Nom Credit Bank is official. Home Credit Bank - loan and deposit calculators, history, addresses of branches and ATMs
Home Credit Bank is represented in Moscow by 19 separate branches, including a cash settlement center. The bank's sales points are located in more than 20 Eldorado stores located in different districts and districts of Moscow, which makes access to the financial services of the credit institution almost unhindered, fast and convenient.
Home Credit Bank offers potential clients in Moscow all types of services: lending to individuals and legal entities, raising funds for deposits, issuing credit and debit cards, cash management services and much more.
You can see the full list of Home Credit Bank branches in Moscow at the very bottom of the page. They are displayed in a list, but x can also be viewed on the map, which is more convenient.
How to get a loan from Home Credit in Moscow without going to the office?
To apply for a loan at Home Credit, a potential borrower does not have to go to the office. To do this, just fill out a form on the credit institution’s website, indicating all the necessary information for the bank to make a decision (passport details, personal information, information about the desired loan, registration and residence address, place of work and other information).
Within just 5-15 minutes, the client will receive a preliminary decision on the application by phone and will know whether he can count on approval. Only in case of a positive verdict should the borrower prepare the necessary package of documents and go to the nearest bank office.
The list of documents will depend on the selected loan program and the required amount. For example, to purchase goods on credit in partner stores, the client only needs to provide a passport and any other identification document of his choice. Usually this is SNILS, TIN or driver's license.
Non-working pensioners must take with them a pension certificate or a certificate of pension establishment.
Regular clients of the bank must provide a passport and SNILS. And new borrowers can bring a passport and any of the following documents: SNILS, driver’s license, foreign passport.
Who will get a loan from Home Credit Bank?
Based on the requirements of the credit institution for potential borrowers, we can conclude that the ideal client of Home Credit Bank is a citizen of the Russian Federation aged 22 to 64 years, permanently registered in Russia and having a constant source of income and a good credit history. At the same time, minor delays in repaying loans from other banks are allowed for up to 30 days.
For example, the ideal borrower for Home Credit Bank would be an ordinary worker of the largest Russian Aluminum plant in Moscow with a good, stable salary, own or rented housing. The marital status of the potential borrower does not play a special role, but the purpose of the loan is a rather important factor.
A simple worker can get a one-time loan from Home Credit for an expensive purchase, a resort vacation, treatment, apartment renovation and any other consumer purposes.
It’s another matter when the borrower often needs credit funds in a small amount, for example, when there is a constant delay in salary. In this case, a one-time large loan will not work and it would be better to apply for a Home Credit credit card. With it, the client will receive an impressive limit of borrowed funds with the possibility of preferential repayment without interest. Thanks to this, the borrower will be able to use the bank’s money for free.
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.
- Skip the next minimum payment (free);
- 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 are produced for borrowers. 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
Home Credit is a Russian commercial bank that is one of the leaders in the domestic consumer lending market. Also, Home Credit Bank firmly takes its place in the top 5 Russian banks in terms of loans, time deposits of the population and the size of the branch network.
Bank history
The history of Home Credit Bank begins with the founding of the Technolopolis Innovation Bank in 1990, which was acquired by the Home Credit Group in 2002. In the same year, the bank’s first representative office was opened in Nizhny Novgorod, the first retail outlet was opened, and the first loan was issued under the Home Credit brand in our country.
In 2003, Home Credit Bank issued the first trade loan, and also created the first federal trading network in partnership with Tekhnosila and began collaborating with Eldorado. In the same year, Home Credit in Russia began geographic expansion. 2004 became a very important year in the history of the bank’s development - Home Credit issued the first credit card, joined MasterCard, entered into a contract with Russian Post, placed sales points in all federal districts (except the Far East), received its first profit, and became one of the leaders in the Russian POS loan market and received the first ratings from Moody's and S&P.
In subsequent years, Home Credit Bank continued its active development. Thus, in 2005, the first cash loan was issued and the country’s first deal to securitize ruble loans was concluded. The year 2006 for Home Credit was marked by its entry into the mortgage market and the introduction of an anti-fraud system. The following year, the bank issued its first car loan and became a leader in the credit card market.
In 2008, Home Credit Bank stopped providing mortgages and car loans, and used the ensuing crisis as an opportunity for further development; also this year the bank began attracting deposits. The following year, Home Credit actively moved to retail lending, began to engage in salary projects, develop a network of ATMs, and launched Internet banking and SMS banking. In 2010, activities in the area of car loans were resumed, and in 2012, a new simple line of products was developed.
Home Credit Bank services
Today, Home Credit Bank offers the following types of services: loans (cash loans, Internet banking loans, car loans); cards (credit and debit); deposits (in rubles and foreign currency); salary project; individual bank safes; insurance; remote banking services; settlement and cash services; depository operations; open market operations; lending to legal entities.
Awards, branch network, HomeCredit sales points
The high quality of work, reliability and stability of Home Credit Bank is confirmed by various awards, including the Silver Award of the BRAND OF THE YEAR/EFFIE-2012 award. The bank's clients are already more than 27 million people who are serviced by Home Credit Bank's distribution network of 960 bank offices, 6,920 micro-offices, 1,276 ATMs and more than 73 thousand points of sale.
On June 9, 2019, it became known about a data leak of 900 thousand clients of Russian banks. Passport data, telephone numbers, places of residence and work of citizens of the Russian Federation were made publicly available.
2018: The first loan in Russia with remote identification
In mid-July 2018, Home Credit Bank announced the issuance of the first loan in Russia using remote identification. Russians have the opportunity to remotely use banking products and services after the launch of a unified biometric system.
At the first stage, Home Credit issues online loans for the purchase of goods using completely remote client identification. In the future, the bank plans to design most of its other products in the same way.
It is noted that online identification of the first client took less than a minute. After this, he was able to remotely sign an agreement to receive a POS loan and purchase a vacuum cleaner in the online store of Home Credit Bank’s partner, the Russian representative office of Samsung.
In order not to undergo face-to-face identification at banks, clients need to provide their biometric data (voice and facial image) once, which will be stored in a single system. Rostelecom provides collection, processing and storage of biometric data, as well as verification of their compliance with the initially submitted biometric samples. The results of the verification are transmitted to banks for remote identification of citizens when opening accounts.
After registering in a unified biometric system, a citizen will be able to remotely receive the services of any bank working with the system. The client just needs to enter the username/password for the Unified Identification and Autonomous Identification and say a short passphrase generated by the system while looking into the camera of a smartphone or computer.
By July 17, 2018, Home Credit accepts biometric information from clients in its offices in Moscow, St. Petersburg, Nizhny Novgorod, Yekaterinburg and Kazan. In a short time, it is planned to increase the number of such branches to 80, and by the end of 2019 it will be possible to take biometrics in all branches of the bank, his message says.
2017
The volume of loans issued through POS online exceeded 1 billion rubles
The volume of loans issued for goods through POS-online technology at Home Credit Bank exceeded 1 billion rubles, which amounted to 3.5% of the total volume of POS loans issued by the bank. About 80% of online loans were issued without a down payment and overpayment, Home Credit reported on October 19, 2017.
Most often, household appliances and mobile devices (smartphones and tablets) were taken out on credit, with audio and video equipment in third place. The most popular household appliances are washing machines, refrigerators, microwave ovens and stoves. And among video and audio equipment, most of the loans were taken for televisions.
POS-online is a technology developed by Home Credit Bank for processing loans using a simplified application via the Internet. The first POS online loans were issued in the Eldorado online store in the summer of 2016. As of October 2017, the bank's main partners in this project include Eldorado, M.Video, DNS and other large online stores.
When applying for a loan through POS online, in most cases the client only needs to fill out 5 fields. It takes the bank 40 seconds to fully evaluate a short application. Basic clients can sign an agreement via SMS and receive a loan completely remotely.
Comments and feedback can be posted only by registered users.
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21.10.2019 17:26
Roman, are you completely stupid? Home loan offered you a business, but you cheated him. You can pay utility bills through the “Polza” debit card. For a payment for any amount, the payment is only 10 rubles and no interest on the amount paid to another bank. Cashback up to 10%, in addition, for purchases in stores when paying by card. So, you're wrong, Roman. Home Credit Bank is one of the best banks. I have been using the services of Home Credit Bank for about 10 years and have no complaints. This bank evokes nothing other than positive emotions for me. So, I recommend Home Credit Bank to everyone.
28.07.2019 12:18
We decided to put the money into the “24 Months Plus” deposit account. Bank office in Rostov-on-Don, Selmash Ave. When opening a deposit, the bank employee informed that an additional condition for this deposit is the mandatory opening of a “Benefit” card, otherwise the interest will be at a rate of 6.5 and not 8.3%. Moreover, I must put 10,000 rubles on it, which must remain on the card for at least 1 month, then I can withdraw it and close the card. This condition seemed strange. I ask where this is written, the answer is on the website. I said several times that I don’t need another card - I just want to open a deposit. The answer is that it is necessary, otherwise the percentage is different. TC started processing the deposit 20 minutes before the end of the working day, there was no time to carefully read the documents and the card was opened. The bank calls almost every day and asks when I will put money on the card. I read the agreement - in paragraph 4 “At the Depositor’s request, he MAY BE issued a bank card...”. I wrote to the bank’s chat and they said we don’t understand what we’re talking about, we’re talking about issuing a “benefit” card and the deposit are in no way connected. Those, in order to fulfill some indicators, the employee simply deceived us. We spent time issuing cards for deposits, clarifying the legality, correspondence, and we will also spend time closing unnecessary cards. Summary - next time we are unlikely to contact this bank. It's kind of disgusting.
05.10.2018 12:16
Good afternoon I would like to leave a review about the good work of the employees of Home Credit and Finance Bank LLC, located at the address: Perm, Komsomolsky Avenue 71. I have been a client of this bank quite recently, but I want to note the friendly, attentive attitude of the employees. The team is very young, but very competent specialists! They are always ready to answer any question in an accessible and intelligible manner, to help resolve any financial problem! The team is headed by Yulia Bychina. I express my special gratitude to her and the specialist Ekaterina Kolesnikova. I wish them further success in their work!
