Consumer loans are the best solution for financing individuals. The need for money appears often, and it is not always possible to borrow it from friends and relatives. Home Credit Bank offers a consumer loan. The reviews show that for people there are optimal conditions for obtaining money on credit. You only need to get acquainted with the requirements and features of the transaction.
Consumer loans can meet the daily needs of people. They are issued for goods and in cash, and also transferred to bank cards. They are issued at many banks in the country.
About the bank
The bank began to actively develop in the Russian market since 2004, when branches were opened in many regions of the country. Each department has the opportunity to arrange loans and borrowings. Moving from the principles of the work of MFIs, the institution entered the usual banking structure, thereby expanding its area of activity. Since 2007, the bank, which has a license, began to attract free finances from the population by processing deposits. So began to develop auto and mortgage lending.
During the crisis, which peaked in 2009, many banks closed their programs, but Home Credit did issue loans to ordinary citizens. This brought the institution a huge success. After the crisis, this bank holding became one of the largest. Now his clients are legal entities and individuals.
Work with individuals
Home Credit specializes in lending to individuals. There are several directions, so customers can choose any program they need:
- Quick receipt of funds. For example, you need money for everyday needs, but no personal funds. Then lending with "quick money" will help eliminate this problem.
- Get a loan for education, treatment, farming, housing. Debt will be paid back for several years.
There are 2 types of loans for current needs:
- Under the goods. An agreement is drawn up in which monthly payments are indicated. Such loans are issued at Eldorado.
- Cash secured by property.
Lending terms
To get a loan, you need to contact Home Credit Bank. A consumer loan, the terms of which are acceptable to people, is issued very quickly. You can apply online or by phone. The application must indicate:
- FULL NAME.
- Floor.
- Date of birth.
- Telephone.
- Email
It is necessary to tick off the item on the consent of the client to the processing of personal information, as well as obtaining information from the BKI. The decision to grant a loan is made by Home Credit Bank. The consumer loan calculator will help the client calculate the approximate amount of payments, but accurate data can only be provided after processing the application.
Has a Home Credit bank loan calculator. Consumer credit should be issued after its calculation. It is important for the client to know about the conditions, rates, monthly payments.
Documents
To apply for a loan, you must provide a passport. Men under 27 years old will require a certificate from the military enlistment office or military ID. Additionally, another document may be required:
- On the car.
- International passport.
- Pensioner's ID.
- Insurance policy.
To apply for a loan, the client must provide a document of solvency. It could be:
- a copy of the account statement, in which the income and expenses for the last 3 months are registered;
- original title;
- a passport confirming the trip for the last year;
- medical policy;
- CASCO insurance policy.
Bank offers
Home Credit Bank offers several programs. Consumer credit can be issued for any of them:
- "Big money." Up to 500 thousand rubles are issued at 19.9%. An application is considered up to 5 days. Loan term - up to 60 months.
- "Pension." Up to 150 thousand rubles are provided at 19.9%. The contract is executed up to 48 months.
- Refinancing. It is possible to get up to 500 thousand rubles at 19.9%. The maximum term is 60 months.
There may be individual offers that the Bank provides to regular customers of Home Credit. Consumer loans are provided in rubles. Their conditions are detailed in the contract.
Requirements
Requirements may vary depending on the program. But usually clients need to have Russian citizenship, registration, a constant source of income. Loans are issued to citizens aged 18-68 years.
Preference is given to clients with a positive credit history, as well as to those persons who apply to the bank repeatedly. In each program, the requirements may differ, so they should be recognized on the website or in the bank's office.
Rate
To obtain accurate information on the transaction, you should contact Home Credit Bank. Consumer credit, the interest rate of which for each client may be different, is usually issued from 19.9%. For each borrower, the rate will be individual. To find out, you should contact Home Credit Bank. Consumer credit, the interest on which is prescribed in the contract, is issued quickly.
How long is the application considered?
You can apply for a loan in a short time. To apply, it is not necessary to contact the Home Credit Bank. Consumer credit is issued by applying online. It is considered up to 5 days, but usually for a short time. If the decision is positive, then you can visit the bank to sign the contract.
Product Loans
Consumers can apply for a loan for household appliances if they turn to large stores. They are also provided on mobile devices, trips, furniture. The bank’s cooperation with many organizations helped him expand the range of goods that can be issued on a loan.
The registration process lasts about 0.5 hours. The client is offered a period of 3 to 60 months, and the amount of the loan may be in the range of 1.5 - 850 thousand rubles. To obtain a loan, the borrower must have a stable income and experience of 6 months.
Repayment of a debt
You can return funds in various ways to Home Credit Bank. Consumer loans are usually paid using:
- bank cash desks;
- terminals;
- Russian Post;
- electronic systems "Contact", "Rapida", "Eleksnet";
- accounting from work;
- bank card.
Many methods allow you to deposit funds without commission or with minimal fees. In order to pay the loan ahead of schedule, you need to contact Home Credit Bank. Consumer credit will be closed after the application. You need to know the balance that should be paid. This can be done both at the bank and over the phone. With early repayment, the client will be able to save on interest, as the amount will be recalculated without accounting.
Redemption Online
The likeness of a personal account of other banking organizations is considered a credit account. With its help, it will turn out to pay the debt without leaving home. The service will be connected automatically upon signing the contract and indicating the phone number.
No passwords are required to visit your personal account. You can visit it after receiving the money. The service will be convenient for people who live far from self-service machines. It contains all the necessary information on the transaction.
Recommendations
If you plan to travel abroad, it is advisable to make several payments to the account in advance. At the time specified by the contract, funds will be debited. But with early repayment, you must contact the bank.
Each client has a single account. If there is an overpayment for one loan, then the rest of the funds goes to pay for another. Many customers contact the bank more than once. A client with a positive credit history, as well as if more than 6 months have passed since the last loan was issued, will have a better chance of approving the application.
Bank advantages
Home Credit Bank has the following advantages:
- quick clearance;
- flat rate;
- no collateral or guarantors required;
- funds are issued without commissions;
- the client has the opportunity to choose the maturity date;
- several payment methods;
- connection insurance.
You can find a large number of positive reviews about the bank's loan programs . Many clients trust this institution, issuing profitable loans in it. Borrowers are satisfied with the lack of commissions, as well as reasonable rates. It is enough to pay the debt in a timely manner, and then the bank will offer favorable conditions for cooperation.
Advantages and disadvantages of a consumer loan
Before applying for a loan, you should evaluate the pros and cons of such a transaction. Due to the following advantages, consumer loans are chosen by many people:
- Stability. Clients can be confident in the institution, since it has been operating for many years.
- Affordable rates. They are determined by the type, loan term, and also depend on collateral.
- Early payment service. There are no commissions or fines for early depositing funds.
- No hidden fees.
- The terms of cooperation are simple.
- The loan calculator allows you to calculate the rate, monthly payment based on your income.
- Ongoing help to customers by calling the help desk.
But consumer lending has its drawbacks. Not everyone is given large amounts, since it all depends on income. Consumer credit is an easy way to buy the necessary things or services. But a considerable amount is overpaid for this. Therefore, you need to think carefully before drawing up a contract.