Probably, each person has situations when a certain amount of money is immediately needed, but it simply does not exist. As luck would have it, the relatives also have temporary financial difficulties, and friends who could borrow, went on vacation abroad and there is no way to contact them. What to do in this case? Get a loan at any well-known bank, the advertisement of which goes daily through all channels? But it will take at least 2-3 days, and money is needed immediately. There is a solution: you just have to contact Home Capital LLC. Today, the number of customers is constantly growing.
Home Capital LLC: general information
Branches of Home Capital operate throughout Russia: in Moscow, Yekaterinburg, Novosibirsk, Omsk, Nizhny Novgorod, St. Petersburg, Kazan, Rostov-on-Don, Ulyanovsk, Ufa, etc.
According to the rules of the company, which regulate the relationship between Home Capital LLC and individuals (borrowers / clients), the parties must enter into a loan agreement. The loans are issued in national currency, that is, in Russian rubles, and the repayment term depends directly on the type of loan, but cannot exceed 1 year from the date of signing the contract.
The most popular types of loans provided by Home Capital
Clients or borrowers of the company are individuals. When concluding a loan agreement, the client is provided with the amount provided for in the agreement with Home Capital LLC. The loan can be obtained immediately after the application is approved by the client. Money is issued as quickly as possible. The whole procedure takes from several hours to one day.
Home Capital LLC offers the following types of loans to its potential borrowers:
1. Interest non-target.
2. “Express loan” - the amount ranges from 1 thousand rubles to 10 thousand rubles with a daily interest rate of 1.7%.
3. “Classic” - the loan amount varies from 1 thousand rubles to 15 thousand rubles, with a daily interest rate of 1.5%.
4. “Affiliate” - the amount is from 15 thousand rubles to 45 thousand rubles with a daily interest rate of 0.7%.
These types of loans are in great demand among customers of Home Capital LLC. Grateful customer reviews are the best confirmation of this.
Terms of Service
Naturally, it’s impossible to simply come to anyone at the company’s office and ask for a loan. For this, the potential customer must meet the following requirements:
1. The borrower must have citizenship of the Russian Federation.
2. There are age restrictions (depending on each individual branch of the company).
3. The presence of a permanent residence in the region in which the application for a loan is filed.
4. Providing reliable and correct information about the identity of the borrower.
In addition, to receive money you will need to submit some documents:
- passport (original + several copies of it);
- other documents that the company is entitled to demand at its discretion.
How do customers respond about the company?
As for any commercial company, bank, etc., for Home Capital LLC, customer reviews are not an empty phrase. The opinion of each borrower matters. Negative reviews encourage company management to take measures to increase and improve the level of service, development and implementation of new programs and activities of the company as a whole. Positive feedback, in turn, is a powerful incentive for the future development of the company and the desire to achieve new heights.
Clients of Home Capital LLC note the following advantages of the company:
- operational paperwork;
- lack of bureaucracy;
- minimum package of documents;
- there is no need to provide income statements;
- no surety is required.
However, one cannot ignore the negative opinions of borrowers:
- a very high interest rate;
- if the loan payment has been delayed, you will need to pay a considerable penalty;
- Some customers show dissatisfaction with the behavior of company employees.
Despite all the positive and negative aspects of the company, each person has the right to make the only right decision for himself on his own.