Home Credit Bank is one of the leaders in lending to the population of the Russian Federation. You can get a loan not only in a bank branch, but also in various shopping malls (targeted loans for the purchase of certain goods), car dealerships.
Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.
It's fast and IS FREE!
How to get money to buy a car, and what documents are required for this, read on.
About bank
Home Credit Bank was founded in 2002 and by the beginning of 2019 had gained wide popularity. Due to the availability of loans and other offers, the bank's customers currently include more than 30 million people.
In addition to issuing loans, the bank is engaged in:
- maintenance of settlement accounts of individuals and enterprises;
- maintenance of cards, including payroll projects;
- work with deposits;
- insurance.
Bank branches and points of sale banking products are located in more than 2000 cities of Russia.
Conditions for car loans at Home Credit Bank
The main programs offered by the bank are:
- loan in cash. The borrower can spend the money received at his discretion, including the purchase of a car;
- target loan for the purchase of a specific product (furniture, household appliances, clothing, and so on). Under this program, purchase auto vehicle it is forbidden.
Thus, an analogue of a car loan in Home Bank is a loan program that implies the issuance borrowed money in cash.
A loan from Home Bank is issued on the following conditions:
The loan is issued exclusively Russian rubles. The bank takes approximately 1 hour to review the application.
The advantages and disadvantages of car loans in Home Credit Bank can be determined by the following factors:
- quite high interest rate. The Bank does not take part in the preferential car loan program and cannot offer its customers more profitable terms;
- upon receipt Money there is no need to pledge a car, which leads to the possibility of independent disposal of the acquired property;
- the acquisition of a CASCO policy is also not prerequisite. Need additional insurance the car is determined by the client independently;
- no down payment;
- you can purchase any vehicles or special equipment;
- the bank does not charge a commission for the issuance of borrowed funds;
- The bank provides many different ways to pay off debt.
What documents are needed
Individuals can get a car loan if the following conditions are met:
- the presence of citizenship of the Russian Federation;
- registration and residence in the region where one of the bank's branches is located;
- age - 18 - 68 years;
- having a permanent income;
- having a good credit history.
In, the amount of which does not exceed 300,000 rubles, includes:
- the passport;
- the second document of the borrower's choice: driver's license, pension certificate, foreign passport, insurance certificate.
If a pensioner acts as a borrower, then the provision of an appropriate certificate is mandatory.
For a loan of more than 300 000 rubles additional proof of income is required.
Such a document may be:
- statement from the current account;
- CASCO policy issued for the purchased car.
Additional collateral for a loan can be issued in the form of collateral:
- purchased car;
- immovable property owned by the borrower.
To draw up a pledge agreement, you will need documents confirming the right of ownership:
- Title (if the vehicle is the collateral);
- certificate of registration (if the collateral will be real estate);
- purchase and sale agreement, donation agreement, certificate of inheritance.
The document confirms the legality of the transfer of ownership of the subject of pledge.
Registration procedure
The main stages of registration from Home Bank:
- Preliminary. You can make a calculation on online calculator can be done in two ways:
- based on the amount and term of the loan;
- based on the loan amount and desired monthly payment.
For example, with a loan of 300,000 rubles issued for 3 years, the monthly payment will be 12,381 rubles, and the total overpayment on the loan for the entire period of use will be 145,716 rubles.
- Applying for a loan. You can apply at the bank office or online. For it is necessary to indicate in the proposed form:
- Name and gender of the borrower;
- date of birth;
- passport details;
- room mobile phone and a personal email address for communication.
- The received application is considered by the bank employees for a maximum of 60 minutes, after which decision communicated to a potential client.
- To draw up a loan agreement, the borrower must personally contact the bank office and provide the originals of the requested credit institution documents.
- After the conclusion of the agreement, the funds in the amount specified in the loan agreement are credited to the borrower's account and can be used for any purpose.
How to pay off debt
Debt repayment is made according to a special schedule, which is an annex to the loan agreement.
Debt payments can be made in the following ways:
- online on the bank's website. Depending on the payment system of the card, the size is determined additional commission. For Visa cards, the commission is 1.3% of the transfer amount. For Master card - 0.6%;
- online with personal account in the Internet banking system. Commission is not charged;
- through the My Credit service. The amount of the commission is similar to the amount when paying on the website of a credit institution;
- through Cash-in ATMs owned by Home Credit Bank (no commission is charged);
- through the cash desks of any banks. The amount of the commission depends on the tariffs of the credit institution;
- automatic transfer from salary card serviced by a bank;
This service is available exclusively to bank customers. For automatic replenishment credit account from a debit salary card, you must personally apply to the bank to debit funds.
- through the services Gold Crown". The commission for transferring an amount less than 5,000 rubles will be 50 rubles. When transferring a larger amount, the commission will be calculated as 1% of the transfer amount;
- at the Russian Post Office. To make a payment, you need to know the details of the bank and credit account;
- through payment system"Rapida";
- through the terminals of the Eleksnet system;
- funds from the electronic wallet of the Qiwi system.
Each borrower has the right to independently choose the most convenient way for him to pay the debt under the loan agreement.
The main thing is to transfer funds without violating deadlines payment, since the bank will charge penalties in the amount of 0.2% of the amount of the resulting debt for late payment.
Penalties will be accrued daily until the receipt of the debt necessary for repayment sum of money to the borrower's account.
Subsidiary structure of the Czech Home Credit group. It was registered in 1990 in the city of Zelenograd, in 2002 it became the property of Home Credit Finance A.S. The head office is located in Moscow. The main specialization of the bank is the provision of consumer loans individuals, lending to buyers at the places of purchase of goods, issuance credit cards. The bank also offers unsecured car loans.
Car loans from Home Credit Bank
The bank offers different options that may suit those who decide to purchase a new or used car. They all have one thing in common non-targeted loan, that is, you do not need to necessarily draw up CASCO, make an initial fee, choose between a new and used car, be limited to a certain brand of car.
The most favorable conditions are provided to regular customers (those who managed to form a positive credit history in the bank).
Cash to buy a car
Non-target loan, in which it is not necessary to draw up a car pledge agreement with the bank.
- For customers who applied to the bank for the first time, the amount ranges from 30,000 to 500,000 rubles.
- Regular customers can borrow from 10,000 to 1 million rubles.
- Rate from 12.5% (for new customers - from 14.5%).
- A loan can only be issued with a passport.
- Loan terms from 1 to 7 years for regular and up to 5 years for new customers.
Card with credit limit
Although the interest on the card is higher than that of a cash loan, the requirements for borrowers are more loyal, and therefore it can be a good option for those who do not have enough money to buy a car.
- Amount up to 300,000 rubles.
- The rate is 29.8%.
- Registration takes only 15 minutes.
- From the amount of purchases, bonuses are returned to the card, which can be spent on new purchases.
What are the requirements of the bank to the client
- Citizenship of the Russian Federation.
- Age 22-70 years (for a cash loan, the limit is 64 years maximum).
- The presence of a constant source of income in the amount that allows you to repay the loan.
- Mark of permanent registration in the passport.
- The actual address of residence in the region where the bank has an office.
- Positive credit history both in general and in Home Credit Bank.
- At least 3 months of work experience at the current job.
- You must provide a fixed work phone number and a personal mobile number.
- The loan can be obtained by a pensioner.
Required documents
The package of documents depends on the loan amount. You will definitely need a passport of the Russian Federation, in addition, you may be requested:
- SNILS.
- Employment history.
- Income statement.
- Pension certificate (if any).
On this page, the portal user can get acquainted with car loans that can be issued at Home Credit Bank. In the list of offers to the site visitor is available short information for each product: maximum term and amount, interest rate, minimum down payment. Inside the card of each program, you can see detailed current conditions for obtaining a loan. Including the requirements of the financial institution for potential borrower: age, work experience, place of permanent registration, as well as a list of documents provided. In order to understand whether you have the opportunity to take a car loan at this rate, you need to carefully read the above parameters. If there is a “Submit Application” button next to the program description, the user can save his time by using this service. When the client submits the questionnaire online, the bank informs the preliminary decision by phone.
Today, having a car is a necessity. With its help, a person can significantly increase the speed of movement and have time to implement all the plans planned for the day.
Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.
It's fast and IS FREE!
However, the vehicle is expensive. Not everyone can afford to own a car.
In this case, the Home Credit car loan service can come to the rescue. The option offers to use the bank of the same name.
The organization has a long history of Russian market Finance and has already managed to establish itself positively.
However, before you start using the company's capabilities, you need to carefully study all the nuances of interaction.
About company
Home Credit was founded in 1990. However, at that time the organization belonged to other owners. In 2002, the organization changed its leadership, after which the institution began to actively issue loans to individuals, which filled the population of the Russian Federation.
Today, Home Credit aims to become a one-stop institution where you can get loans of any kind.
The organization not only lends money, but also accepts deposits. In addition, active work is being carried out in the direction of the development of credit cards and consumer loans. Offers institution and car loans.
Requirements
It is obligatory to present a passport. 2 other documents a person can choose independently from the available lists.
As the first paper, the client can present:
- SNILS;
- international passport;
- driver license.
There is a separate list for the second document.
A person can choose paper from the following list:
- certified bank statement;
- CASCO in the amount of at least $5,000;
- international passport;
- VHI policy;
- certificate of registration of real estate owned by the borrower.
It is not required to confirm the amount of income in the organization.
However, the client must have a document that would allow the company's specialists to get an idea of the approximate level of monthly wages client.
Receiving funds
Capital in Home Credit Bank is issued at the cash desk of the organization. There is no other way to receive funds.
Loan repayment methods
There are several ways to make payments to the company. The client can use the services of the organization or resort to the capabilities of third-party systems.
If a person has chosen option 1, actions to deposit funds can be performed using:
- cash desk of the institution;
- organization's ATM;
- automatic transfer from a salary card;
- using internet banking.
Vehicles such as cars have long ceased to be a luxury. The need for their use is constantly growing.
Since not everyone can buy a car for one salary, and saving money sometimes becomes very difficult, in our time, car loans are in great demand in financial institutions. After all, then such a valuable acquisition can be made as soon as possible and use the car right now.
Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.
It's fast and IS FREE!
Modern banks offer many different programs and tariffs to improve the convenience of customers. Among their diversity, everyone can find the right one for themselves.
How to issue
Home Credit Bank cares about its customers. The organization constantly holds a variety of promotions and draws. For regular customers there are individual programs.
To apply for a car loan at Home Credit Bank, you need to go through several stages:
- The terms of lending in this bank are constantly being improved. Therefore, the future client should first go to the website of this financial institution and find out about all the offers and conditions there.
- There is an online calculator on the bank's website. It can be used to calculate monthly payment. To do this, you just need to enter basic data on the loan and the loan amount.
- collect all Required documents. They will be needed already at the time of application, as well as for the final processing of the loan. Their list can also be found on the Home Credit Bank website.
- An application for a loan can be filled out directly on the site. You can also do this at any branch of the bank.
- Sign loan agreement after the approval of the application.
- To buy a car.
Thanks to such a car loan system at Home Credit Bank, a client can buy a car not only in the salon, but also from its previous owner. The bank has no restrictions on used cars.
Required papers
Getting a car loan from Home Credit Bank is not at all difficult. it financial institution requires minimum conditions from customers.
Borrower must:
- be of age at the time of the loan from 23 to 64 years old;
- be registered in the region where the loan is taken;
- have a permanent place of work;
- good credit history;
- take out insurance (optional).
The bank does not require a certificate confirming income, but the client must have documents that confirm his solvency
The main document that will be required to obtain a car loan at Home Credit Bank is a passport. It must be registered.
In addition to a passport, the borrower will also need two additional documents. The client of the bank can choose them independently. There are two lists for this.
The first one includes:
- SNIS;
- international passport;
- driving license.
In the second list you can find the following names:
- statement from the client's account, which was certified by a representative of the bank (original);
- CASCO in the amount of at least $5,000;
- the borrower's passport;
- VHI policy;
- certificate of registration of own property.
You can note the simplicity in obtaining a car loan at Home Credit Bank. He doesn't demand too much from his clients.
Current offers on various conditions
Home Credit Bank provides its customers with various conditions for car loans. Among them, each client of the bank will be able to find the most suitable program.
Without CASCO
There has long been an opinion that it is better to take out car loans without compulsory policy CASCO. This is supposed to be a big money saver. But this is not entirely true. This simplicity contains some dangers.
But first, here are the positive features of a car loan without CASCO:
- the client saves money on insurance that he does not need;
- car insurance is a purely personal matter of the owner (he can decide where and when to do it);
- there is a service of early repayment of the loan;
- insurance can be paid in down payment.
But here you can also find negative sides:
- without insurance, a higher interest rate awaits the client (banks are forced to take this step to cover the risk of non-payment of the loan);
- in such cases, the first installment on the loan may be half of the total amount;
- if a car that was bought on credit without a CASCO policy is stolen, its owner will have to return the entire loan amount on their own;
- also with the help own funds the car owner will need to repair his car in the event of an accident;
- the owner of the car will only make his transport more expensive if he decides to take out insurance on his own;
- most often loans without CASCO are taken for used cars.
Even with the naked eye it is clear that the arguments "against" exceed the arguments "for". But for those who still do not want to pay additional CASCO, there are simple user cash loans.
In this case, the bank does not care if you are insured or not. And with these funds you can buy everything. Whatever your heart desires.
Without collateral
The standard condition for car loans in all banks is that the bank is the owner of the car until the loan is fully repaid. That is, if the loan funds are not paid, the bank can take the car. But there are situations when financial institution does not require a deposit.
Doing it the bank is coming for serious risks. Therefore, he needs to compensate for this with something. Firstly, he may require a guarantor instead of a pledge. Secondly, there are exceptional cases when neither collateral nor guarantors are needed.
But in such cases, you should always be prepared for the fact that the bank will compensate for its risks at the expense of the client. After all, car loans are issued in quite large sums, and the percentage of their non-return is huge.
The borrower will have to seriously overpay. And it’s also good if there is CASCO insurance. Then at least it will not be necessary to pay for repairs, compensation to the injured party in the event of an accident, and so on.
Therefore, do not believe in the myth of "preferential" loans. The bank compensates its expenses by high interest, a huge down payment and significant penalties in case of late payment. In this way, financial structures compensate for those loans that cannot be repaid even with the help of collection companies.
To get a car loan from Home Credit Bank without collateral, you need to prepare the following documents:
- statement;
- the passport;
- identification code;
- work book (photocopy);
- certificate of solvency.
For a used car
Those who understand cars and can correctly assess the condition of the vehicle should consider purchasing a used car. If the required amount of funds is not available, then you can always take a loan from a bank.
Before you decide to take a loan for a used car in Home Credit Bank, you should know the following:
- a loan is issued for used cars of a certain age (for domestic cars, this is 5 years, for foreign cars - 10 );
- a borrower who decides to take a car loan, and not a consumer loan, will be presented with an interest rate several points lower than usual;
- a target loan for used cars is provided only in those organizations that have agreements with the bank (this is not profitable on the other hand, you can buy the same car from private traders at a lower price);
- the borrower will not be able to sell the car until the loan is paid in full, as it immediately becomes the collateral property of the bank;
- CASCO insurance is almost always a mandatory element of such a loan.
No down payment
For many who want to take out a loan, the down payment can be a big hurdle. After all, sometimes it can be more than half of the total amount.
Therefore, borrowers are trying to find auto loans without a down payment. Thanks to this, the purchase can be made without saving money, which means quickly and at the time when the most tempting offer was found.
It is for such clients that banks create special programs in which the down payment is zero.
For new transport
Buying a new car is a dream for every driver. After all, a car without a run is more reliable. What to say about attractiveness appearance new car. It can't even be compared to a used one.
To buy new car for a loan at Home Credit Bank, you just need to submit an application on the website of a financial institution.
Within a few minutes, bank employees will contact you by phone and provide all the necessary qualified assistance.
Special programs
Home Credit Bank provides its customers with a range of special credit programs for buying cars:
The bank also has partnership agreements with various car showrooms. Therefore, the client will always be aware of the promotions and offers that are waiting for him there.
Loan processing is carried out according to traditional standards. The client in the salon chooses a car for himself, takes the documents there and goes with them to the bank. There you need to provide all the necessary documents, and wait for a positive decision.
Waiting time should not exceed 5 days from the moment of application, and after this period, the loan money should come to the account
How to pay off your car loan debt from Home Credit Bank
You can pay funds on a loan at Home Credit Bank with and without a commission.
You can pay your debt without commission in the following ways:
- using Internet banking;
- at the cash desk in a branch of Home Credit Bank;
- at ATMs of the above-mentioned bank;
- due to automatic monthly transfer from the card to the salary (the function can be activated in the accounting department at the place of work or in any bank branch).
If all of the above methods are not suitable, payment can be made in the following ways (commission is charged):
- on the bank's website;
- through services and ATMs of other banking structures;
- postage;
- through the service systems "Zolotaya Korona", "Eleksnet", "Rapida", etc.
Advantages
Home Credit Bank differs from other structures of the same kind in a large number of advantages.
Among their diversity are the following:
- it is possible to take a loan without collateral and guarantors, which reduces the waiting time;
- you can buy a vehicle where the buyer needs - from a private person or in a car dealership;
- optional down payment;
- after early repayment loan, the bank does not charge additional fines and commissions;
- issuance of a CASCO policy is also not mandatory;
link .
