Bank home credit household appliances. Installment plan at home credit bank

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 these terms are not violated, 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.
• Bank transaction according to bank details.
• Through QIWI and Eleksnet terminals.

This is complete freedom to make any purchase anywhere and without interest.

You can afford necessary purchase or a gift now, and pay money for it over several months in equal amounts without overpayments.

It is profitable and very convenient.

Information provided by LLC "HKF Bank"

Advantages of the Installment Card:

• – Installment plan 0% and no overpayments
• – Installment period is 4 months on the marketplace website
• – Valid on all products
• – Free registration and service

The "Installment" card is intended for payment only for goods and services. Installment plan is a procedure for repaying loans on a card, subject to which interest on loans is not accrued during the installment period (from 3 to 12 months for bank partners, 3 months for all other purchases on the Card). More information about the installment plan, its limitations, as well as the list of the Bank’s partners and the installment plan validity periods can be found in the installment program of HCF Bank LLC. The lending limit is set by the bank individually from 10,000 to 300,000 rubles. Interest rate on Card loans: 0% per annum - when repaid in installments; 29.8% per annum - when repaying in amounts less than installment payments. The bank has the right to refuse a loan without giving reasons. Debt repayment is carried out in the manner established by the Agreement on the use of the Installment Card. LLC "HKF Bank" General license Central Bank of the Russian Federation No. 316 dated March 15, 2012. HOME CREDIT BANK - HOME CREDIT BANK.

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 rates on POS loans are the highest in the lending sector and exceed 40-60% per year.

An installment plan is the provision of the same loan, but without accruing interest. That is, the bank pays in full for the product chosen by the borrower and divides this amount by the installment period.

Thus it turns out monthly payment, which will need to be paid according to the debt repayment schedule. How much the selected product will cost is exactly what the client will return at the end of the installment plan.

No interest charged. Cm.

See also: Installment credit cards: best deals With online application

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

FAQ on the “Goods in installments” service

The financial institution offers a fairly wide range of installment repayments. Each of the options is worth studying more carefully to choose for yourself. best option. If you need to make another payment, you will need to use one of the following methods:

1. Official website of the lender. Here you select the type of payment made and enter the contract number. The details of the card from which the debt is transferred and the confirmation code in the form of a previously received message are indicated. Funds are credited within 24 hours, and up to 2% of the amount can be charged for the transfer.
2. My Credit Service. You are required to log in to the system by entering your personal information. The system will automatically detect the required amount payment. Here you can use any card, and the commission will be 1.3%.
3. Cash via bank ATMs.
4. Institution cash desk.
5. Translation from another credit company by personal account number. In this case, you need to first find out the bank details. The size of the commission in this case directly depends on the sender and the established tariffs.
6. The use of MTS, Euroset, Beeline salons, as well as transfers, can be carried out through the system gold Crown. The amount of commission paid depends on the tariffs accepted in each organization.
7. Through payment systems Qiwi and Elexnet. At the very beginning of the operation, you need to select a special section with payment for services and the desired financial institution. After entering the contract number, you can make a transfer.

Payment options in Home Credit There are a lot of banks, each consumer has the opportunity to choose the most profitable and fastest method, based on their individual needs.

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

The bank did not regulate strict time frames for re-submitting an application for installment plans. However, it is recommended to re-apply no earlier than after 30 days.

It is best to contact the bank again if there have been significant changes in your life for the better: you have grown monthly income, expenses decreased, the loan was repaid, etc.

There are offers for the selected product from several stores at once. Can I choose any of them?

Yes, if several partner stores offer payment in installments for the product you have chosen, then the client needs to make his own choice. You should choose a store that has convenient installment plans and low delivery costs.

Do products in your 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 selected partner’s website.

The installment period depends on the conditions for the provision of 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 installment plans for a particular product. The client cannot change these conditions or choose the loan term, unless otherwise provided by the partner store.

How to repay installments from Home Credit?

The bank offers a huge list of payment methods for installments. Let's consider each option:

• Through the lender's website. The client must select the type of payment and write the agreement number. Next, you need to indicate the details of the card from which the transfer will be made to pay off the debt, enter the transaction confirmation code from SMS Bank. You can pay with any card payment system, including Maestro and MIR. The money is credited within 1 day, the commission varies up to 2% of the transfer amount.
• Through the “My Credit” service from the website. You can enter the program by entering your 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 HKF ATMs
• At the bank's cash desk
• Transfer from another credit organization by account number. The client must first obtain details from personal account Internet banking and pay monthly installments. The commission varies depending on the sending bank and its tariffs.
• Through “Golden Crown”, which is available in MTS, Svyaznoy, Euroset, Beeline, Kari and other stores. The commission varies depending on the store chosen.
• Payment of the monthly installment payment for goods from Home Credit is carried out through Qiwi and Elexnet 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 necessary data.

Conclusion

Online purchases in installments are characterized by a large number of advantages, which is confirmed by numerous reviews. Through the official resource, the buyer can get official access to all offered products.

This is an ideal opportunity to save money a large number of time, since you don’t have to look for an inexpensive product, you just need to open a special market, type the name of the desired product in the search and select from the list presented to your attention what you need at a certain moment.

Home Credit Bank launched an online platform where users can buy various goods in installments. Let's see what are the features of this offer? 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 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 installments 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 arrange an installment plan for this product from a bank partner, then he needs to press an 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, enter your delivery address ( locality, 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 valid number mobile phone. A message with a verification code will be sent to it, which must be entered into the loading window.

Field No. 3 – additional data

Home Credit is one of the leaders in consumer lending in Russia. He always strives to make this service simple and accessible to people. In August 2017, this bank launched an online store where you can immediately purchase the desired product in installments - a type of loan in which the buyer does not pay interest. In this article you will learn about what a store of goods in installments from Home Credit is, and about my review of this service.

In this store, Home Credit acts as an intermediary between the buyer and the supplier of the goods. The buyer can immediately familiarize himself with all the goods, find out about the terms of the installment plan and sign a contract. The seller undertakes delivery of the goods. By the start of the launch, more than 10 suppliers were cooperating with the online store, the main one of which was the large chain of household appliances and electronics stores Technopark.

Short review

All products in the online store are eligible for interest-free installments

Usage

Range

Availability

Advantages

• Convenient payment in installments
• Home delivery of goods

Flaws

Advantages

• Convenient payment in installments

  To complete the application, you only need a passport. You can sign the agreement at the bank’s office or with a visiting specialist.

• Delivery in many regions of Russia

  The store can be used by those who live in the regions where the bank operates. Delivery can be arranged to any city in the country.

• Many ways to pay off debt

  You can pay in installments in a variety of ways - by transfer from debit card, at ATMs and bank cash desks, by Zolotaya Korona transfer, in Elexnet terminals and others.

• Completely interest-free installments

  The purchase price is paid in installments without overpayments. For late payments, the bank charges fines and penalties.

• Home delivery of goods

  All purchases in the online store are made with home delivery. Delivery speed depends on transport company, through which it is issued

Flaws

• Small assortment of the store

  In the online store you can only purchase various electronics and equipment. Its range is rarely replenished.

• You cannot select the installment period

  The bank sets the duration of the installment plan separately for each purchase. For the same product you cannot choose a longer or shorter period.

• A large package of documents is required

  To apply for an installment plan, you need the same documents as for conventional loan- passport, income certificate, work book and others. You also need a good credit history.

How does an installment plan differ from a loan?

According to the principle of registration, an installment plan is similar to a consumer loan, which you apply for in the process of purchasing a product. In both cases, the bank pays the purchase amount, and you need to return this amount within a certain period of time. The differences will be in the order in which this amount is repaid.

In the case of a loan, interest will be charged on the amount established by the bank rate. Interest must also be repaid along with the principal amount. When paying in installments, the amount payable is divided into equal parts according to the number of months in the payment period, and the buyer must pay only this amount. All interest and commissions are borne by the seller.

In many cases, installments more profitable than a loan, since the buyer will be able to pay for any product without any overpayments. Installment plan is being arranged faster loan and often does not require a large package of documents - you only need a passport and, sometimes, a second document confirming your identity. However, the period for which it is provided is most often shorter than that of a loan, and the amount to be repaid per month may be higher. Also, the buyer is sometimes required to pay at checkout an initial fee- up to 30% of the cost of the goods.

There is an installment plan option, in which you enter into an agreement directly with the store where you buy the product. Here, no party needs to pay interest, and everyone controversial issues are resolved directly by the seller and the buyer, without interest. However, such installment plans are less common than those provided by the bank.

There are not many stores where installment plans are available and banks that provide it. For those who are interested in this method of paying for purchases, it is important to immediately know where and under what conditions you can apply for an installment plan. Solutions such as the Home Credit online store should help people get the goods they need without overpayments.

How does the Home Credit online store work?

You can go to the Home Credit Market store directly from the bank’s website. Outwardly, it looks like any other online store. On the right is a catalog of products, which indicates the model, manufacturer and price if paid in installments. On the left are product categories by which you can select and sort the offers you need. You can select products by brand, full cost or monthly payment amount.

At the time of launch, only various electronics and household appliances could be purchased in this store. To date, the range has expanded slightly - sporting goods and musical instruments have been added to it. Perhaps in the future they will be added to other popular categories of purchases in installments - for example, furniture or expensive clothing.

Each product has its own page, which contains a detailed description and characteristics. It is also indicated here full cost installments and the period for which it is valid. For some products you can choose a convenient installment period.

In addition, you will see which partners have the product available and under what conditions it can be ordered. The final price of the same product may differ from store to store. Some companies also require a separate shipping fee.

Online store services are available in all regions of Russia where Home Credit is present.

There is a personal account in which you can view information about the goods you ordered - number, status, amount and installment period. In your personal account you can track the status of your order - approved, delivered or paid.

How to order goods in the Home Credit store

To order a purchase, select the desired supplier on the product page and click the “Checkout” button.

First, you will be asked to select a company that will deliver the goods to you. The delivery time and cost depend on this. You also need to indicate the address where you will receive the goods.

Then enter your date of birth and mobile phone number. Enter the code you will receive via SMS.

Provide additional information from your passport. Wait until the bank processes the application and makes a decision.

If your installment plan is approved, a bank employee will call you to clarify additional details. You will also need to sign an installment agreement. Agree with the employee on the time and place of signing - at a bank branch, at home or at work.

At the appointed time, a visiting specialist will come to you with a contract. You need to give him everything to check necessary documents– passport, documents on employment and income. After that, study the agreement and sign it.

Now all that remains is to wait for delivery. You can track its status on the website courier company, which you have chosen.

How to pay off an installment plan in a Home Credit store

The installment amount must be paid every month. You can find out on what day payments need to be made in the contract. If you are late in payment, additional fines and penalties will be assessed.

Those who have an account or card with Home Credit can pay the installment payment directly in Internet banking. To do this, in the “Loans” section you need to select your installment plan, indicate the amount to be paid and the account from which the money will be debited. This repayment method is the fastest, works around the clock and does not require payment of commission.

For other buyers, other repayment methods work:

• Through the online service for loan repayment on the bank’s website. To do this, you need to indicate the type of payment, enter the account and agreement numbers. Then enter the card details (number, holder name, expiration date, security code) and confirm the operation with the code from SMS. The money will be debited within one business day. Service accepts Visa cards, MasterCard, Maestro and MIR. Payment commission – up to 2%
• Using the “My Credit” service. To log in, please provide your phone number and date of birth. The system itself will determine whether any loan has been issued in your name from the bank and will issue you full information on it. You can also pay your monthly payment here. Visa card, MasterCard or Maestro. Commission – up to 1.3%. The My Credit service also has applications for iOS and Android
• Cash at ATMs and Home Credit cash desks. You will need a contract, and when paying at the cashier, you will also need a passport. Repayment takes place without commission, the term for crediting money is up to one business day
• By bank transfer at any bank branch. In addition to your passport and contract, you will need Home Credit bank details - you can view them on the website at any time. The deposit period is up to five working days, the commission depends on the bank you contacted
• At service points of the “Loan Repayment” service from Zolotaya Korona. Such points are available in Euroset, Svyaznoy, MTS, Beeline and Kari stores. The commission and crediting period depend on the payment amount and the conditions of the specific item
• In QIWI and Eleksnet terminals. To do this, you need to indicate the appropriate item in the “Payment for services” section desired bank and enter loan information. After that, deposit the required amount in cash. The enrollment period and commission depend on the terminal.

This is what the loan repayment form looks like on the bank’s website:

Conclusion

The Home Credit bank online store looks quite convenient. Here you can select the product you need at any convenient time and quickly apply for an installment plan. If it continues to develop - new products and categories, search functions and additional installment options will appear - then such a service will be an excellent replacement for applying for a loan or installment plan directly in the store.

When purchasing goods in installments, as in the case of consumer loan, take your financial opportunities. Try to choose an installment plan with conditions under which you can repay it consistently. Don’t miss repayment deadlines and make due payments on time. If you have any questions, be sure to contact the bank’s support service.

Did you find the answers to all your questions in this article?