Other reviews about home credit bank. Other reviews about Home Credit Bank Home Credit: offers on loans on special terms

14.02.2022

I didn’t think that I would have to write a review about the bank on this occasion, but Home Credit’s responses to my claim just pissed me off.

Before the New Year, I saw an offer from the bank on the personal Benefit page, literally: "Hurry before December 31! Additionally, when buying in any store / online store of our partners, we accrue 300 points within 40 calendar days from the date of payment with a card with Benefit."

One of these partners on the Benefits page was Perekrestok Express, respectively, on December 18, I went to this store on the way to Yeniseiskaya st., 19, building 1, made a purchase using the Cosmos card in the amount of 54 rubles.

40 days passed, promotional 300 points were not credited, on January 28 I wrote a claim through my personal account, the answer came only on February 9 and was enchanting: " We apologize for waiting for a response. Requests are processed in order of priority.

I am enclosing an extract from the Cosmos map, This transaction is not listed. Sincerely, ........., Home Credit Bank. "

At the same time, the operation is quite present in the statement. Asked for a comment, now to wait, probably another 2 weeks. After that, I chatted with a representative of the bank, she recorded my appeal. Today they called from the bank with a new version of the reason for refusing to pay the bonus, allegedly in the conditions of the promotion there was a requirement to make at least 2 purchases using the card, while referring to paragraph 4 of the Rules of the Promotion and the Terms of Participation in the Promotion. I tell you, this is a lie. Luckily, I've screenshotted both the Benefit page and the Promotion terms (see below).

APPROVED by the Order of HKF Bank LLC No. 1-14/264 dated December 14, 2017
Terms and Conditions of Participation in the Promotion "We Give 300 Points for a Purchase in Partners' Stores/Online Stores" (hereinafter referred to as the "Rules")
1. The organizer of the campaign "We give 300 points for a purchase in stores / online stores of Partners" (hereinafter referred to as the "Promotion") is the Limited Liability Company "Home Credit and Finance Bank", location: 125040, Moscow, st. . Pravdy, d. 8, bldg. 1 (hereinafter - "Organizer", "Bank").
2. The Promotion is held on the territory of the Russian Federation from December 15, 2017 to December 31, 2017 (hereinafter referred to as the “Promotion Period”).
3. Clients of the Bank - owners of payment cards issued by the Organizer (hereinafter referred to as the "Card with Benefit") within the framework of the Rules of the Benefit Program for issuing and servicing credit cards of HCF Bank LLC or whose agreements are connected to the Benefit Program can take part in the Promotion. » issuance and servicing of credit cards by HCF Bank LLC/Program Benefits of issuing and servicing debit cards by HCF Bank LLC (hereinafter referred to as the "Programs") (hereinafter referred to as the "Participant").
4. In order to participate in the Promotion, the Participants need to make a purchase during the Promotion Period using the Card with the Benefit in the stores/online stores of the Partners, which within the framework of the Promotion mean trading organizations - the Bank's partners in the Programs, the list of which is indicated in the Personal Account "Benefit". The number and amount of purchases are not limited.
5. If the Participant fulfills the conditions specified in paragraph 4 of the Rules, the Bank, in addition to the basic and promotional points established by the Programs, accrues 300 points (hereinafter referred to as "Promotional points") one-time. Promotional points are accrued within 40 calendar days from the date of purchase under the Promotion.
6. Information on the amount of accrued Promotional points is displayed in the Personal Account "Benefit".
7. Displaying information on the Promotion in the Personal Account "Benefit" includes the total amount of base and Promotion points.
8. Validity period of Promotional points is 1 (one) year from the date of their accrual.
9. Promotional points can only be used in accordance with the Programs.
10. Promotional points are not transferable to third parties.
11. Information about the Promotion and the full terms of the Promotion are communicated by the Organizer to the Participants by posting them on the website www.polza.homecredit.ru.
12. The Organizer has the right to terminate the Promotion or change the Rules at its discretion at any time during the Promotion. Information about the changes is communicated to the Participants in the manner specified in clause 11 of the Rules.
13. The Organizer and Participants have other rights and bear other obligations in accordance with the current legislation of the Russian Federation.
______________________________________________________________________________________________

I have, in fact, a question, what makes the bank so clumsily try to deceive the client, are these unfortunate 300 rubles? You can keep them. Worse, my trust in you has been shattered. I withdraw my money from the bank, I will leave a minimum.

New Year is the best time to give gifts to each other. Financial organizations also do not deviate from this holiday tradition, and prepare a number of interesting and profitable offers for the population. New Year's bank deposits in 2019 are a great opportunity to profitably invest private savings. Unlike other periods, the New Year holidays are considered the most successful time to open a special deposit.

If you are going to profitably invest your own funds, you should not rush. To get the maximum profit, it is important to first study all the offers from the largest financial institutions. It is the large banks of the Russian Federation that prepare the most profitable and profitable offers for individuals. New Year's deposits and holiday promotions will allow you to slightly increase your own budget without any risk.

Features of the seasonal offer

When analyzing banking products, it is very important to carefully study all the offers on the financial market. A feature of New Year and other seasonal deposits is that they all have the main goal - to attract as many customers as possible. Thus, on the eve of the holidays, many organizations offer a wide range of loyalty programs, promotions and other bonuses that make deposits more profitable and profitable.

The most profitable will be those deposits that meet several conditions:

Several options for terms of deposits. The most profitable are short-term investments. If desired, you can always extend or change the terms of the deposit, withdraw the required amount or take advantage of other seasonal promotions. If there is no possibility of prolongation, it is best to give preference to a longer deposit term.
Small investment opportunities. The minimum amount allows you to open deposits even if you have a small amount of money. The lower the minimum threshold, the higher the likelihood that you will be able to use one or more New Year's promotions in 2-3 organizations at the same time.
Remote opening or connection of seasonal promotions. Most of the largest financial institutions offer a convenient online banking interface, in which each client can independently, without visiting an office or branch, choose the most suitable offer for investing money.

Sberbank

One of the most accessible and popular banks in the country is Sberbank. On the eve of the new 2019 for individuals, the organization has prepared a number of very interesting and profitable promotions, each of which has its own specific advantages.

Bank employees recommend paying attention to longer programs - they not only provide higher interest rates, but also provide maximum benefits. A New Year's deposit in many banks can only be opened until December 31, 2018, so it's time to choose the most suitable offer.

The conditions of the most popular seasonal offer "Just 7%":

Deposit term - 5 months;
Possibility of early withdrawal - no;
Interest is calculated at the end of the contract.
The minimum deposit amount is 100 thousand rubles.

If necessary, you can prolong the contract on the usual terms.

"Home Credit"

From October 18, 2018, it is possible to issue a seasonal deposit "Novogodniy" in Home Credit Bank. The conditions are quite acceptable, and are much more profitable than similar offers from other financial institutions.

"New Year's" from Home Credit Bank is a profitable deposit of personal funds for 90 days (3 months). The interest rate is 8%, and the minimum amount is only one thousand rubles. Optionally, additional deposits of funds to the deposit account are allowed.

It should be borne in mind that account replenishment is possible only during the first month after opening a deposit. At the same time, debit transactions and early withdrawal of money are not provided. Clients can terminate the contract ahead of schedule - in this case, interest will be paid at a rate of 0.01% per annum. At the end of the contract, all interest is paid at the end of the term to the card (account) or in cash at the cash desk.

To draw up an agreement, you should visit one of the bank branches and present any identity document. Both regular or salary clients of the organization, and new investors can take advantage of the seasonal offer.

For those who want to make a deposit for a large amount, the banking organization offers a wide range of offers, including: "Investment" with an 8% annual rate (for 12 months), "Cabinet Plus" and others. For pensioners, there is a loyalty program and special promotions in the form of a ruble deposit "Pension Plus" and "Quick Income".

Rosselkhozbank

New Year's promotion for all regular and new customers is one of the most advantageous offers on the domestic market. "Key to Success" can be issued for any of three terms: 2, 3 or 6 months. Depending on the duration of the contract, the interest rate starts from 7.7% per annum. If you were waiting for the most opportune moment to invest personal funds (from 100 thousand rubles), then it's time to take advantage of the New Year's offer from Rosselkhozbank.

Bank employees remind that the promotion applies only to large amounts. When opening a deposit remotely, the minimum amount will be 100 thousand rubles. At the same time, if the contract is drawn up directly at the office of a banking institution, the minimum amount will already be 500 thousand rubles.

For those who are not ready to invest large amounts, the bank offers no less profitable promotions. Some of the most interesting proposals include:

"Refillable" - the term of the deposit is from 91 days at a rate of 5.85-6%;
"Pension income" - the minimum amount for the execution of the contract is 500 rubles, the interest rate is from 6.45%.

Shares from other banking organizations

Prepare New Year's gifts for their clients and other financial institutions. Before choosing the most interesting conditions and favorable rates, pay attention to other Russian banks:

Promsvyazbank. Investments during the New Year period will be beneficial for all bank customers. "My Strategy" offers to place own funds at a high interest rate (up to 8.20%). Debit transactions on the deposit are not provided, the payment of interest to the account or in cash at the cash desk at the end of the contract. There is a possibility of prolongation (up to 3 times).
Primsotsbank. By the coming 2019, all bank customers are waiting for a profitable deposit "New Year's Stocking". The minimum investment amount is only 10 thousand rubles, which will bring investors up to 7.35% per annum.
"St. Petersburg". Until January 31, 2019 inclusive, everyone will be able to profitably invest their money if they take advantage of the Winter Petersburg online offer. There are two investment options available for individuals: ruble (6.7-8.2%) and dollar (2.2-3.2%). The minimum amount for the execution of the contract is 10 thousand rubles or 500 US dollars. Deposit placement from 6 to 36 months.

Video about bank deposits

In the article:

Life situations sometimes do not allow borrowers to fulfill their obligations to the bank. Loss of a job, disability, deterioration in health and other difficulties can significantly undermine the client's credibility in front of the bank if he does not make mandatory payments. The Bank treats these events with understanding. Therefore, among its programs there is a debt amnesty Home Credit.

Loan debt amnesty - what is it?

You should not harbor illusions, dream that after submitting a certificate to the bank, the borrower will finally and unconditionally be released from all obligations under the loan agreement. There is always an intermediate option - and in each case, the bank considers the situation of the borrower individually.

The Loan Debt Amnesty campaign started in 2014. It operates in such a way that the bank offers the borrower a one-time repayment of 20% of the total debt. After that, the bank does not demand to return the debt to him.

Whether the action will be valid in 2018, time will tell. As a rule, the bank, according to specified criteria (the details of this list are unknown), selects a number of debtors and makes this unique offer to them. Therefore, if you have an overdue loan, do not ignore the calls of the bank, maybe he wants you to take part in the Debt Amnesty 2018 campaign.

In fairness, it should be noted that not all banks practice full write-off of borrowers' debts, and for most of them such an action is not acceptable. Many of them offer clients who find themselves in a difficult financial situation, debt installments, revision of the current terms of the loan agreement or credit holidays.

Terms of credit amnesty

It would seem that this is the solution to the problem. But not everything is as cloudless as the debtor would like. Negative consequences still arise for the borrower, who was affected by the Home Credit Debt Amnesty action. Reviews of this procedure are easy to find on the Internet.

It is worth remembering that debt does not disappear anywhere. Yes, the borrower is no longer required to repay it. But formally, the debt continues to be registered with the client. In simpler terms, it is written off to the bank's archive.

The principle of the amnesty action is as follows:

The borrower is invited to repay at least 20% of the debt that has arisen;
Such an offer may come from both the bank and the borrower;
It can only be used if the arrears are more than twelve months old.

The borrower will not be given any documents confirming the absence of debt, the closure of the loan or the absence of financial claims from the bank. And this means that in all programs that will be available to employees of financial institutions (not only Home Credit Bank), this borrower will have a debt in the amount of 80% of the remaining debt.

A client who decides to become a participant in the Home Credit debt amnesty campaign will not be able to apply for a loan. Moreover, we are talking about absolutely any form of it, from a credit card to a mortgage loan. No financial institution will take the risk or responsibility of disbursing a sum of money to a person who has made such a delay.

Conclusion

Banking processes in Russia are such that a complete update of information in the credit bureau occurs no more than once every ten years. And this means that from the moment the amnesty agreement is signed, at least one decade must pass before the client is given the opportunity to get a loan from a bank. Nevertheless, the debt amnesty action at Home Credit Bank finds its participants, which is also confirmed by reviews on the Internet. This will happen in 2018 if the bank makes such an offer to its borrowers. Among them are those borrowers who cannot take advantage of the bankruptcy law, and even more so cannot continue to pay the loan, even under the terms of restructuring (many banks offer this scheme today).

Statistics show that every year banks write off significant amounts from their debtors. However, debts on loans from the population are still at a high level.

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In order to soberly assess all the benefits and nuances of New Year deposits, you should definitely study this segment of banking products as a whole, taking into account the motivation of financial structures. As noted at the beginning of our conversation, this is a great chance for banks to attract the attention of customers.

A simple psychological trick works here: on the eve of the holiday, we subconsciously expect gifts and congratulations from everyone around us, and, of course, we are not more loyal to those who make them to us.

Therefore, if in another period you might have dismissed the next offer to make a bank deposit, now you will be pleased ... that you are “pleased”. Here is such a pun. Although, there is nothing criminal or bad in general here, in principle, as a rule, everyone benefits from such actions.

On the other hand, we must understand that banks are banks because they know how to count money. They, like a casino, always win. And it is difficult to reproach them with altruism.

Therefore, look carefully at the terms of the deposit, as a high rate is often compensated:

short term (a month - six months, maximum. It is logical that you will not earn as much on it as on long contracts);
the impossibility of early withdrawal or replenishment of the account, the specific payment of interest (as a rule, only at the end of the term. If you break the contract, you lose all the increased interest - at best, the base rate will be calculated);
absolutely unfavorable conditions for prolongation (in most cases at the most basic rate).

At the same time, the percentage, unlike other times of the year, can significantly exceed the current rate of the Central Bank. Advertising campaigns for New Year's deposits are carried out on a very large scale, counting on the general degree of positive in society.

Sberbank

New Year's deposit 2018-2019 opens up a wonderful opportunity for its clients to make a holiday deposit at an increased interest rate. This offer is suitable for citizens with any income level, so you can increase your budget much faster, or just save your own funds from inflation.

Bank employees recommend paying attention to longer programs - they not only provide higher interest rates, but also provide maximum benefits. A New Year's deposit in many banks can only be opened until December 31, 2018, so it's time to choose the most suitable offer.

The conditions of the most popular seasonal offer "Just 7%":

Deposit term - 5 months;
Possibility of early withdrawal - no;
Interest accrual - at the end of the contract.
The minimum deposit amount is 100 thousand rubles.

If necessary, you can prolong the contract on the usual terms.

From Rosselkhozbank

The New Year's action from Rosselkhozbank bears the eloquent name "Key to Success". The rate on it will be equal to 7.7% per annum. The minimum deposit on it will be a hundred thousandth account, and its terms can be determined for yourself different, which is very convenient - it can be two, three months or six months.

Important note: 100,000 is if you make a deposit remotely. If you bring money to the office, then it should be an amount not less than half a million.

On the eve of the last New Year, excellent deposit programs were also launched by Promsvyazbank (special offer to restart with increased percentages of the Multicurrency Basket deposit), MKB (Novogodny deposit at 8.5%), Russian Capital (for 91 days at 8% program "Digital Bonus"), there were also promotions from Home Credit Bank.

Obviously, even now they will strive to please their customers with delicious offers, however, specific information from them will appear a little later - closer to the holiday itself.

"Home Credit"

"New Year's" from Home Credit Bank is a profitable deposit of personal funds for 90 days (3 months). The interest rate is 8%, and the minimum amount is only one thousand rubles. Optionally, additional deposits of funds to the deposit account are allowed.

Shares from other banking organizations

Prepare New Year's gifts for their clients and other financial institutions. Before choosing the most interesting conditions and favorable rates, pay attention to other Russian banks:

Promsvyazbank. Investments during the New Year period will be beneficial for all bank customers. "My Strategy" offers to place own funds at a high interest rate (up to 8.20%). Debit transactions on the deposit are not provided, the payment of interest to the account or in cash at the cash desk at the end of the contract. There is a possibility of prolongation (up to 3 times).
Primsotsbank. By the coming 2019, all bank customers are waiting for a profitable deposit "New Year's Stocking". The minimum investment amount is only 10 thousand rubles, which will bring investors up to 7.35% per annum.
"St. Petersburg". Until January 31, 2019 inclusive, everyone will be able to profitably invest their money if they take advantage of the Winter Petersburg online offer. There are two investment options available for individuals: ruble (6.7-8.2%) and dollar (2.2-3.2%). The minimum amount for the execution of the contract is 10 thousand rubles or 500 US dollars. Deposit placement from 6 to 36 months.

We hope our list of New Year's deposits from the country's leading banks was useful to our readers. However, we will take the liberty of presenting them with some more good advice on the topic for free. First, if you have a large amount of money on hand, never keep it all in one bank. And even more so on one depository account.

Nobody argues, often the profitability of interest depends on the size of the contribution, but it is better to look for a middle ground, trusting several financial structures, than, in which case, to lose everything in one fell swoop.

Now, however, the State Deposit Guarantee Fund compensates for losses from cooperation with bankrupt or dishonest banks in the amount of up to 1.4 million rubles. But, you yourself understand how long all the formalities last for us, how difficult it is to prove everything, and how much effort all this bureaucracy takes.

On the same topic, one more note: never keep all your money in one currency. Experts advise, if the amounts on hand allow, put somewhere around 20-30% on foreign currency accounts, and keep half of the money in rubles. The rest - either invest wisely, or leave it in the same currency, but not in banks. So, just in case...

In addition, it is worth signing deposit agreements not only with top rating banks, choosing among them those whose conditions are the most attractive - it is worth reading analytics in relation to them from professional publications, comparing indicators for several previous years, and familiarizing yourself with forecasts.

And, of course, I don’t think it’s necessary to remind once again that it’s super-stupid to “behave” for super-large bets, as well as to be tempted by all sorts of dubious schemes of financial pyramids, trust funds and the like.

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Traditionally, banks use the pre-New Year shopping period to attract new borrowers. Some offer promotions with reduced rates, others increase the amount of cashback on credit cards. Potential customers should carefully study them so that your expectations do not exceed the promises of credit organizations.

Not everyone will get a discount.

In early November, the two largest state-owned banks immediately launched a New Year campaign on consumer loans. Sberbank announced a reduction in the interest rate on the loan to 11.9% per annum and an increase in the loan term to seven years. The bank's press release states that this proposal is due to the fact that by the end of the year the demand for loans increases by 60% compared to the beginning of the year.

The Rosselkhozbank offered an even lower rate as part of the Interest Falling Leaves campaign - for consumer loans for up to a year. The minimum loan rate is 10.7% per annum. Both promotions are valid until December 31, 2018.

One of the conditions of the Sberbank action is that the loan amount must be at least 1 million rubles. Moreover, when applying at a bank branch, and not in an online bank, the minimum loan rate will already be 12.4% per annum. Also, if the client issues a loan for a long period - from five to seven years, then the rate will rise to 12.9% per annum. If these conditions are not met, the rate may reach up to 19.9% per annum.

Rosselkhozbank also promises a low rate only to salary and “reliable” clients of the bank, as well as employees of the public sector and the largest enterprises of the Russian Federation. “For other categories of clients, the rate will be from 12.7% per annum, and for clients who have submitted an additional document on the ownership of a property or vehicle, from 11.7% per annum,” the RSHB press release says.

The most important condition for participation in the campaign is the registration of personal life, health and job loss insurance.

In practice, this means that the real cost of a loan may be even higher than in the framework of standard bank offers.

Vostochny Bank also offers a holiday promotion for cash loans. According to its terms, the loan is provided at a fixed rate of 11.5% for up to 1 million rubles. and up to three years. On the eve of the new year, a decrease in the interest rate on consumer loans was also announced at Rusfinance Bank. In particular, for "loyal borrowers who take loans for the maximum amount." However, the bank has not yet specified more detailed conditions and requirements for the New Year's program.

New Year promotions of some Russian banks: consumer credit

Cashback will end quickly

A number of banks promise increased cashback for New Year's shopping. As Ksenia Andreeva, head of the department for the development of debit cards, service packages and loyalty programs at Raiffeisenbank, notes, “premium customers receive a 10% cashback on spending on restaurants abroad in December.” In addition, new recipients of the 110 Days credit card will receive a New Year's bonus - the opportunity to withdraw cash up to 600 thousand rubles. without commission and interest.

Sviaz-Bank presented a new loyalty card with a cashback of up to 10% and 5% per annum on the account balance.

Post-bank offered a New Year's campaign "All the best returns", which will last until December 9th. According to its terms, customers can win up to 50% cashback, however, the maximum win limit is 4 thousand rubles.

There are cards on the market with a cashback limit of up to 15 thousand rubles. therefore, this action is hardly worth classifying as particularly profitable.

Citibank is planning a similar promotion, promising to return 20% cashback, and the promotion will last until April 24, 2019. “A customer who issues their first Citi Select Standard/Premium primary credit card and receives a final positive decision through any sales channel automatically receives the opportunity to receive 20% cashback back to their credit card account,” Citibank's press service said.

The reward can be received within 120 days from the date of approval of the card. Moreover, the maximum amount of remuneration will be when spending on purchases from 25 thousand rubles. per month. It is worth noting that within the framework of this promotion, the maximum cashback is limited to only 5 thousand rubles.

And Home Credit Bank launched a promotion on the Polza debit card, within which it will accrue 10% per annum on the balance of funds in the account and up to 10% cashback. It is important to clarify that in order to receive these bonuses, you need to keep an amount of at least 5 thousand rubles on your account. up to 300 thousand rubles (for amounts over 300 thousand, only 3% will be credited), and increased cashback will be only for purchases from partners, from other stores - only 1%.

It is worth paying attention to the expiration date of the promotion.

The Home Credit Bank promotion lasts only until the end of January, and then the basic conditions will apply. That is, this card is unlikely to be strikingly different from many cashback cards on the market.

Ak Bars Bank, in turn, launched a promotion for new recipients of the Emotion credit card, promising that 50 winners will receive one of the options in November-December: 15% cashback, a year of interest-free lending or free maintenance of the card for the entire period of its validity.

New Year's promotions of some Russian banks: cashback

Julia Ivanova