All about car tuning

Home Credit Bank - loan and deposit calculators, history, addresses of branches and ATMs. Reviews about home loan bank Hm loan

  • Branch address: Kolomna (Moscow region), Vokzalnaya, 7 location map
  • Branch telephones:
  • Operating mode:

Korneeva, 1a

  • Branch address: Domodedovo (Moscow region), Korneeva, 1a location map
  • Branch telephones: 88007008006 [24-hour unified information service], +74957858222 [paid hotline - Mon-Sun 24 hours a day], +74996432985
  • Opening hours: Mon-Sat: 09:00 - 20:00, Sun: 10:00 - 20:00

Lenina, 16

  • Branch address: Lobnya (Moscow region), Lenina, 16 location map
  • Branch telephones: 88007008006 [24-hour unified information service], +74957858222 [paid hotline - Mon-Sun 24 hours a day], +74995570455
  • Branch address: Yegoryevsk (Moscow region), Sovetskaya, 107 location map
  • Branch telephones:
  • Operating mode:

Bolshaya Pokrovskaya, 35

  • Branch address: Pavlovsky Posad (Pavlovo-Posadsky district, Moscow region), Bolshaya Pokrovskaya, 35 location map
  • Branch telephones:
  • Operating mode:

Lenina, 34

  • Branch address: Orekhovo-Zuevo (Moscow region), Lenina, 34 location map
  • Branch telephones:
  • Operating mode:

Zelenograd, k1104

  • Branch address: Zelenograd (Moscow), Zelenograd, k1104 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified information service]

Comintern, 17

  • Branch address: Korolev (Moscow region), Comintern, 17 location map
  • Branch telephones: 88007008006 [24-hour unified information service], +74957858222 [paid hotline - Mon-Sun 24 hours a day], +74999954580
  • Opening hours: Mon-Fri: 09:00 - 20:00, Sat: 09:00 - 18:00, Sun: 10:00 - 18:00
  • Branch address: Balashikha (Moscow region), Sovetskaya, 2/9 location map
  • Branch telephones: 88007008006 [24-hour unified information service], +74957858222 [paid hotline - Mon-Sun 24 hours a day], +74996579634, +74996579635, +74996579639
  • Opening hours: Mon-Fri: 09:00 - 20:00, Sat, Sun: 10:00 - 18:00

Mira Avenue, 8

  • Branch address: Fryazino (Moscow region), Mira Avenue, 8 location map
  • Branch telephones: 88007008006 [24-hour unified helpline], +74957858222 [paid hotline - Mon-Sun 24 hours a day], +74957397535, +74957397536, +74957397534
  • Opening hours: Mon-Fri: 09:00 - 20:00, Sat, Sun: 10:00 - 18:00

Luganskaya, 10

  • Branch address: Moscow, Luganskaya, 10 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74992719237, +74992719235, +74992719230

Starokachalovskaya, 5a

  • Branch address: Moscow, Starokachalovskaya, 5a location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74956455223, +74956455524

Komsomolskaya, 1 k1

  • Branch address: Podolsk (Moscow region), Komsomolskaya, 1 k1 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74967567058, +74967567059
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed

Pervomaiskaya, 107

  • Branch address: Moscow, Pervomaiskaya, 107 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74997024725
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed

Oktyabrsky Prospekt, 151/9

  • Branch address: Lyubertsy (Moscow region), Oktyabrsky Prospekt, 151/9 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified information service], +74987120304

Orekhovy Boulevard, 14 k3

  • Branch address: Moscow, Orekhovy Boulevard, 14 k3 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74957273955, +74957273957, +74992771578
  • Opening hours: daily: 10:00 - 20:00

Mozhaiskoe highway, 151

  • Branch address: Odintsovo (Moscow region), Mozhaiskoe highway, 151 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74996579652, +74996579611

Chertanovskaya, 1v k1

  • Branch address: Moscow, Chertanovskaya, 1v k1 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74956518331
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed

Svobodny Avenue, 22

  • Branch address: Moscow, Svobodny Prospekt, 22 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74959267964
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed
  • Branch address: Ramenskoye (Moscow region), Sovetskaya, 1B location map
  • Branch telephones:
  • Operating mode:

Trudovaya, 4a

  • Branch address: Noginsk (Noginsky district, Moscow region), Trudovaya, 4a location map
  • Branch telephones:
  • Operating mode:

Kirovogradskaya, 15

  • Branch address: Moscow, Kirovogradskaya, 15 location map
  • Branch telephones:
  • Operating mode:

Preobrazhenskaya, 2 k1

  • Branch address: Moscow, Preobrazhenskaya, 2 k1 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74997024734
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: 10:00 - 16:00

Grekova, 8

  • Branch address: Moscow, Grekova, 8 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74957395525, +74957395526
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 18:00, Sun: closed

Ozernaya, 42

  • Branch address: Moscow, Ozernaya, 42 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74995570480
  • Opening hours: Mon-Fri: 10:00 - 19:10, Sat: 10:00 - 17:10, Sun: closed

Altufevskoe highway, 86 k1

  • Branch address: Moscow, Altufevskoe highway, 86 k1 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74959263447
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat, Sun: 10:00 - 17:00

Veshnyakovskaya, 20B

  • Branch address: Moscow, Veshnyakovskaya, 20B location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74956691049
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed

Avtozavodskaya, 4

  • Branch address: Moscow, Avtozavodskaya, 4 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74997641993, +74997641994
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed

Profsoyuznaya, 129a

  • Branch address: Moscow, Profsoyuznaya, 129a location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74954191249
  • Opening hours: Mon-Sat: 10:00 - 20:00, Sun: 10:00 - 18:00

Geroev Panfilovtsev, 1/2

  • Branch address: Moscow, Geroev Panfilovtsev, 1/2 map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day]
  • Opening hours: Mon-Fri: 10:00 - 19:00, Sat: 10:00 - 17:00, Sun: closed

Leningradskoe highway, 16a st1

  • Branch address: Moscow, Leningradskoe highway, 16a st1 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24/7], +74957831573, +74957831574, +74957831575
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed

Sergius of Radonezh, 6

  • Branch address: Moscow, Sergius of Radonezh, 6 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74957397655, +74997024709
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat, Sun: closed

Verkhnyaya Krasnoselskaya, 38/19 st.1

  • Branch address: Moscow, Verkhnyaya Krasnoselskaya, 38/19 st1 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74957851542
  • Opening hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: closed

Valovaya, 21 k125

  • Branch address: Moscow, Valovaya, 21 k125 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74959264752 [24-hour unified helpline], +74959599791, +74959599790, +74959599793
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed

1905, 4

  • Branch address: Moscow, 1905, 4 map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74957850862
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: 10:00 - 16:00

Pravdy, 8 k1

  • Branch address: Moscow, Pravdy, 8 k1 location map
  • Branch telephones:+74957858222 [paid hotline - Mon-Sun 24 hours a day], +74956489930
  • Opening hours: Mon-Fri: 10:00 - 20:00, Sat: 10:00 - 17:00, Sun: closed
 Location

Russia Moscow

Key figures

Jiri Šmejc (Chairman of the Board of Directors), Ivan Svitek (Chairman of the Board)

Equity Net profit

▲ RUB 10.754 billion (2011)

Number of employees Main Society

Home Credit B.V.

Website

Home Credit and Finance Bank- Russian commercial bank, one of the leaders in the Russian consumer lending market. The main office is in Moscow.

Story

The bank was founded in 1990 under the name “Innovation Bank Technopolis”. In 2002, a deal was made to purchase Technopolis Innovation Bank by Home Credit Group. On July 16 of the same year, the first loan under the Home Credit brand was issued in Russia. In the same year, the first representative office and the first retail outlet were opened.

In 2003, the bank entered into a partnership agreement with Eldorado and began geographic expansion. In 2004, the bank issued its first credit card and received its first profit for the year. Home Credit sales points were opened in all federal districts of Russia, with the exception of the Far East. In 2005, the bank opened its first cash office and issued its first cash loan.

In 2006, the bank focused on improving its underwriting and anti-fraud systems, and also launched a mortgage lending program. In 2007, the bank became a leader in the credit card market, and was one of the first on the market to conduct the 0-0-24 promotion. Home Credit began to move from a monoliner bank model to a universal retail bank. A car loan program was launched, attracting deposits from individuals and issuing debit cards began.

In 2008, the bank optimized its strategy, responding flexibly to the crisis. The bank focused on cash loans and point-of-sale loans, curtailing mortgages and auto loans. In 2009, the bank entered the payroll projects market, is developing a network of ATMs, and offers clients SMS notification services and Internet banking. Home Credit becomes No. 1 in the point-of-sale lending market.

In 2010, the bank achieved a record profit under IFRS for its entire existence - 9.4 billion rubles. Resumes issuing car loans and active regional expansion. In 2011, the bank continues to develop sales channels, expanding its presence in the regions, attracting agents and brokers to sell its products. As a result, at the end of the year, the volume of cash loans issued exceeded the volume of POS loans.

Owners and management

Chairman of the Board of Directors is Jiri Šmejc. Chairman of the Board - Ivan Svitek.

Activity

Home Credit Bank is active in the retail banking services market. At the end of 2011, HKFB in Russia had 1,273 offices of various formats and 58 thousand points of sale.

According to the reporting of HCF Bank according to international financial accounting standards (IFRS), in 2011 its net profit amounted to 10.75 billion rubles, an increase of 14.3% compared to 2010. The loan portfolio at the end of 2011 amounted to 112.8 billion rubles. .

According to Frank Research Group, as of July 1, 2011, the bank occupied 27.6% of the point-of-sale lending market (1st place). According to Tinkoff Credit Systems Bank, Home Credit accounts for 3.8% of the credit card market (7th place).

At the end of 2011, the bank became the leader among private retail banks in terms of absolute growth in the loan portfolio. As of December 31, 2011, the share of overdue loans at HCFB was 5.8%.

The bank is rapidly increasing the share of deposits in the structure of attracted funds. At the end of 2011, the growth in the volume of retail deposits at HKF Bank amounted to 260%.

According to research by the ROMIR holding, Home Credit Bank ranks 6th in terms of visibility among Russian banks.

Key performance indicators

Social politics

Kindergarten "Orangereya"

In the office complex of the Obninsk representative office of Home Credit Bank there is a kindergarten “Orangereya” for the children of employees. This is one of the first kindergartens in Russia located in the office where parents work. Education of children of different ages is carried out according to the Montessori system, which is based on an individual approach to each child, depending on his capabilities and motivation.

Improving financial literacy

Home Credit Bank is actively working to improve the financial literacy of the population. Implementing this program since 2008, the bank conducts master classes with experts in regional cities, together with the association of regional banks “Russia” it issued a “Borrower’s Guide”, and also held a competition among journalists for the best material that helps improve the financial literacy of Russians.

"48 hours"

In the spring of 2011, Home Credit Bank was the first on the market to introduce the “48 hours” service, which allows borrowers to change their mind and cancel the loan within two days, paying interest only for the actual time of its use.

Charity

Since 2009, Home Credit Bank has been implementing the Blue Bird charity project. According to the bank, the goal of this project is to help talented and promising school graduates in difficult social and economic circumstances make the right choice - to enroll in a university and receive a higher education. By demonstrating good and excellent academic performance, program participants receive a scholarship throughout the entire period of study. In addition to paying scholarships, the bank gives gifts and also organizes various trainings and events to encourage academic success.

Since September 2011, the program has been operating in 8 regions of Russia, including: Kaluga, Sverdlovsk, Volgograd, Murmansk, Leningrad regions, Altai Territory, the Republic of Karelia and Bashkortostan.

Trade union

On December 9, 2009, the bank created a primary trade union organization (PTU) of the all-Russian trade union of office and managerial personnel, creative and intellectual workers “TOGETHER”. After Ivan Svitek was notified of the creation of the trade union, the chairman of the PPO and members of the trade union committee were given notices of layoffs.

In response to a request from Vedomosti regarding the created trade union, the bank’s press service sent the following message to the editor:

“The Bank actively maintains an atmosphere of open communication with all its employees through constant direct communication within the company. This atmosphere not only motivates and focuses our employees on results, but also provides comfortable working conditions and develops its corporate culture. The process of communication with employees is permanent, is key to the bank’s policy and does not depend on the presence or absence of trade unions.”

According to the chairman of the PPO bank, the reaction of the bank management to the creation of the trade union was aggressive:

“Since the bank has Czech roots, I assumed that the attitude towards the trade union movement should be rather European and democratic. But the reaction was aggressive. I was pressed for several hours by the security service, as if I were being interrogated by the Gestapo. They called people with whom I communicated. They said straight out: there won’t be any trade union in the bank - they will find a reason to fire all union members.”

Criticism

Rospotrebnadzor also filed claims against the bank for the inclusion in the loan agreement of a condition regarding contractual jurisdiction at the bank's location in Moscow. Following the emerging judicial practice, in 2010 the terms of contractual jurisdiction were also changed by the bank.

In May 2007, a deputy from the A Just Russia faction, Oleg Shein, submitted a parliamentary request to the General Prosecutor's Office and the FSB with a request to investigate the bank's activities for fraudulent activities. In his parliamentary request, Shein expressed concern that the victims of dubious, from his point of view, credit schemes could be the poorest citizens, who constitute the main target audience of Home Credit Bank. Based on this request, a prosecutor's inspection was carried out, as well as inspections by the antimonopoly service and the Bank of Russia. Based on the results of the inspections, no violations were identified in the bank’s activities.

Bank positions in ratings

No. 1 in terms of return on assets - RIA Analytics.

RA "Expert":

№ 3 by volume of issued cash loans and POS lending;

№ 3 among the top 20 banks by volume of cash loan portfolio and POS lending;

№ 5 in the top thirty retail banks;

№ 20 in the top thirty largest banks by the size of attracted deposits from individuals.

Kommersant Magazine - Money:

№ 32 among the largest banks in Russia in terms of net assets.

Notes

  1. Help Banki.ru
  2. Home Credit Bank's net profit for 2011 increased by 14.3%
  3. The net profit of Home Сredit & Finance Bank at the end of 2004 amounted to 407 million rubles against a loss of 243 million rubles at the end of 2003
  4. Easy mortgage from Home Credit
  5. Credit card market growth has slowed
  6. HKF Bank launched car loans
  7. Home Credit Bank began accepting time deposits
  8. Home Credit Bank entered the salary projects market
  9. Home Credit launched an online bank
  10. The leader has changed in the Russian express lending market
  11. Home Credit Bank's net profit for 2010 amounted to 9.4 billion rubles
  12. Home Credit Bank plans a grand expansion of its regional network to 2,500 branches
  13. Vasily Kudinov. “In Russia we may have 60 million clients,” Andrey Lykov, Chairman of the Board of Home Credit and Finance Bank // Vedomosti, No. 205 (1979), October 30, 2007
  14. In 2011, HCF Bank increased its profit according to IFRS by 14.3%, its loan portfolio by 1.5 times
  15. HKF Bank cashed out loans
  16. Markets and ratings
  17. TKS Bank: the Russian credit card market grew in 2011 by 61.6% to 367.8 billion rubles
  18. Leaders in the consumer lending market among private banks
  19. Inflation: historical lows do not cancel risks
  20. Civic funding

Home Credit Bank occupies a leading position in the Russian financial retail market. It is in the TOP 10 for loans to individuals and ranks first in the consumer loans market at points of sale. On this page we present the main banking products of this financial institution.

All banking products

Home loan loan

To complete an online application and receive a loan, you Just a passport is enough.

Basic conditions

  • Amount from 10,000 to 500,000 rubles for new clients
  • Amount from 10,000 to 990,000 rubles for those who are already clients of the bank
  • Duration from 12 to 60 months
  • Rate: from 7.9 to 24%
  • No certificates, only passport

Requirements for the borrower

  • Age: 22 to 70 years old
  • Citizenship: Russian Federation
  • Constant source of income
  • Registration or place of residence in the region where the loan is provided
  • Good credit history

Installment card "Freedom"

The installment card from Home Credit Bank compares favorably with its competitors in that the installment plan is valid in any store, and not just in a partner store.

Installment terms from Home Credit

  • Installment period – up to 10 months (for purchases in partner stores) or up to 51 days (in other stores);
  • Card servicing is free;
  • SMS package – 2 months free, then 99 rubles per month.

The card also has two pleasant bonuses.

  1. Skip the next minimum payment (free);
  2. Extension of installment plan for 10 months (RUB 1,490).

Debit Card - Benefits

A debit card from Home Credit Bank with the possibility of free service, free cash withdrawals from any ATM in the world 5 times a month and accrual of 7% per annum on the card balance make this card very attractive for daily use.

Main advantages

  • Free card delivery by courier
  • Instant card replenishment no commission in internet banking
  • Cashback is awarded using Benefit program points. 1 point is always 1 ruble
  • Free service with a balance of 10,000 rubles. or transactions in the amount of RUB 5,000 or more. per month, in other cases 99 rubles. per month

Basic conditions

  • Annual interest rate on daily balance
    • 7% - with a balance of less than 300,000 rubles and making purchases worth at least 5,000 rubles per month
    • 3% - for the amount exceeding 300,000 rubles and making purchases worth at least 5,000 rubles per month
    • 0% - in other cases
  • Cashback "Benefit"
    • up to 10% cashback on purchases from bank partners
    • 3% — on purchases in cafes, gas stations and travel
    • 1% - on any purchases
  • Monthly account maintenance fee
    • 0 ₽ if the amount of purchases on the card exceeds 5,000 rubles or the balance on the card exceeds 10,000 rubles, or if the card is issued as part of a salary project
    • 99 ₽ in other cases
  • Additional benefits
    • 0 ₽ — top up your account in the Internet bank and in the mobile application
    • No commission cash withdrawals from any ATM in the world – 5 times a month

Why choose Home Credit

The bank attracts clients of different social status due to its wide range of products. Here you can get a small loan to purchase goods in stores or a larger amount for personal needs. For wealthy clients, the bank has prepared offers to receive status cards with beneficial options, such as a purchase insurance program, urgent medical or legal assistance, receiving cashback or participating in a bonus program.

When applying for loan products, a Home Credit Bank client can always count on participation in financial protection programs. In case of difficult situations, the bank will help to extend the loan term in order to reduce the payment amount, provide credit holidays or the opportunity to skip the monthly payment.

A large proportion of bank clients are depositors. Opening a deposit with Home Credit Bank is beneficial due to flexible conditions and competitive interest rates. Clients can be confident in the safety and security of their funds, since all client deposits are insured in accordance with the all-Russian deposit insurance system for individuals.

Assistance and participation of the bank in the social life of society

In addition to products and services in the financial field, the bank is actively involved in the social life of the community. Work is constantly underway to improve the financial literacy of the population - special materials for borrowers are produced. The Bank cooperates with journalists who are ready to share the best materials that help improve the financial literacy of Russians.

Since 2009, Home Credit has been participating in a charity program aimed at helping graduates obtain higher education. Assistance is provided to those children who find themselves in difficult social and economic conditions.

For almost two decades now, Home Credit Bank has been constantly improving and improving its services, trying to meet its clients, to be reliable and profitable.

Home Credit Bank Summary

Home Credit Bank was founded in 1992 and over the subsequent years of operation it has achieved one of the leading positions in the Russian market in the field of consumer lending. The network has more than 1,000 ATMs and about 300 offices and representative offices in Russia, whose employees are always ready to provide competent advice and help in obtaining loans, credit cards and other banking products. Which is not surprising, since one of the main strategic directions for the bank is the development of customer service.

Home Credit Bank official website

Olga |

I have been using the bank's services for a very long time. Never had any problems. I have an installment plan and a consumer loan from this bank, it’s convenient to pay for them through the application, and in the application you can find any information on the loan. I would like to express my gratitude to the support service, they will always help and advise in any unclear situation. I really like the service at this bank.

Answer

Ivan |

I have been using the services of this bank for a long time. By the way, before, about 7 years ago, everything was much worse. With the first loans I suffered from grief: D But nothing, the bank is developing, and at the same time the service does not stand still. Sometimes I even recommend it to my friends) It’s a small thing, but it’s nice: when concluding a loan agreement, you only need to sign two pieces of paper) They freeze jars with a ton of paper. Here, take an example!

Answer

Love |

Hello. I need a loan of 40 thousand rubles urgently. Help me complete it.

Answer

    Irina |

    So no one here formalizes anything. This section provides only introductory information about the services provided by the bank. You need to go directly to the bank's official website. There probably is a form for submitting an online application. Just fill it out and press the button. That's exactly what I did when I took out the loan. A bank employee personally called me and approved the application.

    Answer

    Andrey |

    We took out a consumer loan from Home Credit Bank, as described in the article, you need a minimum package of documents, although not quite, we had to run around a little; there were problems with proof of regular income, because... I got a job relatively recently. In general, everything is cool, I’m slowly paying off the loan, more than half of it already.

    Answer

      Paul |

      I didn’t like it, I applied for a TV loan right at the electronics supermarket, it was quickly processed, and the money was immediately transferred to the store. Noah, to be happy, didn’t immediately read the contract, but when he started paying, he realized that it would have been better for me to take cash from another bank. And the percentage is high, and there is a commission, and they also forced me to take out insurance. Overall, I overpaid about 40 percent for this TV. It's my own fault, I should have calculated everything first.

      Answer

      Anna |

      To be honest, my last attempt to cooperate with Home Credit Bank was a fiasco. I once took out a loan, I liked everything, everything was processed promptly, quickly and at a normal interest rate. Then I decided to open a debit card, sent an application online, they called back right away and said it would be available in 2 weeks. I wait two weeks, a month. I called the call center. They said they would sort it out. After 2 weeks I received an SMS that my card was cancelled!! I sent another request to have it sorted out.

      Answer

      Tatiana |

      I agree that the staff is competent and polite, plus their customer focus is at a high level, but I didn’t notice low loan rates there. They approve large amounts if you meet the documents and the CI is in order, but a rate of less than 25% in Home Credit is nonsense. Salaries are lower, but, also, if you compare the market, then interest rates are far from the lowest. On the other hand, they have a good reputation compared to most large banks. I have never heard of them coming up with some incomprehensible commissions or deceiving anyone. Suitable for salary earners and those for whom service is more important than cost.

      Answer

        Anton |

        You can listen to my story then. I had a loan, and at a fairly high interest rate. I decided to pay it all off in one fell swoop, checked the amount with the manager, and closed everything. Six months later I decided to apply to another bank, but I received a refusal! I started to find out what the reason was, it turned out that my CI was damaged by HomeCredit Bank! I called, the hotline said that there was no debt, I sent a request, they sent an answer that there was no debt, but because there was only one!!! payment was made late 2 days I was blacklisted! I sent an email to the main office and am waiting for a response.

        Answer

          Paul |

          I would like to know the continuation of your story. Something similar happened to me recently, only with a credit card. I wrote an application for closure and paid everything. And suddenly I receive SMS messages a month later that I owe the bank money for the service, I also wrote a request when they didn’t answer.

          Answer

          Egor |

          The bank appreciates this for its great loyalty; it has twice approved a loan for me in situations where other banks considered my official income insufficient. This is an important plus, but risking a little more than other banks, they also insure themselves more, so their interest rate is higher than that of their competitors. In any case, in comparison with the conditions of MFOs, their percentage has always completely satisfied me.

          Answer

            Valentina |

            I came across a loan from Home for the first time in a hardware store a couple of months ago, which is convenient - they set up their counter right there and the girl manager was sitting there, she immediately submitted an application at my request, I didn’t have to wait long for approval, so they work quickly . I then took out a small loan for 120 thousand, took a bathroom, toilet, carpet and tiles for the bathroom, despite the fact that I had not been a client of the bank before, they approved me from 16.5 percent, this, in my opinion, is a pretty profitable option. And everything is fair, without hidden fees. Now I’m paying off the loan ahead of schedule, they don’t have any problems with it.

            Answer

              Nina |

              I have the impression that we have 2 different Home Credit banks operating in parallel. You are talking about something honest and decent with minimal interest and no hidden fees. I was serviced in another 3 years ago. I took out a loan for a washing machine, the consultant told me so beautifully about the minimum interest rates that I signed without reading. As a result, I paid 2.5 times more in a year! And all because you need to read. Yes, the percentage is small. But there is a fixed monthly fee for servicing the loan and the insurance is not small.

              Answer

              Maria |

              This was my first time contacting Home Credit Bank. As it turned out, it was easier to get a loan from this bank than from any other. It is very convenient that in this bank you can take out a loan without collateral or guarantors, just one document is enough. I took out 200,000 from this bank for 3 years, I was completely satisfied with the interest rate and monthly loan payment. Within a day I already received the money, I am very happy and repay the loan without any problems. This bank has long established itself, so I turned to an honest, reliable Home Bank Credit, this was one of the main conditions for me. There were no complaints.

              Answer

                Lina| Answer

                  Victoria |

                  Yes, I agree with you, their interest rate is high, but few banks provide the opportunity to quickly obtain a loan for equipment, especially right at the point of sale. We can say that Home Credit is practically a monopolist here. They have everything covered in this niche of consumer loans, and electronics supermarkets work together with them.