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Goods on credit Home Credit

Bank Home Credit ranked first in consumer loans in Russia. In 2017, the organization launched an online store on its website. On this site, you can buy electronics or equipment in installments, without overpayments and trips to the store. The service is rapidly gaining popularity thanks to favorable conditions and ease of use.

The installment plan is special offer among the country's banks. Home Credit created trading floor where he brought together sellers and buyers. The essence of the proposal is that the store offers a discount for the bank, equal to the interest on the loan. As a result, the buyer receives the goods in installments without additional interest. The Internet market is arranged on the principle of a regular online store. There are divisions into categories for quick search, each product has a detailed description.

For convenience, the site immediately indicates the amount that you need to pay every month for the goods. Installment terms are dictated by the seller, the purchase can be divided into 12, 6 and 3 payments. The user only needs to select a product, fill out an application and wait for the courier with the purchase.

How to take the goods in installments

Anyone can buy goods on credit on the bank's website. To approve a loan, you only need fixed income even if it's unofficial. The advantage of the service is that the buyer does not need to go to the store and agree on a payment split. Through market.homecredit.ru you can make purchases in Eldorado, Technopark, Euroset and other companies. Confirmation from the bank also takes place online, the user only needs to personally sign an agreement with the manager in any convenient place: at work, in a cafe near the house, in the park.

Purchase process:

1. We go to the Goods on credit portal of Home Credit Bank. Select the desired category: phones, household appliances, etc.

1. For example, you need a blender. We select the category "Household appliances", consider the options and choose the one you like. In the product description, proceed to checkout.

1. Fill in the form with all the required information. In some offers, you can choose the delivery method, in this case the blender will be delivered by the courier for free.
2. After entering personal data, click on the "Submit" button.

The application is considered by the bank within a few minutes. In case of a positive answer, the personal manager calls the buyer and arranges a meeting. During personal communication, the employee will give a ready-made contract that needs to be signed. After that, all that remains is to wait for a new blender and pay by installments in installments.

How to pay off the installment

The easiest way is to keep track of the debt and pay it through or through the account. Those who do not have a personal account can pay through the bank's website. The payment process is very simple, you need to select "Payment for a loan" and enter the rest of the data.

You will then receive an email with a confirmation link. You can also make another payment at the Home Credit cash desk, you will need an agreement and a passport. Also, payments are accepted at the terminals of the bank, Eleksnet and QIWI (by contract number). In order for the purchase to do without interest, it is important to pay the debt on time. Early repayment It is negotiated at the time of signing the contract, as the credit conditions differ for stores.

Installment from the bank is a convenient and profitable opportunity for buyers. No need to wait for a chance or save money by postponing a long-awaited purchase. Home Credit installment service has already earned positive reviews from regular users and expands the product catalog.

Recently I applied for an installment plan for a Sony smartphone through Home Credit Bank in Svyaznoy. Of course, this organization has higher interest rates than others, but they provide loans much easier than Alfa Bank or Renaissance Credit. We arranged the installment plan on the spot at the mobile phone store.

When I applied for an installment plan in Home Credit, there was a cool promotion.

She is still active. Its essence is that the bank does not require from the client down payment, does not wind up interest and no additional overpayments for the entire loan period. A very tasty offer. Where not to use it!

Credit specialist Home loan bank will fill out an application for 15 minutes, asking me standard questions. After sending the application, he quickly informed me that the bank had encouraged the installment plan. The term of the interest-free loan was 10 months, I did not pay the down payment.

For several minutes, the specialist printed out documents for installments, made scans of my documents. I waited. Then he brought everything and asked to sign.

In general, I can say that the payment by installments was fast. Well, at least not deadly long.

I pay by installments online: I transfer money from my Sberbank card to the account specified in the loan agreement. According to the contract, I have to pay monthly until the 10th day. The monthly payment is 2500 rubles. I take monthly personal account receipts and I can say for sure that there really is no overpayment and no interest is charged.

If desired, the installment plan can be paid off ahead of schedule. This can be done both online and through a bank branch. I'm used to Internet technologies and I'm not used to queues, so I do everything online: transactions, payments, ordering receipts, etc. financial information.

Under the pretext that Home Credit approves installment plans allegedly only for those customers who have purchased accessories for 5,000 rubles: a case, glass, film, key chain, external batteries, etc., the specialist forced me to purchase things that I absolutely did not need.

The bank does not really appear here at all. How does the application go to the bank? A request for a loan comes from such and such a citizen for such and such an amount, and the store itself acts only as an intermediary and is unwilling. But the sellers of Svyaznoy are paid an additional bonus to their salary for selling accessories. That's the whole secret.

Home Credit also has handy map installments, but I found out about it a little later. Not on the day I paid off my phone. A friend told me about this card, she has been using it for a long time and is very satisfied. After listening to her enthusiasm, I decided to buy one for myself.

It is issued quickly, you can issue it on the official website or through a call center specialist. I made it through the website. The courier brought the card.

The advantage of the card is that you can pay with it in absolutely any stores (online and offline) and interest on the loan amount will not be charged for three months. Very convenient and practical.

I don't use it all the time, but it happens. I also try to pay off debt as soon as possible. In principle, if you use it wisely, then there will be no problems.

I am very pleased with the cooperation with Home Credit Bank: the specialists are competent, you can always quickly get through to the support service, the operators give detailed answers to all questions, solve the problems that have arisen, and help to deal with incomprehensible aspects.

I always receive an SMS message on my phone stating that I need to pay off the installment plan or that I calculated with a card for a certain amount.

Video review

Goods in installments from Home Credit is a unique service in the banking sector of the country, where an interested buyer can buy equipment in installments via the Internet. To do this, you do not need to leave your home and look for a suitable product in stores, go to the bank and apply for a loan to purchase it. Everything is carried out on one site at any time of the day or night. Installment is provided without interest for the period chosen by the client, and the application is considered within 1 minute.

What is "Installed Goods"?

Home Credit has recently created its own online marketplace, where it collected the best products and offers from all partner online stores. The Installment Items page is a kind of intermediary between partner stores and borrowers who do not want to leave home or work to get a quick interest-free loan for the selected product.

It is enough for the client to choose the product he likes, get acquainted with its characteristics, fill out a short questionnaire for installments and get approval. After that, you can pick up the goods in the store of the selected network, or wait for delivery to your home.

The installment is provided on an interest-free basis. The client does not overpay interest on the loan. How much he took, so much he gave. The monthly payment consists of the amount of the goods divided by the number of installment months.

Installments are issued for a fixed period of 3, 6 or 12 months, depending on the conditions of the selected store. All detailed information on each product can be found on its description page.

On the homecredit.ru/market page of the market, you can choose equipment for home and life. For housewives, there are household utensils, built-in appliances, kitchen utensils, stoves and much more. Fans of an active lifestyle will choose optical devices, GPS navigators, new modern models of phones, tablets, computers, etc. for themselves. Here you will find computer equipment, modern equipment for musicians, game consoles, photo and video equipment and much more.

How is an installment different from a loan?

A commodity loan is a type of loan in which the client receives money to pay for the selected product at a certain percentage per annum. Most often, the interest on POS loans is the highest in the lending sector and exceeds 40-60% per year.

This type of lending is most beneficial for borrowers, because, unlike commodity credit, where the overpayment is 40-60% per year, there is no interest accrual by installments.

How is the purchase process on the Home Credit Bank service?

To begin with, the buyer needs to decide on the category of the desired product and open the appropriate tab. There are 4 in total:

1. Appliances
2. Computer technology
3. Phones
4. Electronics

By selecting the desired category, the buyer sees a list with subcategories of goods in front of him. Let's consider a purchase using a laptop as an example. To do this, open the section "Computer technology" - "Computers" - "Laptops".

Choose the model you like and get to the page with a detailed description of the product.

Here we immediately see the available installment period in months and monthly payment depending on the selected period. In this case, the store offers only 1 option in terms of delivery, which is 6 months. The monthly payment for the purchase amount will be 5750 rubles.

At the bottom of the page, you can also see all partner stores that have this product. In this case, the laptop is available only in one Home Credit partner store - Arsenal Plus. For convenience, information is duplicated from full cost goods, the installment amount according to the number of specified installment months and the cost of delivery, if any. On the right is the "Finish" button. If the buyer is satisfied with all the stated conditions, he wants to receive an installment plan for this product in this store, he needs to click on the "Apply" button.

On the new page, the client sees an installment questionnaire, which consists of 3 step-by-step fields. The first step is to fill in the delivery information. The client is offered a choice of several delivery services with an exact indication of the amount and deadline.

By choosing the most suitable option, the client must fill in the delivery address, indicating the city, street, house number, apartment or office / room number. For convenience, the client can leave a comment. This is appropriate if you want to receive delivery of goods in certain time, or explain how to drive up to the house, etc.

The second step is to fill in personal data. A form will open in a new field, where you need to specify the date of birth and mobile phone.

After entering the data on the page, an additional window will appear with verification code, which will come in an SMS message. You need to enter it in this box and click the "Next" button.

Next, a page will open with a short questionnaire for obtaining installments. It consists of questions about passport data, personal information, place of work, etc. It must be filled out in detail and submitted for consideration.

The examination of the questionnaire lasts exactly 1 minute. O decision the client learns in the message on the monitor. A duplicate message will be sent to your phone.

If the application is approved, an employee of the HCF will call the specified phone number and agree on the time and place of the meeting to sign the contract. You can make an appointment with a personal manager any day in a convenient place: at work, at home, in a cafe around the corner, etc.

After signing the relevant documents, you can wait for the courier with the goods.

Who can receive goods in installments from Home Credit Bank?

Installment is not available to every borrower. Despite the absence of an overpayment, the bank puts forward requirements for borrowers, as in its own consumer loans. The client must meet the following requirements:

• Age from 18 to 75 years
• Permanent registration in Russia
• Russian citizenship
• Stable source of income. The salary may be informal, but it must be constant.

How to pay off installments from Home Credit?

The bank offers a huge range of installment repayment methods. Let's look at each option:

• through the lender's website. The client must select the type of payment, write the contract number. Next, you need to specify the details of the card from which the transfer will be made to pay off the debt, enter the transaction confirmation code from the SMS-Bank. You can pay with any card payment system, including Maestro and MIR. Money is credited in 1 day, the commission varies up to 2% of the transfer amount.
• Through the service "My Credit" from the site. You can enter the program by entering the date of birth and phone number, then the system will determine the loan and the monthly payment on it. Payment in the program is carried out with any bank card. The commission will be 1.3%. "My Credit" is also available for download as an application for popular mobile platforms.
• Cash at HCF ATMs
• At the bank teller
• Transfer from another credit institution by account number. The client must first obtain the details in the personal account of the Internet bank and pay a monthly installment fee on them. The commission varies from the sending bank and its tariffs.
• Across " golden crown", which is available in the salons of MTS, Svyaznoy, Euroset, Beeline, Kari and other stores. The commission varies depending on the selected store.
• Payment of the monthly fee for goods in installments from Home Credit is carried out through Qiwi and Eleksnet terminals. In the terminal menu, you need to select the "Payment for services" section and the corresponding bank. Next, enter the number loan agreement and all the necessary data.

Benefits of buying goods on the Home Credit Bank website

This method of online shopping has a lot of positive aspects:

Disadvantages of the "Goods in installments" service from Home Credit Bank

Not without flaws, but there are not so many of them. First, it's not the most low prices for the chosen technique. In most cases, it is more profitable for the buyer to wait for the promotion and buy the product directly in the store than to receive it in installments via the Internet.

Secondly, you still have to leave the house to meet with a personal manager and sign an installment agreement. It is clear that the client chooses the place and time of the meeting when it is convenient for him, but still I would like to receive a completely remote loan product.

Thirdly, a minus can be called frequent problems when applying for installments, which borrowers write about. In the reviews, buyers say that it was far from the first time they managed to fill out a questionnaire for goods in installments from Home Credit Bank, that there were some problems.

FAQ on the service "Goods in installments"

The bank did not set a strict time frame for reapplying for installments. However, it is recommended to submit a re-application no earlier than 30 days later. It is best to contact the bank again if your life has undergone significant changes for the better: your monthly income has increased, expenses have decreased, a loan has been repaid, etc.

For the selected product, there are offers from several stores at once. Can I choose any of them?

Yes, if for the product you have chosen, several partner stores at once offer to issue an installment plan, then the client needs to make the choice himself. You should choose the store that has convenient installment terms and low shipping costs.

Do the goods in the partner's online store cost the same as in the Home Credit market?

Yes, all prices are identical to the cost of a similar product on the site of the selected partner.

How long will I receive the installment? It is written 3, 6 or 12 months, but only one term of 6 months is offered for the selected product. Why?

The installment term depends on the conditions for providing the product in the partner store of Home Credit Bank. Minimum term is 3 months, maximum 12 months. The store itself chooses for how long to provide an installment plan for a particular product. The client cannot change these conditions or choose the loan term, unless otherwise provided by the partner store

The purchasing power of the bulk of the Russian population is limited to consumer goods, small household appliances. Citizens have to arrange a significant part of expensive products with a loan. Home Credit Bank is rightfully considered one of the leaders in lending to residents of the country. Options and ways to purchase goods on credit through Home Credit Bank will be given below.

"Goods in installments" from Home Credit Bank: what is it?

Home Credit Bank has created its own online market in cooperation with partner stores. The page lists goods that can be purchased by issuing a loan or installment plan. The site demonstrates the best profitable offers for the products of partner stores.

Among buyers, there are often people who still confuse the concept of a loan and an installment plan.

The first option is banking money loan, provided to pay for the selected product. The buyer is charged established by the bank interest added to the monthly payment.

An installment plan is an interest-free type of amount borrowed from the bank for the purchase of products. The customer of the store pays during the installment period the amount set by the store without overpayment. In addition, interest is not added, they are repaid by the partner store of the bank.

The process of applying for installments is faster than lending. The term is often shorter than that of a loan. However, in most cases, it is more profitable for buyers to pay for the goods by installments, because there is no need to repay additional interest.

The principle of the HKB online store

Home Credit Bank's online store website has a user-friendly interface. It allows a potential buyer to choose products of interest, learn in detail the terms of credit, and make a purchase. Buying on credit will only take a few minutes.

You can go to the online market directly through the official page banking institution. The site provides a catalog of goods, which you can select by clicking, after which you get to the required category of goods. The market immediately offers detailed description interesting electronics, home appliances.

Each product contains a personal page that includes photos, characteristics, price, loan term, monthly payment amount. The buyer can choose a convenient loan term. Each partner of the bank provides its own conditions of sale. The site visitor immediately compares the offers of suppliers, choosing the most profitable. Also, partner stores demonstrate different delivery conditions for goods.

Any user of the page can register in a personal account. Having completed the procedure, he has the opportunity to monitor the status of the purchase.

How to place an order through the bank store?

A potential buyer begins the process of purchasing products by going to the Home Credit Bank website. Next, you should pay attention to the left side of the page, offering the categories of goods provided:

• electronics;
• Appliances;
• musical instruments;
• computer technology;
• phones.

Further actions performed on the site include the selection of a subcategory, then the model of the product of interest. The personal page of the purchased copy provides the name of the stores offering installments, loan conditions. The user chooses the loan term, the method of purchase (delivery or pickup).

Getting acquainted with the terms of the installment plan, the buyer already sees the amount of the monthly payment of the loan. The page on which the purchased product is located has a red “Checkout” button on the right, which should be clicked when deciding to buy. Next, a window appears in which they offer to fill out an application for a loan. Initially, you need to write information about the place of delivery (detailed address). Usually, the client is offered several courier companies that provide their own terms and delivery costs. The buyer can leave a comment regarding the circumstances of receipt of the products.

After determining the delivery, the lender must fill in the fields of the electronic form, indicate passport data, telephone number. The client then expects a one-time verification code to the specified mobile phone. It is entered in a special field of the application.

Next comes a specialized questionnaire, which is also needed to receive an installment plan. The client enters personal data, information about the place of employment. The decision time takes one minute. Approval or rejection is displayed on the computer screen and simultaneously sent to the phone number.

Before receiving the product, the bank operator contacts the buyer, agrees on the date and place of signing the loan agreement. Only by signing the agreement forms, the client can wait for the goods issued by installments.

Partner Stores

Home Credit Bank cooperates with many partner stores. The list is gradually updated with new collaborations. For certain product groups there are interest-free installment programs. This range is:

• computer, household appliances;
• telephone sets;
• electronics;
• musical equipment.

Appliances

The main questions regarding this service cover the following topics:

1. When can I reapply after a rejection? - Deadlines are not strictly regulated. It is recommended to try again after thirty days from the date of the first filing.
2. Are the prices for the goods offered in the KhBK Internet market and in your own store similar? - Yes.
3. If the site offers several options for the same product from different stores, can I choose any? - The buyer has the right to click on the market that offers the most favorable credit conditions.

Conclusion

The Internet market HKB offers clients of the institution a variety of lending options. The organization cooperates with more than twenty thousand partners offering goods in installments. The ease of registration allows you to look for profitable purchase options without going to the pages of official suppliers separately.

In the article:

Banks offer customers to purchase household appliances, electronics, accessories on installment terms. At Home Credit Bank, this works when a client has a shortage of cash. Money to buy here and now. Since how many years the service has been available, and how to apply for it through Home Credit Bank, we will find out further. Reviews of the installment plan at Home Credit Bank are mixed. However, most opinions are unanimous that it is not worth violating any of the terms of the contract.

Terms of Service

The borrower needs to remember: the bank acts as an intermediary link between the client and the trade organization. There are basic requirements (for example, how old is the installment plan) or general and specific, for each borrower.

Installment through Home Credit is possible if the terms of the transaction between the buyer and the store are met. The price of the goods should be in the range of 1,500 - 500,000 rubles. The period for which the client is invited to distribute the amount is from four months to three years. Interest rate- from 7 to 35%.

The requirements for the client in the case of an installment plan are similar to those that the bank puts forward when considering an application for a loan, namely:

• Citizenship Russian Federation and the presence of permanent registration in the region of the bank's presence (confirmed by presenting a passport);
• Age "fork" - from 18 to 75 years;
• The presence of a second identity document - this can be a valid foreign passport, a driver's license (it becomes clear from how many years the installment plan is granted), a pension certificate or SNILS;
• Proof of a stable source of income. A 2-NDFL certificate or in the form of a bank is suitable, but always with the signature of the head. This item answers the question of how many years they give installments.

As a rule, the execution of installments through the Home Credit Bank occurs quite quickly in point of sale, which provides the goods in installments. Through this approach, the service and convenience of the client is ensured. Now you don't need to apply from trade organization purposefully go to the bank and draw up an installment plan, and then return with confirmation to the store, thus losing several hours.

Tips for applying for installments through Home Credit

What you should pay attention to and how many traps to avoid when applying for such a service.

Often, the consumer is literally slipped a few extra papers. For example, life and health insurance. This greatly increases the final cost. loan product through Home Credit.

The manager can motivate the need to draw up an insurance contract with a possible refusal of the bank. It is definitely not worth succumbing to such a provocation.

No organization has the right to refuse a borrower in installments in Home Credit (for how many years it has been provided, you can check with bank specialists) on the basis of his refusal of insurance. Therefore, you should be very careful when signing papers and study all the clauses of contracts and annexes to it.

Installment services for goods in the store are offered to be issued not through one bank, but through several at once. Some of them offer not quite convenient ways repayments - for example, only postal orders. Some repayment channels are different long term- from five working days. It may also not be very convenient.

Tell children about the conditions and features of lending in Russia. Then they will know how old you can use the borrowed funds, and what difficulties may arise. Improve their financial literacy.