, it is worth making the transfer in advance, taking into account the time for which the transfer arrives.

Loan at Home Credit Bank: requirements for the borrower

In order to borrow an amount from this organization, the borrower must meet the conditions set by the organization and provide the necessary list of documents.

Bank requirements presented to clients:

• have the citizenship of the Russian Federation;
• have a telephone for communication;
• have a constant profit;
• reside and be registered in the territory where the loan is issued.

The documents, which are necessary to apply for a cash loan in Home Credit:

• passport and document of choice (driver's, SNILS, pension);
• for males - a military ID;
• a certificate of employment or other papers to confirm the ability to pay the debt.

Updated 08/22/2019

Lending allows you to solve current financial problems, while in recent years the position of banks in relation to borrowers has become much more loyal, which allows you to take consumer loans quickly and without any problems. When deciding how to get a loan and how to get money in the most convenient way, many potential borrowers are increasingly choosing the opportunity to work online, without visiting the offices of banking organizations. Home Credit Bank is a reliable and time-tested company, where you can get a loan quickly and with a minimum package of documents. Let's consider how to get a loan from Home Credit Bank, what documents are needed for this, and what a personal offer for regular customers affects.

How to get loans from Home Credit Bank for those who are already a client of this organization? The first thing to do for cash at Home Credit is to check if you have a personal offer from the company. You can see its presence or make sure that it is not available using the My Credit service or using Internet banking.

If there is such an offer from Homecredit Bank, you can get it without visiting the office (by submitting an online application via the Internet)!

To do this, in your personal account, you must agree to the service, after which a bank employee will call the specified phone number to clarify the details. To get a cash loan, you will need passport data, but registration will take place remotely, using your personal account. You can get a loan using an instant transfer to a Home Credit bank debit card, bank debit or current account of another financial institution.

For new clients

A loan from Home Credit Bank can also be obtained by those people who were not previously its clients. At the same time, the loan can also be approved via the Internet at the first stage, however, it will be possible to receive a cash loan only after visiting the office with the necessary package of papers. In addition, Home Credit Bank can also issue a loan in the old fashioned way: at the moment the client directly contacts the company's office with the necessary package of papers.

To submit an initial application for a consumer loan, you must fill out a short electronic form in which the person taking the loan must indicate personal data, passport data, information about the work and parameters of the proposed loan. After sending the application, a preliminary decision will be made on it, after which a representative of the financial institution will contact the potential client.

Conditions for lending money

A cash loan at Hom Credit Bank can be issued on the basis of several loan programs, which will differ in the offered interest rates, the documents required for obtaining and maximum limits.

If we talk about the maximum and minimum possible parameters, then existing customers can borrow from 10,000 to 1,000,000 rubles (1 million rubles), while the most favorable rate will be only 7.9%(updated information as of August 2019). Having taken the money, it is necessary to return them within a period of one to 5 years. As for new customers, amounts from 30,000 to 500,000 rubles are available to them, while the rate will be slightly higher (the highest is 24.8%. For customers with a bad credit history, low salary, existing loans, etc.). Since the maximum amount is lower than for regular customers, the return period is somewhat different, ranging from one to five years.

What is important, for all categories of borrowers, the service of early repayment of the loan, both full and partial, is available. This allows you to count on the initial connection of the most comfortable monthly payment, which will make it possible to always pay the debt without delay. At the same time, if there are free funds, the borrower will be able to repay part of the principal debt or fully pay off the bank without any penalties and restrictions.

Required documents

This question can also be answered differently for new and regular customers. The latter, in order to receive money under the proposal, will need a passport and SNILS, pensioners must additionally prepare a personal pension certificate.

You can get a cash loan WITHOUT income certificates! At the moment, Home Credit Bank offers one of the most advantageous offers on the consumer lending market and operates in all major cities of Russia.

To receive the minimum amount, new customers will also need a passport and one of the required documents to choose from, among which may be the same SNILS, as well as a passport, driver's or pension certificate. To obtain a loan for larger amounts, new customers and existing borrowers who do not have an offer from the bank will have to additionally provide documents confirming solvency - this set is discussed on an individual basis.

Requirements for the borrower

It is worth saying that, in comparison with other banks, "Home" is quite loyal to potential borrowers, without imposing too strict requirements on them. So, a citizen of the Russian Federation who has a residence permit in any of the regions where there are representative offices of the bank or at least lives in the locality where he receives a loan can count on receiving financial assistance. Age also matters: only persons aged 22 to 70 years.

Another mandatory requirement is the presence of a permanent source of income. In most cases, it will not be necessary to officially confirm it, however, clients with a stable income and, moreover, officially employed have a much better chance of approval of the application.

The main thing is not to try to deceive the bank regarding your financial situation. Despite the fact that certificates of employment are not required here, it is easy to check the availability of income - just check the data with the PFR database, which will be available to the credit institution due to the consent to the processing of personal data and the provided SNILS number.

Flexible and loyal attitude towards borrowers are the main advantages of Home Credit Bank. The process of obtaining money on credit is also attractive, as it is simplified as much as possible for existing customers: the presence of a personal offer allows you to get a loan without leaving your home.

Home Credit Bank is the largest financial institution operating in Russia and offering a wide range of banking products: various debit and credit cards, deposit accounts and loans to cover the various needs of the population. Among other things, Home Credit Bank offers a cash loan.

How to get a cash loan at Home Credit Bank: 2 ways

1. Personally visit a financial institution and communicate with its managers regarding the conditions and requirements.
2. Apply online by filling out a special form on the official website of Home Credit Bank.

The first option is preferable for borrowers who, after studying the terms of the loan product on the website, still have questions or doubts. Communication with a specialist will help to sort out all the incomprehensible points and make a final decision.

Important: up-to-date information about the location of all Home Credit Bank branches and their work schedules can be found on the official platform of the institution.

The online method is more convenient, as it does not require you to spend a lot of time.

Applying for an online loan at Home Bank Credit

The algorithm of actions when contacting online will be as follows:

1. Fill out the form. Enter only valid information. Be careful with contact information. They are needed so that employees of the financial institution can contact you as soon as possible.
2. You communicate with a specialist who will soon contact you by the phone number indicated in the questionnaire. You will be informed of the decision.
3. If the answer is yes, once again study all the pros and cons of the selected loan product and clarify the details.
4. Collect all the necessary documents and come to the office of Home Credit Bank.
5. Sign a contract and start using borrowed money.

Getting a loan from Home Credit Bank is fast. Note that the percentage of approved applications is relatively low.

Basic conditions

Lending from Home Credit Bank when taking a loan in cash is carried out on the following conditions:

• credit limit - 999 000.00 rubles;
• the minimum loan amount is 10,000.00 rubles;
• the minimum term is 1 year, the maximum is 7 years;
• currency - Russian ruble;
• insurance is issued at the request of the client.

All of the above conditions are relevant for citizens who are already clients of Home Credit Bank at the time of application. If this is your first time applying to a financial institution, there will be several differences in the terms and conditions:

• the minimum loan amount is 30,000.00 rubles;
• the maximum loan amount is 500,000.00 rubles;
• The maximum loan term is 5 years.

As you can see, the conditions for newcomers and those who managed to prove themselves are slightly different.

Advantages

The described loan product has a number of advantages that distinguish it from similar offers from other banks. This:

• speed of decision making;
• low requirements for borrowers;
• acceptable interest rates;
• loyalty to customers;
• a high degree of trust in borrowers;
• the possibility of refinancing and early repayment.

Any loan is a burden. Home Credit Bank does everything to make it easy for its customers and beneficial to both parties.

Loan rates in rubles

As noted above, the loan is issued in national currency. Home Credit Bank offers it on favorable terms, the interest rate is from 14.9%.

Interest rates on loans for bank customers

Among the advantages, a loyal attitude to regular customers is indicated, the interest rate for them is only 12.5%. It is 2% lower than for citizens who applied to a financial institution for the first time.

Get a loan from Home Bank without collateral and guarantors

An overview of the conditions and benefits will not be complete without mentioning two more important bank preferences for everyone who decides to take a cash loan from it. This:

• collateral is not required;
• a guarantor is not needed;

This is a very bold and attractive offer from Home Credit Bank, which opens access to loan products to citizens who are not inclined to puzzle themselves with the search for guarantors and pledge family values.

Calculation of the payment schedule for the loan "Cash"

On the Home Credit Bank website, everyone can independently calculate the debt repayment scheme. To do this, on the page dedicated to a cash loan, click on the "loan calculator". Next, set up:

• loan term (number of months);
• desired amount (in rubles);
• monthly payment.

As a result, the amount of the overpayment for the entire period will be shown at the bottom of the screen.

When concluding a contract, the managers of the financial institution draw up a repayment schedule that takes into account the wishes of the borrower. Among other things, he can choose the dates of settlement that are convenient for him.

Early repayment

Home Credit Bank allows early repayment of the loan. If you have come to such a decision, proceed according to the following algorithm:

• go to a financial institution or contact its employees by phone in order to find out how much you need to return;
• notify the bank of the decision;
• transfer the money, taking into account the fact that it will take a certain time to close the loan.

Approximately the same scheme should be followed if you intend to pay off only part of the debt.

The documents

Any type of bank loan is provided upon presentation of a package of documents requested by the financial institution. In this case, you will need:

• the passport;
• additional document, one of the list:

1. Pensioner's ID.
2. SNILS.
3. Driver's license.

• military ID for males;
• a certificate of monthly income received, usually provided from the place of employment.

Insurance

Unlike most cases of lending, when taking the described loan, it is up to the client to insure or not to insure. No one obliges him to spend additional funds on insurance.

Requirements for the borrower

Before applying, make sure you meet the bank's criteria. This:

• minimum age 22;
• maximum age - 64 years;
• regular profit;
• Russian citizenship;
• the presence of a permanent telephone connection.

By meeting the above requirements, you are more likely to get a quick cash loan.

Decision time

Home Credit Bank distinguishes itself from its competitors by fast processing of applications. When issuing small and medium amounts, it takes about 90 minutes to make a decision. When it comes to large loans, applications are considered from 2 to 3 days.

Methods of payment and receipt of funds

Since we are talking about an annuity loan, it will be necessary to pay off parts of the debt every 30 days in equal amounts according to the schedule. There are several ways to deposit funds.

HCFB offers individuals convenient and profitable credit programs.

Cash:

• A new client, applying for a loan, can count on an amount from 30,000 to 500,000 rubles at 14.9% - 25.6% per annum, for a period of 12 to 60 months.
• For regular customers, the loan amount has been increased and ranges from 10,000 to 850,000 rubles, the loan term is 12 to 84 months with a similar interest rate. Income verification is not required.

HCFB does not exercise control over the targeted use of the issued funds. Loans are provided only in Russian rubles. The time for consideration of the application is minimal and usually does not exceed two hours.

On the "purchase of goods" Home Credit

Today, HCFB offers its customers the possibility of targeted lending in partner stores (in 2017: 44 large chain stores and many small ones) that have concluded a cooperation agreement with the bank.

You can apply for a commodity loan for household appliances, furniture, interior items, electronics, tourism services and other products within the framework of the following programs:

• credit without overpayment;
• preferential loan;
• overpaid loan.

The terms and amount of the loan depend on the chosen partner of the bank, the purchase price and the solvency of the client. Typically, the loan amount varies from 30,000 to 500,000 rubles, in some cases it can reach 800,000 rubles. Maximum term: 4 years (48 months).

The amount of the overpayment depends on the chosen lending scheme, for example, on preferential terms, with early repayment within 6 months, the overpayment will be 0%. Interest rates for "purchase of goods" in the bank vary from 7.28% to 34.9% per annum.

Detailed loan conditions can be found

Before applying, go to the official website of the bank and calculate the approximate overpayment using a loan calculator. Just move the slider over the loan parameters and you will find out the payment amount, term and overpayment.

But, it is worth considering that the default loan calculator uses minimum rates, which are rarely used in practice.

Requirements for clients

When applying for a cash loan, the client must meet the following parameters:

• age from 22 to 64 years inclusive;
• citizenship of the Russian Federation;
• permanent residence in the region where the application was made;
• stable income;
• positive credit history.

To apply for a commodity loan, the age limits have been expanded: from 18 to 75 years inclusive. The rest of the requirements are the same.

Package of documents

A loan for consumer needs in HCFB can be issued without certificates and guarantors, providing only a passport.

If necessary, the bank will request a pension certificate or a certificate of the amount of the established pension from pensioners, and SNILS, a foreigner or rights from the rest.

Special offer loans

To get a special offer of HCFB and take a loan on favorable terms, you need to have an impeccable credit history at the bank or apply for a cash loan at 17.9% on the bank's website. After several payments have been made in a timely manner, the credit institution will begin to send SMS and letters with more and more favorable lending conditions.

It is convenient to follow special offers on the official website of the bank or in your personal account.

How to apply for a loan

You can get a loan using only one passport, without providing income statements to HCFB: by visiting the bank's office, or by contacting the hotline.

Personal visit

The nearest bank office will suit you. Provide the loan officer with personal data and provide the necessary documents. If the loan is approved, sign the contract and application. The bank will transfer the money to the account on the same day.

Through the Internet

Easy to get a loan online. It is necessary to fill in on the official website of the bank and get a prompt decision.

The application form must include:

Wait for a phone call from the manager, who will tell you in detail about the terms of the loan and the rules for repaying the debt. In order to sign the contract, you will have to visit the bank office.

By phone

An application by phone is convenient for those who do not have access to the Internet or who have difficulties in forming an application on their own. It is enough to contact the credit agent by phone +7-495-785-82-22 and provide your passport details. Then follow the instructions of the operator.

How to pay and arrange early repayment?

Free depositing funds to pay off a loan:

• branches of other banks (no more than 5 working days);
• branches of the Federal State Unitary Enterprise "Post of Russia" (no more than 7 working days);
• in the offices of representatives of cellular communications, for example, Svyaznoy, MTS, etc.;
• at the service points "Zolotaya Korona", "Eleksnet", "CONTACT".

In addition to the above methods, the client can contact the accounting department at the place of work to apply for the transfer of part of his salary to pay off the debt.

Home Credit Bank welcomes early repayment, but in order to do everything right, a number of conditions must be met:

• specify the amount of debt on the day of payment in the call-center of the bank;
• write a statement of intent to pay the entire debt ahead of schedule;
• pay the debt in a convenient way for you.

Debt restructuring

If life difficulties arise and it is impossible to repay a consumer loan according to the schedule, contact the bank without waiting for the formation of debt. The bank, as a rule, meets halfway and draws up debt restructuring in one of the following ways:

1. If the delay is small (1-2 payments) or has not yet occurred, the bank will conclude an additional agreement with the client to extend the loan term.
2. If the delay is long, the bank will not change the terms of the loan agreement, but only suspend the accrual of fines for six months, and the client, in turn, must regularly pay off the loan, the amounts possible to him.

Restructuring may be denied if:

• the client has already used such a service before;
• the loan has already been transferred to collectors or to the court.

A debt restructuring is a new loan that will be subject to more favorable terms. Due to the newly received funds, the client will be able to fully repay the debt to other banks.