Home loan to buy goods in installments. Partner stores of the Freedom installment card from Home Credit Bank. How to repay installments from Home Credit

Today, Home Credit Bank (HCB) offers goods on credit: furniture, electronics, household appliances, jewelry, travel packages, and even clothing and shoes.

Requirements for borrowers and documents

To buy goods on credit at KKB, you must be a citizen of the Russian Federation over 18 years of age, registered in the region where the application is submitted, and have worked at your last job for at least six months.

During registration, the client provides the specialist with the following information:

• your manager's phone number;
• my phone number;
• two contact numbers.

If you need more than 100,000 rubles, the bank will request a second document (to choose from):

• SNILS;
• international passport;
• bank payment card;
• pensioner's certificate;
• driver's license.

Conditions for trade loans and installment plans at HKB

HKB has a variety of loan products designed for different categories of citizens and goods. Promotional installment plans, seasonal sales, regular loans – the number of programs is countless, let’s look at the most popular ones.

Installment plan

HKB is proud to be one of the first to offer its clients a loan without overpayments. In this case, the amount can range from one and a half thousand to half a million rubles for a period of up to two years. The down payment will range from 0% to half of the cost of the product, depending on the product chosen. The overpayment amount is 0%, because The trading organization gives the buyer a discount on the product, which ensures that the cost does not increase relative to the original one.

Installment payments are easy to calculate: divide the cost of the product by the number of months. Often bank employees offer to sign up for a financial protection program (insurance) along with an installment plan, which will amount to approximately 1% per month of the cost of the goods.

Insurance is voluntary. Does not influence the bank's decision.

The decision to determine the maximum installment amount remains with the bank and is made on the basis of the application submitted for consideration.

The approved amount may be less than what was submitted for consideration. The bank will offer to make a down payment or increase its amount.

Preferential loan

The essence of the program: by repaying the debt under the contract in full in the first six months, the client does not overpay anything. The amount of loan payments is equal to the cost of the goods. Amount – from 1,500 to 200,000 rubles. Down payment from 0%. Loan term up to 24 months.

Loan with overpayment

HKB offers to issue a traditional trade loan - with an overpayment, within the framework of the products: Home 2 (“Industry”) and Loan 24.9%. Amount – from 1,500 to 300,000 rubles. Down payment from 0% to 50%, for 4 or 6 months.

You can order a loan on the Bank’s website using an online application.

How to receive goods in installments

You can purchase goods on credit or in installments on the HKB website by filling out an online application. This can be done conveniently, simply and quickly.

Choose the product you like on the website from the categories presented (furniture, household appliances, etc.). Afterwards, click the “Complete” button and fill in the following fields:

• indication of delivery method and address;
• filling out personal data (you must fill out the fields carefully, as the data will be transferred to HCF Bank for decision-making);
• filling in additional passport data.

The decision to provide an installment plan is made by HCF Bank within 1 minute.

If the decision is positive, wait for the bank courier to call and agree on the place and time for signing the loan agreement. After that, pick up the purchased product.

If the Bank refuses you, the next time you try, use a number of rules:

• the cost of the purchased goods should not exceed 3 times the monthly income;
• the loan payment should not exceed 50% of monthly income;
• The payment can be reduced by choosing a longer installment period.

After the bank has made a decision, the client receives an SMS message notifying him of the bank’s decision and the conditions under which the loan was approved.

Payment for the order begins one month after signing the contract and is made in accordance with the payment schedule specified in it. All order history data is stored in the Personal Account, which is located on the HKB website. There, the client can view the monthly installment payment, the full cost of the purchased product, and the order status.

Bank partners

The largest retail chains are happy to cooperate with HKB. Some of them choose the bank as their main and main partner.

1. CSN, M.Video, Tekhnosila, MediaMarkt, Eldorado and others offer to issue household appliances and electronics on credit;
2. Mister Dors, Ormatek, Stolplit, Shatura, etc. - furniture for home and office.
3. ReStore, MTS, Euroset, Megafon, Beeline, Samsung, etc. - phones, laptops and components.
4. Nika, Adamas, 585, etc. - jewelry.
5. VitoPonti, Aleph, Mekhamania, etc. - clothes.
6. Anex tour, Geography, bank of last-minute tours - offer HKB clients affordable holidays.

Methods for repaying Home Credit Bank loans

Monthly payments can be made to HKB in several ways:

Installment payment is a method of purchasing a product or service when the purchase price is not paid immediately, but is divided into several parts. In essence, credit obligations arise between the parties to the transaction.

Home Credit is actively promoting its business in this area: in addition to the card, the bank has an online store (market.homecredit.ru), where you can purchase this or that product in installments.

In this case, the products do not belong to the bank, but to the store that provided it. The bank only acts as an intermediary.

The main advantage of goods in installments from Home Credit is no interest.

Among the program partners are such stores as: El Dorado, Technopark, Muztorg, MaxVideo and others. HomeCredit is actively working to attract new partners.

Interface

An online store of goods in installments is a catalog indicating the full cost and amount of the monthly payment.

Slava has a filter where products can be sorted by category:

• Appliances.
• Computer technology.
• Musical instruments.
• Sport equipment.
• Phones.
• Electronics.

By clicking on a particular catalog item, you can see the product description, partner store, delivery conditions and payment duration.

How to apply?

Payment by installments

The total purchase amount is divided into equal parts according to the number of months in installments. The contract will indicate the date by which the required amount must be paid. If you do not violate these terms, no interest will be charged on the purchase.

You can pay off your debt:

• Through (in the installment loans section).
• Through the Home Credit mobile application.
• Through the “ ” service (web or mobile version).
• At Home Credit branches and ATMs (no commission).
• At loan repayment points from the Golden Crown.
• By bank transfer using bank details.
• Through QIWI and Eleksnet terminals.

Home Credit Bank has launched an online platform where users can buy various goods in installments. Let's see what are the features of this proposal? Is it really profitable and is there a catch for buyers?

Using the portal “Goods in Installments” or an installment credit card from Home Credit Bank, interested parties will be able to purchase equipment online. To do this, you do not need to leave your home or office, spend hours looking for suitable items in stores, and then apply for a loan to purchase them. Thanks to the Home Credit Bank service, all this can be done quickly, regardless of the time of day and your location.

Section “Goods in installments” is a kind of intermediary between large partner stores (Eldorado, MVideo, etc.) and borrowers who want to simultaneously purchase goods and apply for an interest-free loan without leaving home.

More information about purchasing in installments

The client needs to select the product he likes from the Home Credit Bank online catalog. Each item is accompanied by a detailed description containing:

• Main characteristics,
• Supplier name,
• final cost,
• monthly payments,
• delivery method,
• duration of the installment plan.

Have you found the product? To make purchases, fill out a short application for an installment plan or credit card from Home Credit Bank. The service provides 2 delivery methods– to a partner’s store or by courier. Delivery is subject to the approval of the application for installment payment. All this is much more profitable than paying with cash or a debit card.

Installment terms

On the website homecredit.market.ru you can choose household appliances, electronics, kitchen products and much more. Do you prefer to lead an energetic lifestyle? You can choose from a catalog of navigators, optical equipment, modern models of personal computers, mobile phones, etc.

Please note the terms and conditions of the installment plan:

How to make a purchase?

To simultaneously make a purchase and a loan on the Home Credit Bank service, you need to select a product. There are 4 sections in total, which contain household and computer equipment, mobile phones, and electronics.

Read the terms of the installment plan (term, monthly payment, etc.). At the bottom of the page there is a list of partners offering this product on other terms (for example, at a different price). If the buyer agrees with the terms and wants to apply for an installment plan for this product from a bank partner, then he needs to click on the electronic button "Design"(on the right side of the page).

The downloaded form will contain an application for an installment plan, consisting of 3 fields:

Field No. 1 – delivery

There are several delivery options to choose from, indicating the final cost and deadline. The client chooses the transport service independently from the proposed list. After you have chosen a convenient option, indicate the delivery address (town, street, house and apartment).

Note! If necessary, you can leave a comment on the order (for example, if you want to explain in more detail how to get to the house).

Field No. 2 – personal data

Enter personal information in the virtual column - date of birth (required field) and current mobile phone number. A message with a verification code will be sent to it, which must be entered into the loading window.

Field No. 3 – additional data

The purchasing power of the bulk of the Russian population is limited to everyday goods and small household appliances. Citizens have to take out a loan for a significant part of expensive products. 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 collaboration with partner stores. The page lists products that can be purchased using a loan or installment plan. The site demonstrates the best deals on products from partner stores.

Among buyers there are often people who still confuse the concepts of credit and installment plans.

The first option is a bank cash loan provided to pay for the selected product. The buyer is charged interest set by the bank, which is added to the monthly payment.

An installment plan is an interest-free type of amount borrowed from a bank for the purchase of products. The store client pays during the installment period the amount set by the store without overpayment. Additionally, interest is not added; it is paid off by the bank’s partner store.

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 goods by installments, because they do not have to pay additional interest.

The principle of the HKB online store

The Home Credit Bank online store website has a user-friendly interface. It allows a potential buyer to select products of interest, find out in detail the terms of lending, 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 of the banking institution. The site provides a catalog of products that you can select by clicking, after which you are taken to the required product category. The market immediately offers a detailed description of the electronics and household appliances you are interested in.

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

Any page user can register in their personal account. After completing 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 visiting the Home Credit Bank website. Next, you should pay attention to the left side of the page, which offers categories of products provided:

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

Further actions performed on the site include selecting a subcategory, then the model of the product of interest. The personal page of the purchased copy provides the name of the stores offering installment plans and loan terms. The user selects the loan term, purchase method (delivery or pickup).

By reading the terms of the installment plan, the buyer already sees the amount of the monthly loan payment. The page on which the product you are purchasing is located has a red “Checkout” button on the right, which you should click when deciding to buy. Next, a window appears asking you to fill out an application for a loan. Initially, you need to write information about the place of delivery (detailed address). Typically, the client is offered several courier companies that provide their own delivery times and amounts. The buyer can leave a comment regarding the circumstances of receipt of the product.

After determining delivery, the lender must fill out the fields of the electronic form, indicate passport data, telephone number. The client then waits for a one-time verification code on 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 installment plans. The client enters personal data and information about the place of employment. The decision period takes one minute. Approval or refusal is displayed on the computer screen and simultaneously sent to a telephone number.

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

Affiliate 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 plans. This range consists of:

• 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 being rejected? — The deadlines are not strictly regulated. It is recommended to try again thirty days after the first submission.
2. Are the prices for the goods offered in the KhBK online market and in your local store similar? - Yes.
3. If the site offers several options for one product from different stores, can you choose any? — The buyer has the right to click on the market that offers the most favorable credit conditions.

Conclusion

The HKB online market offers clients of the institution a variety of lending options. The organization cooperates with more than twenty thousand partners offering goods in installments. Convenient design allows you to search for profitable purchasing options without going to the pages of official suppliers separately.

Installment card Freedom

Apply for a card Apply for a Freedom installment card

Debit Card Benefits

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Apply for a cash loan

Get money Apply for a cash loan

Goods on credit Home Credit

Home Credit Bank ranks first in issuing 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 or trips to the store. The service is quickly gaining popularity due to favorable conditions and ease of use.

The “Goods in Installments” program is a unique offer among banks in the country. Home Credit created a trading platform where it brought together sellers and buyers. The essence of the offer 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 online market is structured like a regular online store. There are divisions into categories for quick search, each product has a detailed description.

For convenience, the website immediately indicates the amount that needs to be paid each month for the product. The terms of the installment plan 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 buy goods in installments

Anyone can buy goods on credit on the bank’s website. To confirm a loan, only regular income is required, even if it is unofficial. The advantage of the service is that the buyer does not need to go to the store and negotiate a split payment. Through market.homecredit.ru you can make purchases at 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 home, in the park.

Purchasing process:

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

1. For example, you need a blender. Select the “Household Appliances” category, consider the options and choose the one you like. In the product description we proceed to checkout.

1. In the form we enter all the necessary information. In some offers, you can choose a delivery method; in this case, the blender will be delivered by courier for free.
2. After entering your personal data, click on the “Complete” button.

The application is reviewed by the bank within a few minutes. If the answer is positive, the buyer’s personal manager calls and arranges a meeting. During personal communication, the employee will give you a completed agreement that needs to be signed. After that, all you have to do is wait for a new blender and pay in installments in installments.

How to pay off an installment plan

The easiest way is to keep track of the debt and pay it through or through an account. For those who do not have a personal account, you can pay through the bank’s website. The payment process is very simple, you need to select “Loan payment” and enter the rest of the data.

After this, you will receive an email with a confirmation link. You can also make the next payment at the Home Credit cash desk; you will need a contract and a passport. Payments are also accepted at bank terminals, Eleksnet and QIWI (by agreement number). In order for the purchase to cost without accrual of interest, it is important to pay the debt on time. Early repayment is negotiated at the time of signing the contract, since stores have different lending conditions.

Installment plans from the bank are a convenient and profitable opportunity for buyers. There is no need to wait for an opportunity or save money, postponing a long-awaited purchase. The Home Credit installment service has already earned positive reviews from regular users and is expanding its product catalog.