Home Credit My offers by phone number. Home Credit: Check the offer on credit. Interest rate and conditions

Want to save on credit in home loan, get a mortgage on a reduced percentage or make a profitable contribution? The advantages of banking services of a financial institution can be assessed by taking advantage of the Special Offers of the Home Credit. On the stocks of the bank and the timing of their holding, you will learn from this publication.

Products Home Credit Bank with shares *

Special offers Home Credit operate in relation to:

1. The bank's client has overdue debts.
2. Disturbance disorder occurred without, for example, due to the deprivation of the place of work or a change of position on a more low-paid, disease, etc.
3. Payment from 20% of the amount of debt in one payment.
4. Amnesty can be expressed in forms:

Usually banks will not disclose information on the amnesty of debts in public sources. The circle of persons participating in shares is determined by the credit institution internal orders.

If you plunge into the credit card pool, this is funding a certain purchase, you need a map offering the longest 0% percentage period with new purchases, providing you with the longest time to recoup these dear disposable. And this period can be two or more years. It is the best deal on new purchases that are currently sold in the market.

Provides a 30-month interest rate on new purchases. But, which is especially important if you have a debt, but still you need to regularly use your card, a 30-month interest-free deal is also provided for new purchases and for balancing, offering incentives for nectars here. Just follow the same 95% interest rates after this period and fees for the translation.

Lending allows you to solve current financial problems, while in recent years the position of banks in relation to borrowers has become much loyal, which allows you to take consumer loans quickly and without any problems. Solving how to make a loan and how to get money as convenient as possible, 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, to make a loan in which you can quickly and with the minimum package of documents. Consider how to take a loan to the "Home Credit" bank, what documents are needed for this and what is affected by a personal offer for regular customers.

While the balance is repaid by the end of the period, these cards add up against the best of free free finance or purchase loans that you will find on the main street - for example, from furniture or electric stores. Thus, the slogans here "paid off", and if you think that it is unlikely that you will clear the debts even more than two and a half years, you probably need to look for the best long-term deal with a low rate, currently it is 9% percent Low commission in the amount of 5% before increase to 9%.

Large spending that religiously pay for their balance or every month, or at least to the end of an interest-free period, can be prepared by selecting a credit card that offers a better cash transaction or the best credit card remuneration.

How to take loans in the bank "Home Credit" by those who are already a client of this organization? The first thing to do for cash in the "Home Credit" is to check if you have a personal offer from the company. Watch it or make sure that you can use the help of the service "My Credit" or using Internet banking.

What sounds generously, until you get a 9% variable interest rate on everything you buy. Along with those mentioned above, with remuneration points, cash and balance transactions, probably your best choice if you are a regular customer with its 25-month percentage-free balancing window with a 9% contribution and 0% when purchases, as well as in For 25 months, then 9%.

If not, percentages and fees very quickly outweigh these remuneration. But what if you have already encountered debts and, despite all your efforts to reduce your borrowings, approached the end of your transaction from 0% before you paid it? Then the whole thing is to translate the remainder on with minimal payment, as a rule, with the longest way to pay it to it.

In the event that such a proposal from the bank "HomeCredit" is, you can get without getting off the office.

To do this, in the Personal Account, you must express agreement with the service, after which the Bank's employee will call at the specified phone number to clarify the details. To obtain a loan in cash, passport data will be required, the design will be remotely remotely, with the help of a personal account. You can get a loan using an instant transfer to the debt card "Home Credit Bank", a bank debit or current account of another financial organization.

Grocery carries 98% transmission as well as nectar points. What about debts created in other places? You can also transfer cash debts to credit cards on the same types of transactions with remittances credit cards, the best of which currently have a commission fee in the amount of 99%, or it has a commission fee in the amount of 99%. If you need more time to pay off the debt, the best credit card with a lowest money transfer rate is now over 60 months per 5% translation commission.

However, more and more often suppliers offer double transactions with balancing translations and new purchases. The use of such websites depends on the terms of use, as provided for on such websites, and will have prevailing strength on the terms of use in the event of a conflict between them. At your request, you are redirected to a third-party site. Please read and agree with the refusal of responsibility before continuing.

For new customers

Credit in the "Home Credit Bank" can also get those people who had not previously been customers. At the same time, the loan can be at the first stage also approved via the Internet, however, it will be possible to get a cash loan only after visiting an office with a necessary packet package. In addition, the Issue "Home Credit Bank" can issue both in the old manner: at the time of the client's immediate appeal to the company's office with the required papers.

Conditions for granting money in debt

Before continuing, read and agree with the displanter. There were those times when you checked your mailbox daily on the most recent and best credit card offers. Thanks to modern technologies, you can access your suggestions at your own internet. This is a great way to focus on credit card offers on our own conditions, and not wait until they appear in the mail.

We will spend you through some of the most popular credit card companies so that you can see what transactions you specifically have right. Remember, although, like any other prequalification or preliminary approval, which comes by mail, none of these proposals guarantees approval.

To submit an initial application for a consumer loan, you must fill in a small electronic form in which the boring a person must specify personal data, passport data, information about the work and parameters of the alleged loan. After sending an application for it, a preliminary decision will be made, after which the representative of the financial organization will contact the potential client.

You still have to go through the application process as well as with the traditional proposal of a credit card. Continue to read more about these proposals and what exactly means the terminology so that you know how to interpret the best.

Start by switching to the company's website, then scroll down to the place where it says: "Find the card that is suitable for you." You can choose from personal cards, small business cards, corporate cards or prepayment cards. Assuming that you want to use a credit card for your own use, you must choose personal cards; However, it is worth noting that you can get suggestions for other types.

Conditions for granting money in debt

Cash loan in the bank "HOW Credit" can be issued on the basis of several credit programs that will differ in the proposed interest rates necessary for obtaining documents and maximum limits.

If we talk about the maximum and minimum possible parameters, then the current customers can get a debt of 10,000 to 850,000 rubles, while the most profitable rate will be 14.9%. Taking the money to return them is necessary on time from one year to 7 years. As for new customers, they are available amounts from 30,000 to 500,000 rubles, while the rate will be slightly higher, starting from 17.9%, which is quite profitable. Since the maximum amount is lower than for regular customers, the return period is somewhat different, rangeing from one year to five years.

What is important, the service of early repayment of the loan is available for all categories of borrowers, both full and partial. This allows you to count on the initial connection of the most comfortable monthly payment, which will always be able to make payment of debt without overdue. At the same time, in the presence of free funds, the borrower will be able to repay a part of the principal debt or to fully settle with the bank without any penalties and restrictions.

Required documents

This question can also be answered differently for new and regular customers. The latter for the receipt of money on the suggestion will require a passport and SNILS, pensioners additionally must prepare a personal pension certificate.

New customers will also need a passport and one of the required documents to choose from, among which it may be the same SNILS, as well as a passport, driver or pension certificate. To obtain a loan for larger amounts to new customers and existing borrowers who have no offer from the bank, will have to additionally provide documents confirming solvency - this kit is discussed individually.

Requirements for the borrower

It is worth saying that, compared to other banks, "Home" rather loyally refers to potential borrowers, without preventing too harsh requirements. So, a citizen of the Russian Federation, having a residence permit in any of the regions, where there is representative offices of the bank or at least to live in the settlement where the loan is received. Age is important: only persons aged 22 to 64 can count on obtaining a loan.

Another mandatory requirement is the presence of a permanent source of income. In most cases, it will not be officially confirmed, however, customers with stable income and, moreover, officially employed have much more chances for approval of the application.

The main thing is not to try to deceive the bank regarding its financial position. Despite the fact that the help of work here does not require, check the availability of income is easy - just to verify the data with the FIU base, which will be available to the credit institution due to the presence of consent to the processing of personal data and the SNILS number provided.

Flexible and loyal attitude to borrowers are the main advantages of the bank "Home Credit". Attracts the process of receiving money to debt as much as possible for existing customers: the presence of a personal offer allows you to get a loan without leaving home.

Visiting office institution

To get the money at home bank you will need to visit the office of the organization. You need to take all the necessary documents. Notify your desire to take a cash loan, and you will be sent to the appropriate employee.

With a manager engaged in lending to citizens, it is necessary to discuss the details of the loan, and draw up a contract. It indicates information about the borrower, deadlines and conditions for cash issuing. After studying, sign the paper, and at the specified time you can pick up cash.

This method is recommended to those who, after reading the information on the site, remained questions. By visiting the department, you can slowly consult with a specialist. Signpers will be offered when the potential borrower will receive answers and ask for the next stage: the contract and cash issuance.

Drawing up online applications

Application for a loan online - a more convenient option. The application is sent remotely through the website. Make it can be around the clock. After processing the questionnaire, a specialist is made, and cash is issued to the borrower.

To submit an application will take:

• connecting to the Internet;
• telephone, tablet, laptop or computer (to visit the official website of the organization);
• required documents;
• 15 minutes of free time.

Prepare everything that is required to design an online questionnaire, follow these actions:

1. Go to the Bank's website and fill out the questionnaire. It indicates information about the future borrower. Take the data to be completed carefully.
2. Reply to the employee's call. After receiving the application, the employee will call the number specified in the questionnaire to confirm information, and will task several clarifying issues.
3. With a positive solution, they will ask for papers and come to the office.
4. You will finally complain of all the conditions of the loan, signify the contract, and get cash.

The second option has one advantage: on the site during the filing of the questionnaire it is not necessary to have all the documents with you. Enough photocopies or photos in good quality. Before visiting the office, these papers will not be needed.

Two important points when filling out an online questionnaire:

• You must correctly fill in information about yourself. Information should be reliable. If there are errors, even grammatical, applications may not consider. Then you will have to re-enter information, it will take more time to re-process the appeal. If the error is allowed in the phone number, the manager will not get through to you and the questionnaire will be deleted.
• You need to answer the manager's call. They often call in the first 15 minutes, a maximum of one and a half hours. Answer confidently on all the issues of the manager and confirm both your identity and intention to take cash.

The percentage of loans for HOME CREDIT, in comparison with other banking organizations, high.

Conditions

Home Bank Periodically changing lending programs. In 2019, obtaining a loan in cash is carried out at the following conditions:

• limit - 999,000 rubles;
• the smallest amount is 10,000;
• maximum period - 7 years, minimum - 1 year;
• the only currency is the ruble;
• at your request, they draw up insurance.

The listed conditions are valid for adult citizens who are reapplied for money.

With primary circulation, the conditions are few others:

• the maximum loan amount is 500,000 rubles;
• the smallest amount is 30,000 rubles;
• credit term - up to 5 years.

The differences are related to the fact that when the organization is confident in the solvency of its customers, it encourages their re-appeal.

Interest rate

Rate for repeat clients

As noted above, its re-clients home offers more favorable terms of consumer lending. It concerns this and the term for issuing money, and interest rate. Citizens of the Russian Federation, previously received a loan in this organization, can take a loan of only 12.5% \u200b\u200bper year.

Early repayment of debt

If the borrower operates on the algorithm below, the bank proposes ahead of schedule to return the money:

• find out with the help of a bank employee what amount is required to return;
• explain the bank about your decision;
• translate money at the specified time.

Documentation

Cash loan in home loan issues borrowers, if there are following documents:

1. Passport of a citizen of Russia.
2. One of the three additional documents: SNILS, driver's license or pensioner certificate.
3. Men should bring a military ticket.
4. Help confirming the monthly income.

The last document is desirable to take at the place of work in the form of 2-NDFL or by a model of the bank.

Requirements for customers

Before submitting an online application to the Home Credit, make sure that you meet the requirements of the bank:

• the age of the borrower is not younger than 22 years;
• the greatest age is 64 years;
• permanent monthly income;
• citizenship of the Russian Federation;
• telephone for communication.

By a similar scheme, if desired, it is proposed to return part of the debt.

Term of consideration

pros

Consumer cash loan from Home Credit has a number of advantages over similar suggestions of other organizations:

• fast financial issuance;
• low interest rate;
• loyal attitude to borrowers;
• perhaps early repayment and refinancing.

Bank offers are some of the top lending market. Unlike a home loan, not all financial organizations take money without guarantors and pledge. This is a good and bold sentence, proves loyalty to customers.

Bank reputation and customer reviews

The bank was founded in 1997. For its more than 20 years of history, retains a reputation as an honest and loyal bank. Most of the customers, according to reviews, are satisfied with the services and plan to contact again.

People celebrate the rapid issuance of money and the minimum requirements for design. There are also customers who left pretty cold reviews. They are noted mostly not the best conditions during the first appeal.

Based on the relationship of opinions, you can draw the following conclusion: if necessary, get a large amount, it is recommended to first get and repay the "small" loan.

Summary

Cooperation with the Home Bank is mutually beneficial. Services have an online Cash Cash Selection Service. It is worth noting a large indicator of approval of applications and relatively small interest on debt. Those who wish to receive finances, this banking institution will offer some of the best conditions in the lending market even when applying online.

To date, the credit card is a universal tool that allows us to conveniently and quickly solve most of the financial issues. "Plastic" with a bank limit offers many financial institutions, but in this article we will consider what the credit home credit card is a bank loan, which it has advantages on what conditions is provided and how to get and enjoy.

This financial institution issues and issues a credit for the country's population since 2004. And for over 10 years, plastic products of the bank Home Credit are greatly popular among lovers of convenient and rapid ways of payment for goods and services.

Offers from Home Credit Bank: Credit Limit Cards

Currently, the Bank issues and offers consumers with 3 varieties of credit cards, each of which has its purpose, the conditions of use and positive parties. So, if you have already thought about getting a Card Credit Home Credit, a "quick purchase" credit card can be a reliable assistant for you in solving many financial tasks. It is from her that we will begin to consider the card products of this credit and financial institution.

Credit Map Home Credit Gold

But at first I would like to say that the bank home loan can make you a personal offer to receive any card from your line. For such a proposal "Plastic" you can get in just 15 minutes. But individual proposals a financial institution makes only for their current customers, but only for conscientious and loyal.

You will easily get any credit card, to place an online application Home Credit will allow a personal offer if you participate in a salary project, have a debit "plastic" or contributing to the bank, as well as use the services of targeted or non-target lending.

Credit Card "Fast Shopping"

Such a product of the bank got its name due to the fact that its design is carried out in just half an hour. "Plastic" is also called an instant issuance map. You can get it in the credit department, and the application is allowed to be submitted online. It is advisable to submit it from the official site, while you will not need to introduce a lot of information about yourself. The employee will contact you to go to your home loan online application, the credit card will not be personalized, that is, without your behalf on the front side.

By phone you will need to answer all the issues of the manager and give all the necessary information about yourself. The solution will be made within 15-30 minutes, after which you will be notified about this call or SMS message. Before going to the office for receiving a card, you will know what limit approved to you. It is also worth considering that the plastic product can be obtained only with full compliance with the requirements of the bank and subject to the submission of a full package of documents. So, let's look at what will be needed in order to obtain credit "plastic" Bank Houm, an application for a credit card Home Credit "Fast purchases" can be adopted for consideration from potential borrowers complying with the following requirements:

• The presence of Russian citizenship;
• Age restrictions 21-64, the latter acts at the time when the contract will be concluded;
• The presence of a military ticket. It will be necessary to submit to men whose age does not exceed 27 years;
• The borrower must have a permanent registration in the area where the card design will be carried out;
• The address of the actual accommodation may not coincide with the registration, but at the same time it is necessary that the borrower lives in the area of \u200b\u200bthe presence of a branch, where the bank credit card will be issued;
• You must have a permanent income, the size of which will allow to serve a plastic product;
• It will also be necessary for official employment, the period of work on which should not be less than 3 months;
• When filling out a questionnaire to verify the data, you will need to leave the number of the stationary phone number of the personnel or accounting of your work, as well as the stationary home and necessarily - the contact mobile phone number.

Credit Map Home Credit Platinum

If you are already a bank client, receive wages to the card emitted by it, the owner of the debit product, the depositor, or simply a user of a consumer loan, can wait for a personal offer by which an online loan application can be filed, a home loan card can be obtained without personal offers. Basic credit conditions are as follows:

• The Bank provides a limit that can be renewed. Its size is set for each individual client individually and can minimize 15 thousand rubles, the maximum - 300 thousand rubles;
• The percentage of the use of the bank borrowed from the Bank is fixed to use the credit card by cashless calculation and is equal to 33.8 per year, but if you take money in an ATM, the percentage will be equal to 49.9 per year;
• The amount of the minimum payment that you will need to be made during the estimated period are only 5% of the amount of debt, plus the accrued percentage;
• If you are sent to Home Credit Application for a credit card online, you will receive "plastic" with a period of interest-free lending for a period of up to 51 days;
• The Card Service Commission is not charged;
• If necessary, in the card reissue, on the initiative of its holder, the bank is ready to reissue for 200 rubles, starting from the second. The first reissue is free. Also a free card is reissued at the end of its validity period;
• Cash can be removed only in ATMs and cousses of third-party banks. At the cash desks, this service is not provided;
• For the cashing of bank money in any ATMs charges a commission of 5% of the amount filled;
• SMS fee Informing - 59 rubles. Written off monthly;
• The card is available in partnership with the Mastercard Category Standard Payment System.

If you have been submitted an application for Home Credit "Fast purchases" and approved, together with "plastic" you get the opportunity to make money on its account through terminals, ATMs and cash desks without a commission. In addition, for blocking and unlocking, as well as the release of a PIN code (new) and regular notifications to email, the fee is not charged. You can also connect any Internet bank services for free and use them, receive an extract on a card account when you need it.

Credit Map Home Credit "Fair"

Of the minuses of this "plastic" it is worth highlighting a high percentage for using borrowed money and a large fee for their cash. But you can issue a credit card online home loan "Fast purchases" and actively use preferential time, during which interest pays will not have to be paid. At the same time, you will not need to pay a high commission for removing money, since the interest-free period here applies only to non-cash operations.

Please note that the initial credit limit on this product can be accrued in a minimum amount, that is, only 15 thousand rubles. At the same time, if you actively use the card, the loan amount according to it can be increased by a financial institution at first 2 or 3 times, and Tham you can get the maximum limit. In order to make a credit card "Quick Shopping" in the bank a home credit card, you will need to show only a passport, the lender will check all the other information by calling the phones you leave.

Credit Card "Use"

Such a plastic product supports the "purchase with benefit" bonus program. Its participant is automatically becoming every client of the bank, which became the owner of such a card. Initially, in the line of financial institution, it appeared in 2014, in April, after which it was almost immediately actively distributed, which led to success. Now many consumers use such a card. It is possible to arrange it in the credit department of the bank a home loan, the application for the credit card "Benefits" will be taken to considerse from clients that comply with the following requirements:

• Russian citizenship;
• The borrower at the time of registration has already been done 21 years old, while he cannot be over 64 years;
• Registration (permanent) is required in the presence of a branch of the Bank and permanent accommodation in the area where the contract will be concluded;
• The potential holder of such "plastic" should be officially employed at work at least 3 months ago, at the date of submission of the application. At the same time, its income must be stable and allow the card to serve.

You will need to imagine only the original passport in order to get such a credit card, the online application of the Credit Bank provides for the decision on its extradition can be remotely. If you send an application to the Bank for consideration, the manager will contact you after about 15 minutes and will ask questions to fill out a more deployed questionnaire than electronic. You will have to inform him of your passport details, information about the work and place of residence, as well as you will need to leave the stationary working phone number and stationary home.

Credit card Home Credit "Eldorado"

As a credit card is issued only on the passport, the bank will call you home and to work in order to check the accuracy of the information you have. It is necessary to clarify that in the home loan credit card online can be released for you as the category "Light" and the category "Classic". Both maps are issued in collaboration with the payment system of the visa, and you can only "plastic" category "Light". It will not be a personal product that will be yours on the day of circulation.

Credit Card Visa Classic "Use" can be obtained by a passport and two additional documents to choose a borrower from the list submitted by the Bank.

This can relate to both the passport and the INN and the certificate of income and a copy of labor. The financial institution requests documents at its discretion. It is worth noting that the online application on the Home Credit Credit "Use" Visa Classic is also provided, but it is possible not to receive it on the day of handling, but after a few weeks. Since such a card will be personalized, the bank is necessary time for its release.

On the day of circulation, such "plastic" can only be obtained by a personal offer of a financial institution. According to such proposals, a credit card is also issued only by identification. Before applying, pay attention to the basic conditions of the card product:

• The limit on the Light map does not exceed 300 thousand rubles, while the minimum is only 10 thousand. But it is possible to issue a Classic Classic on the bank to the bank to issue a Classic card, the maximum limit on which 500 thousand rubles reaches is minimal - 15 thousand;
• The rate as a percentage of this "plastic" is 33.8 per year. Such a percentage is valid only for transactions of non-cash calculation on the card, when cash, the rate is equal to 49.9% per year;
• Your card payment will be only 5% per month, plus a percentage for use is a minimum;
• Service "Plastic" is free for customers who received it for a personal offer, for others - 149 rubles - is written off monthly;
• If you think the card reissue is needed, the first will be free. All subsequent - 200 rubles. If a credit card is issued in Home Credit Credit card, the online application for which was approved, requires a reissue at the end of the term, then it will also be free;
• Payment for SMS Informing is charged monthly and costs 59 rubles.

After placing such a card, you can replenish her account without a fee, to get a new PIN code for free, as well as an extract on account. For blocking and unlocking, the Commission is not charged, Internet Bank services and email information is absolutely free. As for the bonus program, the bonuses are accrued in the form of interest from purchases paid by non-cash payments. You get the opportunity in the bank home loan to issue a map and receive 2% with each non-cash transaction from the amount spent.

Debit card Home Credit "Use"

For partners of a financial institution and in certain categories, this percentage may reach up to 20. For example, with operations at gas stations, you will return 4% of the amount spent bonuses. In one month you can be charged 2000 bonuses - this is the maximum. You can spend them at the rate of 1 bonus - 1 ruble. You need to take advantage of them during the year, otherwise they will disappear. You can spend bonuses only on the Internet bank and not for anything, but to compensate for the purchases you have committed earlier.

If you decide to arrange a credit card online, Home Credit Bank will consider your application for 15-30 minutes, after which you will call and report a decision.

Premium Credit Card Black Edition

The premium product is issued by the Bank in partnership with the Mastercard payment system. Full name - Mastercard World Black Edition. The main advantage of plastic - support for the Cashback option, thanks to which holders of such cards receive 2% of any non-cash transactions on the map back to account and 5% when paying for goods and services in such categories as "beauty salons", "Gifts", "Cinema" , "Theaters", "Sport".

You get a unique opportunity in Home Credit Bank to issue a WORL credit card and get a solid and prestigious status, great opportunities and a relatively high interest rate. The only minus here is quite expensive annual service. So let's consider the conditions more.

• The limit on such a product is maximally equal to 300 thousand rubles, with a minimum of 120 thousand, which is quite decent. The loan amount is calculated by the Bank individually for each future plastic card holder;
• The annual service fee is 5900 rubles;
• The percentage of the use of borrowed money bank is fixed and equal to 24.9 per year, while this figure acts both on cashless payments and to cash out.
• If a credit card of this category is approved in the home loan, you can make a debt repayment of only 10% of the amount spent, plus accrued for the use of the percentage;
• Time during which you can not pay interest on the loan - 51 days. The service applies only to operations carried out by cashless calculation;
• Carting cards on your initiative costs 200 rubles, at the end of the operation period - the reissue is free of charge;
• You can only shoot cash in ATMs only with a commission, which is equal to 5% of the reasured amount, while it cannot be less than 100 rubles.

You can at home credit Bank to issue a premium map and additionally connect any service on the Internet bank, which will be free for you. At the same time, for SMS, informing will have to pay, as in other banknotes, 59 rubles per month. Credit "Plastic" is produced with an electronic chip, has a program "Shopping" and concierge service. This card is registered, it is possible to get it according to a personal offer of a financial institution only on a passport in 15 minutes.

Without a personal offer, you will have to wait a few weeks until the "plastic" will be manufactured.

Debit card Home Credit Green Use

In addition, a credit department employee will surely ask you to give a working stationary phone and home for verification. Their absence can cause refusal to provide premium "plastic" with a credit limit. After receiving a positive decision from Credit Hawn Bank, it is necessary to issue a credit card at the office of a financial institution, presenting a passport and 2 additional documents that will ask you to bring an employee by phone.

When the card is released, you will be notified about this by SMS or a call to the contact mobile phone number and you will only have a banknotes in the bank branch. Please note that the financial institution does not require certificates of income, which is a big plus. At the same time, in order for your application to take for consideration, you must comply with the requirements of the Bank to borrowers. And men under 27 are obliged to present a military ticket at registration.

In order for your online application for a credit card Home Bank was adopted for consideration and you have a chance for obtaining a positive solution, check whether you meet the requirements of a financial institution.

• Only citizens of the Russian Federation can be calculated to receive a credit card;
• The bank limits the submission of applications by age of potential borrowers. Restrictions: 21-70 for a time when a contract is concluded;
• The address of the residence and registration should be in the region where "plastic" will be issued;
• The borrower requires an oral confirmation of employment, work experience on which at least 3 months and constant earnings, whose size should allow to serve the card product.

If you are interested in a premium credit card Home, an online application will help you reduce the time that occupies the design of "plastic". After all, thanks to her, you can send your data for consideration to the bank without leaving at home and without breaking away from important things for you.

Advantages of Cards Home Credit Bank With Credit Limit

Plastic credit cards are widespread enough in our time. Such a bank product has many people, with some of them actively use several plastic products of one or more banks. If you competently use a credit card, exactly and use all its privileges and options, then it will bring you positive emotions and a lot of benefits.

Debit card Home Credit "Key"

For example, if you arrange a home credit card, an online application for which will be considered for half an hour, you can get a product with an interest-free lending period in 51 days and not pay percentage of the bank for the use of funds borrowed from him. For this it is necessary, just to learn how to use the grace period, and this is not difficult. Do not remove cash in ATMs and you will not pay the removal commission. Pay for purchases of goods and services by non-cash payments in shopping centers, gas stations, supermarkets, on the Internet.

Now there are many outlets, where they accept payment on the map, so it will not be superfluous to issue a credit card home credit bank and pay it instead of carrying a wallet with cash. First, it is convenient - one card instead of a large wallet, secondly, safely wallet you can lose or you can steal it. At the same time, the money that in it was already unlikely to be returned. In a similar situation with the card, you can immediately block it with one call to the bank and your funds will remain intact.

Credit "Plastic" of this financial institution has a lot of undeniable advantages. First of all, it is the possibility of remote design and consideration of the application. If you want to arrange an online credit office, Bank Cards, an application online for which the financial institution is accepted perfectly. If we speak more about the advantages of credit cards, it is worth highlighting the following:

• Availability. You always have free money at hand, which you can spend for any purpose;
• Convenience. You will not need if you need to contact a bank for a new loan. The card limit is resumed, so you can use it several times;
• Modern technologies. Now you do not have to wear cash everywhere. Already most of the outlets, including cinemas, restaurants and gas stations, have POS terminals in their arsenal, with which you can easily pay for the purchase card;
• Safety, because a credit card of the home bank, the online application for which is considered quickly, involves the use of abroad. Therefore, outside of Russia, it will be your indispensable assistant. In addition, the loss of "plastic" is not terrible. In this case, the card can be blocked, and after simply get a new one, with the same account and means that were on it during the loss;
• Quite large sums of limits on the map. Even if initially the bank will set you the minimum amount of the limit, do not despair and abandon the "plastic". Just use an active card and the bank will definitely increase you the limit in the shortest time;
• The regular customers of a financial institution may issue a credit card at the home loan bank on more favorable and loyal conditions for a personal offer;
• There is a period of interest-free lending, thanks to which you can not pay interest for the use of banking agents;
• Card - a means of payment, thanks to which you can at any time pay for goods and services via the Internet, without leaving the house, which is very convenient;
• The presence of protection on 3DS technology allows you to safely make any transactions via the Internet;
• When paying for goods and services "plastic", you will undoubtedly receive good discounts and take part in various programs from world payment systems visa or mastercard.

Debit card Home Credit "Peace"

As can be seen, there are many positive qualities in credit cards of this financial institution, so knowing how to issue a credit card Home Credit Bank, you get the opportunity to take advantage of all the advantages that they are inherent.

Cons Credit Card Bank Home Credit

If we talk about minuses, first of all it is worth allocating the fact that the period of interest-free period on the cards of this bank does not apply to the removal of cash. In addition, the minus is also a high percentage for the cashing of money, even in the native ATMs of the financial institution. Many banks deliver cards to the client's house, which allows them to not attend a credit institution. Home Credit Bank does not provide for such a service, only a credit card is issued in the office, an online application for a home loan allows you to only send your data for consideration and get a decision.

By cons of banknotes of this financial institution, a paid SMS service can also be attributed to a fairly high interest rate on "fast purchases" and "benefits" products.

Of course, if you use a grace period, you can not pay interest, but if you suddenly needed cash, or you did not have time to return the money spent by the end of the interest-free period, get ready for what you have to pay. Percentage Financial institution charges daily.

What you need to know when making a credit card

If you decide to make a credit card in a home loan, while you want to save your time on the bank's personal access, apply online. When filling out the application, it is worth considering that the more information about yourself send to the bank, the faster the decision will be made to issue a map. The application on the official website of the bank does not contain many fields for the introduction of information, so its filling will take you not more than 5 minutes. But it is worth considering that the missing information you have to give the bank by phone.

Do not forget that the manager will call you back immediately as soon as you receive your application, so if you want to get a positive answer, then wait for the call and prepare your passport. Please note that the Bank's credit card application will further fill on the phone, and if you do not answer the call, it can be the reason for refusing to issue a credit card. In addition, you will need to know the full name of the organization in which you work, as well as the stationary phone number of the personnel department or accounting. The bank will call it on it and check the accuracy of your employment information and monthly earnings.

Debit card Home Credit "Cosmos"

In addition, the Bank will need to communicate your fixed phone number, home. If you do not have it, you can leave the number of relatives or friends, of course with their permission. Since the credit home loan card is issued at you, then it is necessary to warn the owner of the homeproof phone number about what will call from the bank and ask questions. If the bank hears on the phone you left any negative information about you, then a negative solution for issuing a card can take.

If a credit card is not made in a single passport, prepare in advance all documents that are ready to submit to the bank additionally so that you can inform the manager to manage the information that he asks. Such documents can be attributed to: a passport, certificate of TIN, SNILS, insurance policy, military ID, a driver's license, documents confirming the availability of real estate ownership and much more. Application Fill out correctly and respond correctly to all questions. Do not oversee your income and do not try to deceive the bank. Only so you can get a positive card decision.

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Want to save on credit in home loan, get a mortgage on a reduced percentage or make a profitable contribution? The advantages of banking services of a financial institution can be assessed by taking advantage of the Special Offers of the Home Credit. On the stocks of the bank and the timing of their holding, you will learn from this publication.

Products Home Credit Bank with shares *

Special offers Home Credit operate in relation to:

• Cash loans.
• Obtain credit cards.
• Repayment of debt.
• Deposit deposits.
• Opening accounts.
• Charitable purposes.
• Cultural events, etc.

For information about the bank's promotions, subscribe to the credit institution news:

1. On the main page of the site in the upper banner in the tabs "Online Application", "Loans", "Credits" or "Deposits".

The specified page with special offers also opens when clicking on the tab on the right "Spec. Bank".

2. On social networks. Direct links to the Bank's official accounts can be obtained on the Home Credit website. It is also possible to find the profile of Fin. FIN. CONSTRUCTIONS. To do this, it is enough to enter the official name of the organization Home Credit Bank or Home Credit Bank in the search string.

3. On the page of P.Syta Home Credit with promotions.

From the main page you can go to the "Other Services" tab - "promotions".

4. In the "Ask a Question" tab on the home loan portal on the right or the link to the top

6. To obtain news on credit proposals, follow these steps:

• Open the "Credits -" tab to learn about the special offer from the bank. "

• When you click on the link opens a page with a questionnaire. Fill in the following fields:

Date of your birth;

Mobile phone;

Email.

• Put a tick on agreement with the receipt of information from the Home Credit Bank and the processing of personal data.
• Click "Show Reso."
• On the specified phone and enter into a free field.
• Click again on the "Show Result" button.

Home Credit: Proposals for loans on special conditions *

The financial institution provides such advantage of lending:

• Return to 10% of purchase costs in online stores. Obtaining profit is possible in the period from 01.02.2015 to 01.02.2016.
• 3 free surgery for cash in an ATM. Duration - from 01.02.2015 to 01.02.2016
• For purchases in special cathorers (tourism, technique, etc.) - accrual of bonus up to 4% on the card. The time is indefinitely.
• Reduced interest rates. Held from 01.02.2015 to 01.02.2016
• Cancellation of the Commission for the maintenance of a loan. Participation can be taken from 01.02.2015 to 01.02.2016.
• Discount up to 50% on cash removal. Duration - from 01.02.2015 to 01.02.2016
• "Share SMS". Notifications are sent for free from 04/02/2015 to 07/31/2015.

Shares in Home Credit Bank *

The credit institution notifies the implementation of the shares in the following categories:

1. Salary projects:

Increase lending limit from 400 thousand rubles. up to 500 thousand rubles The duration of the action is indefinitely.

• Opening of the Ras Income Deposit in the Internet Bank with a rate of 13%. The duration of the action is indefinitely.
• The discovery of the contribution "key percentage" with a rate of 12.5% \u200b\u200bon the contribution for 3 months. Time - from June 11, 2015

3. Debit cards:

• Accrual of income to the balance of funds in rubles - 10% on the "Good News" card. The time of the action is indefinitely.
• Accrual of premium points for buying an online "benefits" online card in companies: Booking, Yves Rocher, Holodilnik.ru, MediaMarkt, Technosila, Tutu, Otto, M.Video and others. Bonuses are accrued at any time using the card.

4. WORLD MASTERCARD Black Edition Premium Standard Maps:

• CashBack - Return of funds to a map of up to 5% of the purchase in categories: "Sport", "Theaters and Cinema", "Beauty and Gifts" salons. The action lasts from 01.04.2015 to 06/30/2015 inclusive.

5. Promotions:

• "Children and money": books for financial education of children. The home loan site provides the opportunity to download a family finance tutorial for children online for free. Conditions are valid for the first 2000 participants.
• "Provided your deposit": for the owners of the contributions of "only advantages", "Only the advantages (prime)", "dozen" in rubles. The time of the action - from October 1, 2013 to 09.01.2016

6. Premium Visa Cards.

• When shopping in the store "Alphabet of taste" Mill for spices - as a gift. Time - from 1 to 30 June 2015

Does the home loan holds the amnesty of the debt

Periodically, the Bank of Home Credit within the framework of the loyalty program to customers declares shares on the amnesty of debt. Participation in the project is carried out on the following conditions:

1. The bank's client has overdue debts.
2. Disturbance disorder occurred without, for example, due to the deprivation of the place of work or a change of position on a more low-paid, disease, etc.
3. Payment from 20% of the amount of debt in one payment.
4. Amnesty can be expressed in forms:

Usually banks will not disclose information on the amnesty of debts in public sources. The circle of persons participating in shares is determined by the credit institution internal orders.

Olga |

I use the services of the bank for a long time. Never have any problems. I have a installment and consumer loan in this bank, it is convenient to pay them through the application, and in the application you can find any information on the loan. I want to express gratitude to the support service, will always help and prompt in anyone not understandable. I really like the service in this bank.

Reply

Ivan. |

I have long been using the services of this bank. Previously, by the way, 7 years ago, everything was much worse. With the first loans hershed grief: D But nothing, the bank develops, at the same time, and the service does not stand still. Even to friends sometimes I advise) a trifle, but nice: when concluding a loan agreement, you need to sign only two leaves) freeze cans with ton paper. Here, take an example!

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Love |

Hello. I need a loan in the amount of 40 thousand rubles urgently. Help arrange.

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Irina |

So after all, no one makes anything. Here is only introductory information about the services that the Bank provides. You need to go directly to the official website of the bank. There will probably have a form to send an online application. It is enough to fill it and press the button. I did it exactly when I took a loan. I personally called a bank employee with approval of the application.

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Andrew |

We took a consumer loan to the home loan, how to describe in the article need a minimum package of documents, the truth did not quite, I had to run a little problem with evidence of regular income, because Has got a job regarding not long ago. In general, everything is cool, the loan is slowly paying, more than half.

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Pavel |

I did not like it, made a loan on the TV right in the electronics supermarket, quickly issued, and the money in the store was immediately transferred. Noah on joys did not read the contract immediately, and when he began to pay, then I realized that I had better to take in a different bank in cash. And the percentage is large, and the commission is, also forced insurance to conclude. In general, overpaid about 40 percent for this TV. It myself is to blame, it was necessary to calculate everything first.

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Anna |

To be honest, my last attempt to cooperate with the bank home loan suffered fiasco. I took somehow a loan, I liked everything, quickly, quickly layout everything and under a normal percentage. Then he decided to open a debit card, sent an online application, called back immediately, they said in 2 weeks. Waiting for two weeks, month. Called to the call center. They said that they would figure it out. After 2 weeks, SMS came that my card was canceled !! I sent another application to figure out.

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Tatyana |

I agree that the staff is competent and polite, plus the customer-orientedness of them at a high level, but I did not notice there low loan rates. Approve large sums if you approach documents and ki in order, but the rate is less than 25% in the home loan is nonsense. Salary mines low, but, too, if we compare in the market, then far from the lowest interest rates. On the other hand, they have a good reputation compared to the majority of large banks. I have never heard someone invented some incomprehensible commissions or someone deceived. Suitable for your salary and those for whom the service is more important than the cost.

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Anton |

You can listen to my story. I had a loan, and under a rather high percentage. I decided everything to be frozen, clarified the amount from the manager, and everything closed. Six months later, I decided to contact another bank, but I had a refusal! Began to find out what the reason turned out to be my ki is corrupted by HomeCredit Bank! I call, they say on the hot line that there is no debt, recovered the request, sent the answer that there is no debt, but since one !!! The payment was made late for 2 days I was introduced into the "black" list! I sent a letter to the main office, waiting for an answer.

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Pavel |

I would like to know the continuation of your story. I approximately such a story happened recently, only with a credit card. I wrote an application for closure, everything paid. And suddenly I will come sms-messages a month later, that I should the bank of money for the service, also wrote a request when they answered did not say.

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Egor |

The bank appreciates it for a big loyalty, twice approved the loan in situations when other banks found my official income insufficient. This is an important plus, but risking a little more than other banks, they are more insured, so the percentage of them is higher than that of competitors. In any case, in comparison with the conditions of the MFI, their percentage always suited me.

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Valentina |

I am with a loan from home for the first time I collided in a construction store a couple of months ago, which is convenient - they are directly there a rack, and the girl-manager was sitting, she immediately filed an application for my requests, approval did not have to wait long, so work quickly . I then took a small loan of 120 thousand, took a bathroom, toilet, carpet and a bathroom tile, despite the fact that I used to be approved by the bank from 16.5 percent before, this is a rather favorable option. And all honestly, without hidden commissions. Now I pay a loan ahead of time, they have no problems with it.

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Nina |

I have the impression that we have in parallel 2 different banks home loan. You tell about some honest and decent with minimal percentage and without hidden commissions. I was served 3 years ago in another. I took a loan for a washing machine, I so beautifully the consultant told about the minimum percentages that I did not read signed. As a result, per year paid 2.5 times more! And all because you need to read. Yes, the percentage is small. But there is a fixed monthly service fee loan and insurance is not very small.

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Maria |

For the first time applied to the bank a home loan. As it turned out the easiest way to get a loan in this bank than in any other. It is very convenient that in this bank you can take a loan without collaterals and guarantors, just one document is enough. In this bank took 200,000, for 3 years, I fully arranged a percentage rate and a monthly loan payment. During the day I have already received money, I am very pleased with and paying a loan without any problems. This bank has long established itself, so I turned to an honest, reliable home bank loan, it was one of the main conditions for me. Claims did not arise.

Reply

Lina | Reply

Victoria |

Yes, I agree with you, the percentage of them is high, but so the ability to quickly make a loan for equipment, especially immediately on the outlet, there are few banks. It can be said that here a home-loan is almost a monopolist. They all captured consumer loans in this niche, and supermarkets of electronics with them in one bundle work.

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