Home Credit Bank: customer reviews, service overview, partners, branches

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Today, almost every consumer is afraid to once again get involved with loans or banks, from which the license will be taken away. That is why preference should be given to proven and stable financial institutions that have long established themselves in this industry.

Home Credit Bank, reviews of which can be found both laudatory and dissatisfied, has been known for a very long time and is considered one of the stable organizations. As a rule, it is consumer loans that are issued in it, and with rather favorable conditions. However, the bank is ready to offer its customers other standard products: debit and credit cards. Let's take a closer look at the main products of a financial institution, as well as reviews of deposits at Home Credit Bank.

General information and bank offices

The main activity of this organization is consumer lending. "Home Credit Bank" is registered in the national register, and today operates under a license. If we talk about the features of the work of this financialorganization, it provides consumer loans to all citizens of the Russian Federation who meet the requirements and conditions of the bank.

Home Credit Bank branches can be found in all major cities. For example, in Moscow there are more than 80 offices and divisions. At the same time, 66 ATMs are available to users. Some of them work 24 hours a day. The head office of the organization is also located in Moscow, on Pravda street, 8/1.

You should immediately pay attention that a loan of funds can be issued by people not younger than 23 and not older than 64 years. Additionally, you will need to confirm the source of regular income and provide personal information. Only a person officially registered in the territory of the region in which the loan is issued can receive a loan. However, it is worth considering everything in order and starting with the basic documents that will be required for a loan. The positive or negative decision of the bank employee will depend on how accurately the package of documents is assembled.

What documents do I need to provide

Reviews about Home Credit Bank say that until very recently, this financial institution was ready to provide funds only on the basis of just two documents. Recently, however, the requirements for borrowers have been tightened, which undoubtedly upsets the latter. Nevertheless, one must understand that such measures are dictated by necessity.

As stated in reviews of Home Credit Bank loans, today it will takeprovide a passport of a citizen of the Russian Federation, as well as an additional document. As it, you can use SNILS, a pension certificate, a foreign passport or a driver's license. However, that's not all. Additionally, you will need to prepare a few more papers.

For example, if the borrower is a man under the age of 27, he must show his military ID without fail. Also, all borrowers must provide a document that will confirm their solvency. However, it is worth noting that in this case, according to reviews of Home Credit Bank, many customers praise this organization, since it is not necessary to receive a form 2 personal income tax certificate at work. Instead, it is enough to restrict:

• A statement from your salary account for the last 6 months.
• Original vehicle passport.
• Casco policy or voluntary medical insurance, as well as other documents accepted by the bank.

However, you should pay attention that the list of documents may vary depending on the specific service that the client wants to receive.

How monthly loan payments are made

If we talk about the features of the work of this financial institution, then in this case the bank provides a huge number of options for optimal repayment of monthly loan debt. For example, on a free basis, you can deposit the necessary amounts of money through the cash desk of a bank office. In this case, funds will be credited within 24hours.

Many in their reviews of Home Credit Bank praise the ability to connect online banking. In this case, you can pay the debts by transferring funds from your debit card. However, keep in mind that it can take up to 2 days for the funds to be credited. Also, in many cities today there is a huge number of Home Credit Bank ATMs, which provide the service of depositing cash. They are credited to the credit account within 3 days.

Besides this, it is worth considering other possibilities for replenishing a credit account. For example, if we talk about the repayment of monthly payments through a branch of other banks, then in this case, clients will be charged a commission according to the conditions of a particular financial institution. As a rule, in this case, the transfer can take up to 5 working days, which is also not very convenient. Some transfer money through the offices of the Russian Post. In this case, the delay can be up to 1 week. The fastest way to transfer money is through mobile phone shops Euroset, Svyaznoy and others. Some use the online payment services "Contact", "Rapida" and others.

If necessary, a working bank client can contact the accounting department of his company and ask him to automatically transfer a certain amount of money to a credit account on his payday. However, you need to understand that not all organizations provide such services.

Advantages of Home Credit Bank

If we talk about positive characteristics, then the firstIn turn, customers who have been cooperating with this financial institution for more than a year pay attention to the rather quick consideration of applications. In this case, it is not required to provide any special documents confirming the level of a person's salary. Reviews of Home Credit Bank employees mention that they are polite and readily provide all the necessary information. Sometimes you have to wait in queues, but most often this is due to a large influx of visitors, and not the speed of the teller.

Many are satisfied with the conditions of a fairly long loan term, so you can repay the loan in smaller amounts. As well as in many other financial institutions, Home Credit Bank has conditions according to which the borrower can always repay the total current debt ahead of schedule. In addition, at the time of drawing up the contract, the client has the right to agree with the operator on the most convenient date for making payments. For example, it is convenient for many that this date coincides with the payroll.

Cons of the bank

Those who have previously received a Home Credit Bank credit card, reviews sometimes say that the loan limit is too low. You will not be able to immediately issue the maximum amount without any confirmation of your solvency. Loans in the amount of more than 1,000,000 rubles are issued exclusively to those customers who have been using the services of a financial institution for a long time. Also, only those who have a 100% positive credit history can count on a large loan. If at least once there was a delay orproblems with any financial institution, then you can’t count on a larger sum of money.

The same applies to the interest rate, which directly depends on whether the client applies to this bank for the first time or is already a verified borrower. Also, many people pay attention to the fact that the website of a financial organization is quite difficult to understand. Lending conditions are not presented very conveniently, so it is impossible to immediately understand which product is best for you to issue. For example, many people do not immediately manage to find information about the "Freedom" card with installments from Home Credit Bank. To do this, you first have to go to the section of goods that can be bought with a breakdown of payments, and only there you will find the right button. However, these are not so terrible cons. Much more important is good customer service.

Debit card "Benefit" from Home Credit Bank: reviews and features

This is a classic plastic that is used to pay for purchases and a wide variety of services. It is most advantageous to use such a card on those trading floors that are partners of the bank. It can be the most ordinary stores, Internet services, gas stations and much more.

Among the most interesting partners of Home Credit Bank are popular trading platforms: Lamoda, Technopark, Nord, Kari, Snow Queen. Repair services also cooperate with the bank. For example, you can find good offers from Shatura and many others. You can buy Aeroflot tickets with discounts.

At the same timethe card implies the accrual of certain bonuses. They are connected together with the loy alty program. Among other things, this card can be used to apply for an online loan without any problems. Such small loans may not even be required to make a particular purchase, but in order to acquire a good credit history in order to receive large loans in the future.

Loy alty program

In their reviews of the Home Credit Bank “Benefit” card, many note that it helps to save a lot on purchases. Such services are currently provided to almost any major banks. If we talk about this loy alty program, then it can be compared with the same system that operates in Sberbank and is called "Thank you".

Banks today have to compete. This leads to the fact that everyone is trying to offer customers better offers and interest in pleasant bonuses. According to reviews of the Benefit card, Home Credit Bank is no exception to the rule and constantly pampers customers. In this case, the loy alty program implies a cashback system, when for certain purchases part of the cost is returned in the form of points to the client himself.

Space Card

In this case, we are talking about plastic, which, roughly speaking, can be called a contribution. This card is very popular, because if any amount of money remains on it, then about 4 to 7% per annum is added to it daily. It should be noted that not every bank providessuch interesting conditions and even more so similar interest rates on deposits. At the same time, there are no problems with withdrawing money.

Platinum credit card

Immediately it is worth mentioning several advantages of this offer. If a client issues this Home Credit Bank card, then a rather long grace period awaits him - for 51 days. During this time, he can fully repay the loan taken, and at the same time, he will not have to overpay any interest.

In addition, when using this plastic, it will be possible to receive a cashback in the form of 10% with each purchase. It is also worth paying attention to a fairly decent credit limit, which reaches up to 300,000 rubles. At the same time, it can be constantly renewed. This means that as soon as a person pays off the debt taken from the bank, after that he can again take the same amount.

Funds from this card can also be cashed out, but in this case you will have to pay about 5% from each transaction, and the minimum amount should not be less than 399 rubles. The annual maintenance of such a card will cost 4990 rubles. In this case, the client must also connect to the program called "Benefit". If you use this card to pay for services and goods, then in this case the standard interest rate will be 29.8%.

However, in reviews of the Home Credit Bank card, many people note that it is not worth withdrawing cash from it. The fact is that the overpayment in this case can be up to 50%. In all other respects, this is a very convenient card, which many people use with pleasure.

Gold credit card

In this case, the client will also have access to a grace period for the payment of borrowed funds for 51 days. The same applies to cashback, as well as the limit on loans. Minimum payments are calculated exactly at the same interest rate

Perhaps the only significant difference that exists between these 2 cards is the cost of annual maintenance. For a Gold credit card, you will need to pay about 900 rubles. for 12 months.

Fair Card

In this case, we are talking about the bank's partner - the Yarmarka shopping center. The main advantage of this plastic is that if a person makes purchases in this large store, then in this case he receives a cashback of 5%. And also it can be used for payment in other shopping centers. In this case, the percentage of refunds accrued in the form of points can reach up to 10%.

This is a credit card that can also be used for a loan of up to 300,000 rubles with a grace period. The interest rate in case of payment by the credit card itself will be 29.8%. This is the same condition as for all credit cards. But if we are talking about cash withdrawals, then in this case no more than 4.9% will be charged.

This is one of the cheapest bank cards, since you will have to pay only 490 rubles for its maintenance per year. Additionally, you do not have to connect to the "Benefit" program.

Home Credit Bank installment card: reviews, principle of operation

This credit card is called "Freedom". Many oftenthey confuse it with the Yarmarka product, but they are different. Thanks to the "Freedom" card, the client gets the opportunity to purchase goods by installments for 12 months without any overpayment. That is, if you buy sneakers for 6,000 rubles and divide this amount by 3 months, then you will have to pay 2,000 rubles a month. No more.

In this regard, when buying in installments at Home Credit Bank, customer reviews are mostly positive. Also, many note that the bank's website presents a huge selection of goods at affordable prices and all the necessary calculations have already been made. It remains only to choose the right thing and order its delivery or personally go to the point of issue of goods.

The best part is that you don't have to pay anything for the maintenance of such plastic. Therefore, it is not surprising that many in the reviews of goods in installments at Home Credit Bank leave mostly thanks. However, there are those who are not interested in credit cards. In this case, you can go the other way.

Cash loans

In some situations, money is needed not to make a purchase, but for other purposes. In this case, there is no desire to withdraw cash through an ATM at a high percentage. In such situations, according to reviews of cash loans at Home Credit Bank, this option becomes a real lifesaver.

In this case, the bank has several programs. For example, you can get a cash loan for absolutely any purpose. In this case, you can apply for a loan up to 1,000,000 rubles. You don't have to prove your ability to pay. The payout percentage is10.9%.

You can get a loan with the same interest rate to purchase a personal car. In this case, you do not need to issue a Casco. In reviews of cash loans at Home Credit Bank, many praise this very moment, since insurance is usually imposed by the bank.

With the same interest rate, you can get a loan for repairs. In addition, the bank also provides the issuance of financial resources in cash for the purchase of an apartment or other type of housing. There is also a loan refinancing offer under the financial program. However, in this case, the maximum loan threshold should not exceed half a million rubles. The overpayment percentage will be exactly the same - 10.9%.

Customer reviews of banking products and services

First of all, it's worth saying that many cardholders say that 10 years ago the activity was very different. Some users say that it used to be better, while others, on the contrary, are satisfied with modern innovations. Of course, as in any case with loans, sometimes it happens that clients do not understand why they need to pay off debts they do not understand. As a rule, this happens if, when signing the contract, the borrower did not familiarize himself with all its conditions and did not pay attention to the fact that he must make payments on time.

However, it is worth noting that all such contentious issues, as a rule, are resolved. To do this, you need to contact the bank support service, where you can always clarify the specific conditions for a particularcredit. Reviews of Home Credit Bank employees also mostly contain positive information. Customers are satisfied with the quick response of operators and the fact that you can always call the hotline and ask questions.

However, some people point out that using credit cards is not very convenient for withdrawing cash, as in this case the overpayment percentage is too high. However, you need to understand that the same practice will be absolutely in any other financial institution. In this case, it is recommended to apply for cash withdrawal.

Mostly customers are satisfied with pleasant offers, gifts and bonuses from the bank. For regular customers there are additional discounts, lower interest rates. In addition, many note that the bank has been operating in Russia for quite a long time, so it undoubtedly inspires confidence.

Can I get a loan online

In many other financial institutions, any client can apply online. However, most often after that you still have to personally visit a bank branch and conclude an appropriate agreement. If we talk about Home Credit Bank, then in this case the procedure is greatly simplified for those people who are already customers of the bank or have previously used its loan programs.

To do this, the user must have a personal account of the bank connected. The limit on such loan offers that a regular customer can receive is set by thebank. After that, it is enough to fill out an application online through your personal account. Some time after this procedure, the bank representative will call the applicant and agree on more detailed terms of the transaction. At the next stage, the money will be transferred to the borrower's account. In this case, you will not have to visit the bank branch.

Is it possible to find out the loan decision without waiting for the corresponding message

It often happens that the approval or refusal of a loan has to wait too long. But most often this is due to difficulties in the work of the security service. For example, if some contact phone number of the borrower is not answered or the borrower must confirm the data that raised doubts among the bank employees.

In this situation, it is recommended to try to call the customer support center or use the callback service through the website. During the conversation, you will need to prepare a passport and give all the necessary personal data so that the operator can enter the database and obtain the necessary information. If you do not want to call anywhere, you can use the services of online chat. To do this, you also need to enter the necessary information and wait for a response. You can also visit the office and check the details in person.