Sovcombank has created a new loan product that allows you to buy various goods and services on credit. This is the Halva installment card. Reviews confirm the many advantages of its owners. The program allows you to simplify the possibility of obtaining installment plans for goods. The rules for its design and use will be discussed in the article.
About the bank
Sovcombank is a large financial institution in Russia, ranking 19th in the country's ranking in terms of assets. The organization attracts funds from new customers and creates different products. Now customers are offered many different services: deposits, loans, card issuance. For each program, favorable conditions apply.
Sovcombank became the second in Russia to issue installment cards. Reliability is evidenced by participation in the deposit insurance system. With her, you can safely store your money. Other benefits are also provided.
But is it possible to benefit from the storage of funds? Everyone chooses the appropriate option: one puts money on a deposit, others open a metal account, and still others play in the foreign exchange market. Sovcombank may provide its funds temporarily. Therefore, the Halva installment card was created.
Card concept
Visually, the Halva installment card from Sovcombank is an ordinary bank card with a chip, but it differs in its characteristics. It has a credit limit, which is set individually for each client. Its size is determined based on the analysis of the solvency of the borrower. For registration need a certificate of income.
You cannot cash out funds. The card account is replenished as debt is paid in this way. The card works in partner stores and only with registered interest-free installments. Many are interested in what is the catch of the Halva installment card? In fact, Sovcombank works with trusted companies from which customers can purchase goods. Partners pay commissions to the bank, and the bank receives new customers. And users can purchase goods under optimal conditions. Such cooperation is beneficial to everyone.
Installment plan
You can only buy goods and services from Sovcombank partners. The card has its own website where you can find information about such organizations, as well as installment conditions for each. The limit can only be spent on operations performed by partners; in other stores, you cannot pay.
A card is used in both conventional and online stores. This is a standard payment for goods or services. No additional steps are required. It is enough to choose a product, pay for it. Each partner has its own installment plan - from 1 to 12 months. Usually a period of about 3 months is set.
After the acquisition, information appears on the purchase on credit. The schedule of contributions and the amount of the monthly payment are displayed. You can make many purchases, and each operation will stand out separately.
Rules for registration
The Halva installment card from Sovcombank is provided to all citizens who meet several requirements:
- age - 20-75 years;
- registration and residence in the city of the bank or in a distance of 70 km from it for 4 months;
- employment for more than 4 months;
- the presence of a telephone - mobile or landline.
How to draw up a Halva installment card? To receive it, you should contact Sovcombank with a statement. But you can apply online.
Contact through the site
The reviews on the Halva installment card indicate that it is more convenient to apply online because it is much faster. It must indicate personal information, region of residence and contact information. A bank employee will tell you about the terms of use. There is a check for compliance with the requirements, notification of the list of documents. But to fill out the questionnaire, you still need to visit the office.
After completing the procedure, a Halva installment card will be issued. Reviews confirm the speed of design. Typically, credit history and customer income assessment are checked. It is only necessary to indicate basic information in comparison with other banks.
The decision to provide a card is made 1 business day. The client receives a notification of approval or rejection. Typically, a notification is received by SMS or by call. After receiving, activation of the card is not required.
Documents
The Halva installment card in Moscow and other cities is issued by passport. Sometimes it is required to confirm solvency. Sovcombank asks for the following documents:
- driver's license, pension certificate, SNILS;
- certificate 2-personal income tax;
- paper on property.
Conditions
There are pros and cons to the Halva installment card. They should be considered before designing a bank program. The installment conditions for the Halva card are as follows:
- MasterCard World with PayPass technology.
- National currency.
- The limit is up to 350 thousand rubles.
- The card is valid for 5 years.
- Cash Bask - 1.5%.
The rate is 0%, and after the end of the grace period it is 10%. Installment terms on the Halva card are standard for all - up to 12 months. In case of delay, a penalty of 0.1% applies for each day. Early payment is free of charge.
Of the minuses, a limited number of partners are distinguished. To get a card, you must meet the requirements of the bank. The bank can independently set a credit limit.
The limit amount is approved at the request of the client indicated in the application, as well as on the assessment of its characteristics. The loan is revolving. After paying by installments, the user can receive a similar amount. Although there are pros and cons to the Halva installment card, it still has more advantages.
Renouncement
You can refuse the Halva card. To do this, contact the bank office with an application. Then you need to give the card to the employee who performs its destruction. After 45 days, the account closes.
Partners
When purchasing from partners in installments, the cost of production is divided by the number of months indicated for debt repayment. This figure is the minimum payment. If there are delays and fines, they are included in the mandatory payment.
Partners include:
- "M Video".
- Samsung
- Lamoda.
- "Iceberg".
- Re: Store.
- Sony Center.
- Sela.
Statement
The reviews of the Halva installment card show that its holders receive a statement every month that allows them to control the repayment of the debt. It should contain:
- general information - card number, validity date, limit, debt, delay;
- minimum information - value, final repayment date;
- transcript - the names of outlets, the amount of debt paid and the remaining installment months, all debt.
Statement allows you to track payments, pay the required amount in a timely manner. If you have any questions, it is possible to request transactions. Such operations cost 300 rubles, and investigation and consideration of claims - 1000.
Commissions
The following rates apply on the card:
- no payment for issuing;
- free service;
- early reissue - 450 rubles;
- checking the balance at Sovcombank ATM is free of charge, and in others - 10 rubles;
- replenishment through ATMs - no commission, through the cashier - 100 rubles;
- you can withdraw cash within personal funds;
- transfer to other cards at the cash desk or online - without commission, and to another organization - 2.9%;
- free SMS informing.
You can control your debts and manage your account using your personal account and mobile application. These services are free. The login is indicated in the contract, and the password is issued by SMS after the card is provided.
Repayment of a debt
The reviews of the Halva installment card show that many people use this loan product. You can deposit funds in several ways:
- via online banking;
- from another card;
- through financial institutions;
- via Russian Post.
Only the first option is free. If you use the services of intermediaries or resources that do not belong to Sovcombank, you will have to pay a commission.
Halva card is needed to pay by installments, for which interest is not charged. For this, individual conditions are approved: credit and grace period. The list of bank partners is increasing. Now there are more than 1000 service institutions, restaurants, shops where such cards are accepted. To avoid overpayments, you need to study the conditions and offers of partners, compare prices, and also make timely payments.
Cash withdrawal
Only personal funds can be withdrawn from the card. This is done without commission in special devices. To get cash, you need to go through the following steps:
- insert a card into the receiver;
- enter pin code;
- click on the section "Cash withdrawal";
- enter the amount;
- take a card, money and a check.
Other loans
Sovcombank offers not only installment plans on cards, but also loans:
- Cash loan - from 12%. Customers need proof of income. Pensioners only need to provide a passport and a pension certificate. The amount can reach 100 thousand rubles. It is issued for 12 months.
- A loan secured by a car - from 17%. Loans are issued for different purposes. Their amount is 50 thousand - 1 million rubles. The term may be 12-60 months.
- Loan “For Responsible Plus” - from 19.9%. It is issued to couples and bank customers who have provided a statement of income, a copy of the work book or a diploma of education. The amount may be in the range of 40-200 thousand rubles. The term is 12-36 months.
- “Pension plus” - from 19.9%. It is offered to working and non-working pensioners up to 85 years old. No need to provide certificates and pledges. The amount is 40-299 thousand rubles.
- Standard Plus - 24%. A loan is issued for various purposes. Proof of income is not required. The amount is 40-300 thousand rubles.
Similar options
Such conditions are provided by the “Conscience” installment card from QIWI-Bank. Both products have similarities - the use of funds without interest for payment in partner stores. But there are some differences:
- different tariffs;
- differences in the number and diversity of partners.
Halva card can be used to pay bills. This banking product will help out at any time when you need to urgently buy something, because you can pay later.