There are several ways to repay a Home Credit Bank loan . Each client has the opportunity to choose the most convenient payment option. Let's look at ways to pay a home loan in more detail.
Cash desk
Payment of a loan "Home Credit" can be made at the box office of the bank itself. This operation is completely free. It is enough to go to the nearest branch, give the receipt to the cashier and money. After that, you can safely forget about the loan until the next payment. It is worth recalling that the funds are credited to the account within one day.
post office
Home Credit can also be paid at the Russian Post Office. To do this, you need to visit any branch that carries out transfers under the name "CyberMoney" and make a payment. To do this, you need to fill out a special form for electronic transfer. It is worth considering that a fee will be charged when paying.
Cash desks of other banks
You can pay for a valid loan at any other bank. The basis for the transfer is a payment order from the borrower or payer. In this case, the operation can be carried out with an open account or without it. It all depends on the organization where the payment is made.
Payment of a loan "Home Credit" in this case is as follows:
- The client comes to the office of the selected bank and fills in payment documents.
- If necessary, a new account is opened (each bank has its own characteristics of work).
- Funds are paid at the cash desk immediately to payment or to an open account.
- The customer is provided with a receipt for payment.
- The transfer of funds is based on the data provided. The operation can last up to five business days.
- Each of the institutions has its own procedure for transferring funds, and it may differ. The commission is also established by the organization in which the transfer is made. Therefore, you can check the availability and size of the commission in the bank itself.
Payment through Sberbank
This bank should be said separately, since in addition to the usual transfer through the cash desk, you can pay a loan through other services. The first is Sberbank Online, which makes it possible to make transfers via the Internet without leaving your home. In this case, a Home Credit loan is paid online. A commission of one percent is charged for this operation.
There is also the possibility of connecting a service called "Auto Payment". As the name implies, payment is automatic. To use it, you need to draw up a card at Sberbank and activate the service. After that, it will be enough just to replenish the card once a month, and the loan will be paid on its own. Moreover, this operation is carried out without commission.
Payroll Withdrawals
In addition to the usual methods, a Home Credit loan can be paid out of a client’s salary. In this case, it does not matter at all how it is issued - through accounting or to the card. This is significant only when deciding where to apply for writing off a loan.
The procedure for registration is as follows:
The client specifies to which details transfers are made to the bank.
It submits an application to the accounting department, on the basis of which transfers will be made every month from the salary to pay off the loan.
After accepting the application for work, the payment of the Home Credit loan will be carried out automatically. Do not forget that the employer will not always agree to assume the obligation to transfer and therefore may refuse to accept the application.
If the salary is paid to the card, you can apply at the bank where it is issued.
How to repay through ATMs?
You can make a cash transfer in any Home Credit terminal - paying by credit card or cash, in this case, it all depends on the availability of a bill acceptor at an ATM. The operation will be carried out without commission. The client is identified by the number of the contract or account, there is also the ability to read the barcode. Funds are transferred within three days. In addition, payment of a Home Credit loan through a terminal can be made at an ATM of any other bank, but with a commission.
Payment scheme in the terminal "Home Credit"
In the "Cash-in" menu, you must select "Repayment of the loan."
Bring the barcode to the reader. If this is not possible, enter the contract number.
Deposit cash.
Get a receipt for the operation.
Home Credit Bank - payment of a loan at the Eleksnet, Rapid or Qiwi terminals
You can pay a loan through terminals or electronic wallets. To do this, you need to download the application to your phone and select “Credit Payment”. A commission is charged for the operation. Its dimensions need to be specified in the system.
Eleksnet terminals offer a simple operation. Detailed instructions can already be seen directly at the time of payment. A commission is charged for the service, the amount of which will be indicated when depositing cash. Funds are transferred to the account within two days.
To pay through the Rapid payment system, you need to visit its branch with a passport and details. The client needs to notify the cashier that he has issued a loan at Home Credit, and make the necessary amount. The commission is one percent, but not less than 50 rubles. Funds are transferred within two days.
Home Credit - credit card payment in salons
You can also repay a loan at Euroset, MTS and Beeline stores. If you can cashless payment, you can pay by card. If the payment is made in the amount of less than five thousand rubles, the commission will be fifty rubles, if more than one percent. The funds are credited to the credit account the next day after payment.
For the transfer you need a passport and contract. If you are applying for the first time, the full name, contract number, account number, bank name and phone number are required.
When you apply again, you only have to give a phone number, since a template is created on it, where all the transfer data is saved. If repayment was made through the Euroset salon, the data can be read from the bar code on the check, so it is better to have it with you.
How to repay a loan online?
Like any other bank, Home Credit also has an online banking system that allows you to pay without leaving your home. The funds are debited from the debit card to the credit account. This type of payment does not imply any fees. Funds are transferred within two days.
The payment procedure in this case is as follows:
First you need to go through authorization in the Internet banking system.
1. Select a card to be debited.
2. Indicate the account where the funds will be transferred.
3. Receive an SMS with a code to confirm the payment.
4. Enter the numbers in the system.
5. After that, the money will be debited and credited to the credit account. All operations are performed at a safe level and you should not be afraid that someone else will intervene.
Protection is carried out by receiving SMS on the client’s phone with a confirmation code. If you have a loan at Home Credit Bank, paying a loan online is quick and convenient.
Some tips for the client
If you do not meet the deadline a little, and the payment date is already very close, you should not pay at third-party banks and terminals, as the funds go several days. Due to this, a delay may occur. Well, who wants to pay a one-day late fee? Surely no one. It is best to pay in such a situation at the bank's cash desk or via the Internet.
When paying in other banks or terminals, a fee is charged for the payment, which is established by the organization that accepts the payment. No commissions can be paid only at the cash desk of the bank itself or through self-service devices.
The longest of all is the method of repayment via mail. In this situation, funds arrive within 10 days from the date of payment.