Home credit child protection policy. Home Credit Bank

Temporary financial difficulties should not prevent fruitful cooperation between banking organizations and individuals. When serious financial problems arise, many borrowers begin to hide from creditors, do not pay debts and interest, spoil their credit history, and ignore requests from bank managers. But there is a way out of this situation. If you don’t hush up your hard financial position, you can count on the provision of loan restructuring, one of the forms of which is “vacation”, that is, a temporary deferment of debt repayment. During this period, the bank client must improve his financial situation and continue making payments. Depending on the individual conditions There are various options for providing loan deferment.

Contacting the bank: details about restructuring

If you are a client of Home Credit Bank, you can count on a loyal attitude from the institution. Back in August 2014, the management of this company formed a special program called “Credit Rehabilitation”. It was developed specifically for clients who are recipients of loans, but now, for serious reasons, cannot temporarily repay the next amount of debt with interest. A serious violation is the lack of payment for a certain period of time - you can spoil and completely lose a trusting relationship with banking organization. Therefore, Home Credit invites citizens to contact one of its branches in a timely manner and explain their life situation and tell representatives of the credit committee about their problems.

To restructure debt at Home Credit Bank, you will need to provide evidence that:

The borrower is not going to evade payment and plans to pay every month the amount that is available to him. this moment.
The client is in a difficult financial situation (certificate of income, birth certificate of a child, divorce, documents from a medical institution, etc.).
The borrower is actively seeking Additional income to pay off an existing loan.

Recipient Money can use the bank's services:

If there is an overdue loan.
In a difficult financial situation, but so far no delays.
In case of minor violation of loan repayment terms - no more than three days.

A break from a loan, or a sought-after service for investors

They are one of the forms of restructuring provided by Home Credit Bank. There are also other options for borrowers. This is a replacement of currency, the accrual of fines for delays over a certain period of time, and a reduction in the amount of the monthly payment due to the extension of the total financing period.

Clients of this organization can count on the following vacation options:

Deferment of interest payments - in this case, the principal debt is paid in the usual manner.
Postponement of principal repayment terms - accrued interest must continue to be paid every month.
Complete suspension of payments for a certain period.

Main advantage credit holidays at Home Credit Bank - this is the borrower’s ability to choose the date for resumption of depositing funds. Moreover, the service is completely free, while many financial institutions charge a certain percentage of contributions.

According to the rules of this company, deferment can be granted for periods from one to six months. But each individual case makes its own decision. Much depends on the severity of the financial situation in which the citizen finds himself. They are more loyal to borrowers who have repeatedly taken out loans from this bank and closed them without any delays.

Design rules

Many citizens are interested in how to apply for a credit holiday with Home Credit? To do this, you will need to prove that your financial situation is so difficult.

Those interested can submit an application on the official Internet portal of the institution or contact the bank manager by phone. But there is another option, which includes several stages:

Visit the online service “Credit rehabilitation”.
Go to the page with the application form.
Fill it out (full name, date of birth, email address, contact number).
Confirm your identity using the code received as an SMS message.
Please check the box to indicate that you cannot pay the previous amount.
Specify the repayment amount and payment date that is convenient for you.
Send a request to the operator and wait for a phone call.

If you decide to visit a bank office and write an application there, the document must include:

Bank name, branch address.
Full name of the borrower, passport details, information about the repayment schedule.
Request for restructuring.

Be sure to attach certificates to your application confirming the occurrence of serious financial problems. Wait for the bank's decision.

When applying for a loan for goods, services or cash, a bank representative may offer the client to enter into an additional insurance contract. Is it possible to refuse it before signing the main agreement and what to do if the desire to return the insurance arose after receiving the money?

Registration of insurance in Home Credit

According to the rules consumer lending bank, the client can voluntarily insure himself in case of:

loss of work - in this case, leaving “on your own” does not apply to insurance risks, the client is protected only in the event of forced dismissal, liquidation of the enterprise and in some other situations;
receipt of disability or death (personal protection).

When an insured event occurs, the debt to the bank will be fully or partially repaid for the borrower. At the client's choice, the policy can be either Home Credit Insurance.

Any policy can be concluded only with the consent of the client. But the workers credit organization often imposed on the borrower insurance service- they say that otherwise the application will be rejected, or they refer to the fact that the program itself included insurance in the body of the loan. It is necessary to understand that these words do not correspond to reality.

Important! Each policy contains wording according to which the client, by signing the document, confirms that he is drawing it up voluntarily and is familiar with all the conditions. In this case, it will be almost impossible to prove the fact of imposition even through court.

If insurance has been taken out, the borrower can disable the service at any time. The terms of the refund depend on the selected insurance company and the moment when the client requested termination of the agreement.

Termination of contract at Home Credit Insurance

The conditions for canceling the agreement depend on the type of policy concluded with the bank.

When insuring against job loss, the client can return funds only during the “cooling off period” determined by law - a period equal to 5 working days from the moment the agreement is signed. Moreover, if the agreement manages to come into force, then the costs for the number of days the agreement was in force will be deducted from the refunded amount. After the specified period, upon termination of the contract, there will be no refund of the paid premium.

Important! The contract comes into force the next day after payment of the insurance premium.

If the borrower has taken out a policy personal insurance, then 14 days (calendar) are given for termination of the contract from the date of its entry into force. If the insurer is notified within this period, the amount will be refunded in full 10 days after the company receives the client’s written request. If the application is submitted later, then it will be possible to return only part of the insurance premium.

Termination of contract at Renaissance Life

The conditions for canceling an agreement protecting in case of job loss in Renaissance Life are similar to Home Credit Insurance - you can cancel only in the first 5 business days.

When taking out personal insurance, the conditions for terminating the agreement are as follows:

when applying within the first 14 calendar days, the paid amount is refunded in full;
upon expiration of the two-week period, the redemption amount for the remaining period will be calculated, taking into account the insurer’s costs.

Important! The agreement contains a clause providing for the insurer’s ability to withhold up to 98% of the amount paid for costs.

If the insurance contract is drawn up in the form of a collective agreement (the borrower joins the terms of the contract concluded between the bank and the insurance company), then the “cooling off period” does not apply, and upon termination (including early termination obligations to the bank) the deposited amount is not returned.

Insurance waiver after loan repayment

If the borrower closes the loan ahead of schedule, then for almost all the insurance policies described above, he has the right to receive a refund of part of the premium paid. In this case, the redemption amount for the unused period will be calculated, including the costs of the insurance company in the amount of 23%.

If due to complete early repayment If the personal insurance contract issued by Home Credit Insurance is terminated within the first 30 days after registration, the deposited amount will be returned in full.

To receive a refund, you will need to attach a certificate issued and certified by the bank to your application, according to which credit obligations the client are fully executed.

Important! An exception to the list of policies for which a refund is possible is protection against job loss at SK Home Credit Insurance. According to the policy terms, if the loan is repaid ahead of schedule under such an agreement, even part of the deposited amount is not returned.

It is legally determined that if the policy states that when early termination loan contract insurance premium does not return, then it will not be possible to obtain payment even through court.

About the features of obtaining insurance in other credit institutions:

It all started optimistically with an offer to apply for an approved loan. As a result of the conversation with the bank employees, I went to the branch to sign documents for the loan. Let me clarify that I applied on June 23, 2017. Instead of the amount we discussed, I found out that I would receive less and that total amount more credit, because Be sure to take out insurance. The specialist asked why I sign two documents for insurance? To which he answered that one program is family protection (and according to the employee, “financial protection”), and the second is “asset plus.” The office manager said that it was impossible to refuse the insurance program.

On June 26, I wrote an application to the department to be excluded from the list of insured persons, but they did not give me copies of the application. The next day, I again went to the department for copies of the documents, but according to the employee, they had already been sent to the insurance company. I insisted on re-applying because... It was important for me to have documents confirming my actions to guarantee the return of the insurance amount. The bank employee said that their printer did not work and there was no point in writing a statement. Regarding the whole situation, I left a complaint, but they did not tell me the complaint number and response time. When leaving the bank, I called the insurance company’s call center and found out that they had not received the documents.

On June 29, I came to write the application again (the printer worked), but now they refused me. She left a request to provide me with copies of documents, they promised to provide an answer within 5 working days. The next day, completely desperate, I contacted the insurance company itself and left the statements there, because... They did not receive any documents from the bank. I was very surprised to learn that under the “asset plus” program the agreement was concluded on June 21 (let me remind you that I first contacted the bank on June 23). The bank was negligent in its obligations (both transferring applications to the insurance company and providing copies of documents and responding to the claim). I believe that if a bank values its reputation, then it should provide quality training to employees! Starting from the correct provision of information to the expression on the faces of employees. Based on the above, I concluded that the bank deliberately violates consumer rights and the law!

Credit rehabilitation from Home Credit Bank is a special service that will allow existing borrowers to restructure their existing debt through an extended period, credit holidays or another option. To receive a positive decision on credit rehabilitation, the client must fill out a questionnaire. It must indicate your full name, date of birth, contact details, reasons for the difficult financial situation, possible options solutions to the problem, your action plan.

What is credit rehabilitation at Home Credit Bank?

In the wake of the 2014 crisis and the increased percentage of overdue payments current loans Home Credit Bank decided to offer its clients high-quality new service— credit rehabilitation. It will allow the borrower to maintain a good credit history and a positive relationship with the bank without delays.

The essence of credit rehabilitation from Home Credit is simple. The bank provides the client with a restructuring of the current debt due to an increased loan term and a reduced monthly payment, reduced interest rate, providing “credit holidays”, etc. Depending on the current situation, the bank will independently select the most convenient option for the borrower, based on the data provided to it.

Let us consider in detail each option of the bank’s possible offer. Credit holidays- this is a deferment of monthly payments for 2-4 months without fines, sanctions or damage credit history. The client is simply given a temporary “respite” from monthly payments. This is a real lifeline for borrowers who are temporarily unemployed and are looking for a suitable place. They just need 2-3 months to “get back on their feet” and continue making loan payments without delays.

Increasing the loan term and, accordingly, reducing the amount of monthly payments. To make it easier for the client to pay, the bank may reduce the amount of the monthly payment by increasing the loan term. In this case, an additional agreement is concluded on the same terms, only with an extended period of 1-2 years. Due to this, you can achieve a significant reduction in the monthly payment by 1.5-2 times the original amount. This option for credit rehabilitation is suitable for clients with high debt levels who have many other debts and loans.

A reduction in the interest rate and, as a result, a reduction in the amount of monthly payments. If the borrower regularly paid the loan, but unforeseen financial difficulties arose in his life, the bank may meet halfway and offer a significant reduction in the interest rate. Typically this reduction is 10-15% points, or even more. Due to this, the monthly loan installment is reduced and it is easier for the client to pay it, but the other terms of the loan remain the same.

Credit rehabilitation Home Credit may include a set of measures aimed at reducing the risk of non-repayment. For example, the client may be immediately offered a slight reduction in the interest rate, an increase in the loan term and a credit holiday for 1-2 months. The integrated method is the most effective and suitable for most borrowers. The bank will choose the final option for debt restructuring independently, based on the borrower’s background, which he must describe in detail in the application for rehabilitation.

Who can get rehabilitation?

Only existing clients who have an unclosed loan or credit card. This is not a regular refinancing, so clients of other banks will not be able to get it.

The following may apply for restructuring:

Customers with an already overdue payment or several installments
Borrowers who have not yet been in arrears, but understand that they will not be able to pay the next installment on time.

If the current overdue is small or non-existent, a separate agreement is concluded between the bank and the client to the current loan agreement. According to it, the client can receive a reduction in payment due to an increase in the loan term.

If the client has a large overdue payment (over 90-120 days), then the bank gives him a 6-month period, during which it undertakes not to take collection measures or impose penalties. In exchange for this, the bank requires timely payment from the client of any amounts available to him.

For example, the borrower is overdue for 6 months. Every month he needs to repay 4,000 rubles on the loan by the 20th of each current month. By concluding an additional agreement, the client can pay any amount, even 500 rubles, as a monthly installment before the 20th of each month, and the bank promises not to charge late fees, not to sell the debt to collectors and not to collect overdue payments.

After 6 months, the client must return to the payment schedule and pay the same 4,000 thousand rubles. every month, and the unpaid money during those 6 months will need to be returned at the end of the loan term.

How to get rehabilitation?

To receive rehabilitation, the client must fill out an application online, at a bank branch or by phone hotline. Which of these options to choose is up to the borrower, but one of the fastest and most convenient is filling out the application form remotely via the Internet. Let's look at how you can fill out an application for credit rehabilitation yourself.

On the bank’s page at: homecredit.ru/dolg, the client needs to fill out an application for rehabilitation. First, the borrower needs to introduce himself by indicating his full name, date of birth and contact email address.

Next, the bank offers to describe in detail the current situation and the reason that led to financial difficulties in the family. Here the borrower needs to essentially talk about the reasons for the lack of money (loss of job, illness, dismissal, decision to change jobs, long sick leave, birth of a child, maternity leave, new loan and a high credit load, which does not allow you to pay everything current loans etc.) There is no need to lie or make things up. It is better for the client to describe the real situation, current opportunities, all income and expenses.

You definitely need to write that you will pay off the loan and are not refusing it, but you just need a little time to “get back on track.” It is important to convince the bank that there will indeed be positive changes, for example, indicating that you are awaiting review of your resume and you have a high chance of getting the job, etc.

Next, the bank invites the borrower to create his own debt repayment schedule indicating specific dates and amounts. The client will also need to indicate the nearest planned payment date and a convenient amount.

After this, you can click the “Submit” button. The application for credit rehabilitation is considered by the bank in individually within 1-2 business days. If questions arise, the client can receive a call from the overdue debt department to discuss an acceptable option, etc. The bank will send the final decision to email.

How to obtain it and who can be refused?

Credit rehabilitation is not provided to clients whose case has been sent to court, or is with collectors and there are some agreements with them. For persistent defaulters who avoid any communication with the bank/collectors (do not answer the phone, blacklist numbers, etc.), the bank is unlikely to agree to provide restructuring.

The procedure for obtaining credit rehabilitation is simple and consists of several steps. First, the client needs to fill out an application online and wait for a positive decision from the bank.

If the credit institution approves the application and agrees with the borrower’s repayment schedule, or offers its own option, the client will need to come to the selected Home Credit branch in his city to conclude an additional agreement.

At the borrower’s office, they will familiarize themselves with the new conditions, present a new repayment schedule and related documents. They will need to be signed and the debt paid in strict accordance with the papers.

Pros and cons of credit rehabilitation Home Credit

Among the positive aspects of the rehabilitation program are:

An opportunity to reduce the credit burden on a borrower who has many other loans and payments, financial difficulties, etc.
Many convenient remote ways to apply for rehabilitation
Rehabilitation is formalized in the form of an additional agreement to the contract, and not in words, as often happens in banks
Home Credit offers a lot of different options that are sure to suit the client
Clients with current overdue payments over 120 days can receive the service, and not only borrowers with 3-5 day delays
The borrower's credit history will be preserved, and the relationship with the bank will remain positive

TO negative aspects restructuring may include:

Possible refusal of the bank to provide this service.
You cannot receive the service if the debt is transferred or sold to collectors

If the bank for some reason refuses to provide credit rehabilitation, the borrower can always get a loan to refinance the current debt from any other bank. This option has a lot of positive nuances, from a guaranteed reduction in the interest rate on the loan and the amount of the monthly payment to the complete termination of any obligations to the former creditor.
If you have lost your job or become seriously ill, do not rush to apply for restructuring. Better read yours carefully loan agreement with Home Credit Bank. Perhaps the credit institution has connected you to life and health insurance, or job loss insurance. In this case, you will only need to prove the insured event and Insurance Company will pay your monthly fees until you get back on your feet.
Upon dismissal, immediately register with municipal service employment. Such a certificate will be a guaranteed confirmation of the client’s difficult financial situation indicating the exact date.
If you have already received a restructuring and repaid the loan from the bank under the new terms, be sure to ask for a certificate of absence of debt and claims. Store it for at least 3-5 years.
It is better to write an application with a request for restructuring to the bank’s official email, through a special form on the website, or by registered mail via Russian Post.

What do Home Credit Bank credit rehabilitation reviews say?

The opinions of ordinary borrowers of a credit institution are divided. Some argue that this is a very important and required program, which saved them from the oppression of collectors, judicial proceedings and other troubles, allowed me to return to the debt repayment schedule and maintain my credit reputation.

Clients note that the bank follows the stated terms of restructuring and does not pester with calls, does not charge fines and does not transfer the debt to collectors for collection. At least as long as the client fulfills the terms of the additional agreement properly.

Others claim that Home Credit Bank often “cheats” when granting the requested restructuring, asking for interest, then another payment according to the schedule, or something else, and only after that will it be ready to approve the restructuring. Many clients claim that the processing of an application takes a very long time, and if they do not pick up the phone in a timely manner when calling, then such an application is immediately rejected.