People who want to get a consumer loan at Sovcombank for special card, must figure out how to pay for the Halva card. This will avoid late payments and ensure that you receive the maximum possible credit limit, the amount of which is 300 thousand rubles. Timely payment will ensure that all the benefits of such a loan product are used.

What conditions does the Halva card provide?

Having received a nominal card, for the issue of which you do not have to pay, its holder gets the opportunity to buy goods and services without money, in installments and without overpayments:

• household appliances, furniture, clothes and any other goods from Sovcombank partner stores;
• purchase plane or train tickets;
• pay for the Internet and mobile communications.

You can make a purchase in installments, even when there is no personal money, without overpaying for a loan. It must be remembered that free - only a certain period of use of the loan. Then you have to pay interest.

For replenishment open account no commission is taken from the borrower on the card. The card provides payment by installments up to 12 months. During the term of the installment plan, no interest is accrued on the spent amount.

How it works?

Payment is made by Halva card in specific stores and companies that are listed on the site where the registration is carried out. For a year of free installment use, you can:

• save in a savings account cash that come from the main work of the borrower;
• it is profitable to purchase by paying in installments without commissions the necessary things for the house;
• receive a return of 1.5% of the purchase made to your card;
• always have the opportunity to purchase the necessary goods and services at a favorable credit rate.

To choose the right products for yourself, you first need to find out in which stores you can pay in such a non-cash way. The cardholder will be able to find out the name of the partner stores on a special website or in his Internet banking in his personal account. The huge list includes more than 10,000 stores and companies, including large retail chains, federal operators and small local firms. Therefore, the Halva card can be used to pay for almost any services and goods throughout Russia. Using the Halva card, pay even when there is no money to urgently buy a ticket or make another purchase.

What is a mandatory payment and how can I replenish the Halva card?

Before you begin to actively use such loan product, you should find out how to pay for the Halva card and how long it should arrive mandatory payment. Customers are often interested in whether it is possible to replenish the card on the Internet from other accounts of its holder.

Sovcombank has provided a variety of ways to deposit mandatory payment, which will allow you to quickly transfer money at any time of the day and help you avoid late fees. You can top up via:

• branded ATMs and in the offices of Sovcombank, of which more than 2000 are open in Russia;
• post offices;
• other Russian banks;
• electronic services;
• other cards valid in Russia.

Timely paid debts allow using such a card for 5 years. With the help of deferred payment and timely repayment of the loan, you can save a lot by learning how to properly manage your finances via a cell phone in any place where there is Internet. The holder of the Halva card has the opportunity in his personal account to track expenses, monitor receipts on the card of loan payment and bonus amounts returned for the purchase made.

You can buy with the card an unlimited number of times during the month. Mandatory payment should be done once a month. The entire amount of purchases is added up, and interest is calculated, which must be paid in order to avoid fines.

Produced in several ways. Conventionally, they can be divided into free - for which no commission is charged, and paid - when using them, holders pay a commission, the amount of which varies. For each method, the amount of crediting, terms, etc. are considered.

4 ways to pay for the Halva installment card without commission

Sovcombank has provided for its customers 4 ways by which the card is replenished without commission. Each of them is convenient in its own way. Only the timing of receipt of funds to the account can vary here.

The holder spends not his own, but borrowed funds, therefore, when using the card and making purchases, you need to be completely sure that in reporting period money will go to the card account.

Payment through an ATM of Sovcombank

Convenient payment option. You can use it only if you have a card (the physical media itself). The menu has a “Card replenishment” tab, by clicking on which the holder will be able to complete the transaction. Money is paid in cash. The credited amount is displayed on the ATM screen. The account is replenished within a minute.

You cannot use this method without a card. Sovcombank ATMs do not carry out transactions by number. There are no restrictions on the deposited amount. You can deposit up to 350 thousand rubles on the card at once - the maximum limit provided by the issuing bank.

Through the bank teller

If the card is not in hand, or for some reason it is not possible to make a transaction through an ATM, replenishment of the account is possible through a bank branch. To do this, you will need a passport of a citizen depositing money to a card account.

The application contains the card number, personal details, the amount of replenishment. The receipt and money are handed over to the cashier. The time of receipt of funds does not exceed 1-3 minutes. There are no limits on amounts.

From a Sovcombank credit card

According to statistics, most of the holders used Sovcombank credit cards even before its registration. Replenishment via Personal Area- the most effective and acceptable from all sides payment option without interest. The holder does not need to look for an ATM or personally visit the bank. Just go to your credit card account and do the following:

1. In the "payments" tab, find the section with the Halva installment card.
2. Go to this section, select the direction of the transaction.
3. Enter the amount and make the transfer.
4. Confirm the transaction and wait for the notification of the receipt of funds.

When using this option, the money comes to the account instantly. If an SMS notification is connected via Halva, then immediately after the transaction is completed, the holder receives a message about the receipt of funds to the account. The amount limit depends on the tariff for.

Translation by Russian Post

The most unused method of replenishment, which also does not involve a commission. The Russian Post employee needs to announce the card account number (the same as the card number), provide the original passport, and deposit the required amount of funds.

A significant disadvantage of this method is the timing of the receipt of money. Taking into account weekends / holidays, the actual enrollment may take up to 5 days. A highly inappropriate method, given that the balance must be restored before the end of the reporting period. There are no limits on amounts.

3 ways to replenish the Halva card with a commission

For some holders, for some reason, free deposit options may not be available. There may not be an ATM or a bank nearby, the balance on the credit card is reset, and the Russian Post is closed for the weekend. For this case, there are alternative ways Halva replenishment, where you can deposit money with interest. Their main disadvantage is the presence of a commission, the size of which is not always the same.

From a third-party bank card

Theoretically, transfers are possible between cards of any Russian banks, including via the Internet. Therefore, Halva can be replenished from the balance of another card third party bank. Here the commission consists of two components: a fixed amount and a percentage of the transfer amount.

This method should be used only for significant transfer amounts. For example, with no premium card Sberbank transfer will cost 250 rubles + 2% of the transaction amount. Transferring 1000 rubles, you will have to pay 1300 rubles. And so on. For larger amounts, such a commission is less noticeable. The amount of commission charged must be clarified in advance. The same applies to the timing of receipt of funds.

Through the cash desk of a third-party credit organization

To put money in this way, you need to visit the office of any (!) Bank, provide the original passport, fill out a receipt, pay a commission, transfer the money to the cashier. The size of the commission does not depend on Sovcombank - the sending banks of the transfer set their own rules here. Large credit organizations charge a percentage - no more than 2-3% of the transfer amount. In smaller banks, in addition to interest, a fixed part of the commission fee may be charged.

From e-wallet

Halva is a card that differs markedly from standard credit cards. We will tell you further about how to use the Sovcombank Halva card and what its main advantage is.

Halva Map: conditions

Halva is a card that gives the client the opportunity to purchase required item in installments without overpayment (subject to compliance with the rules). Halva's issuer is Sovcombank.
According to the terms of the bank maximum limit can reach 350,000 rubles (however, in practice, such a limit is rare).

The main advantage of the Halva product is the possibility of interest-free installments in partner stores. For registration of installments, you can receive discounts and bonuses of 1-3%. If you pay through apps on your phone Android Pay or Apple Pay, the amount of cashback in the affiliate network is up to 12%, in other stores up to 3%.

When paying with your own funds, a cashback of up to 20% is provided (if the product was purchased under the "Favorite Purchase" promotion).

Sovcombank accrues up to 7.5% per annum on its own funds on the Halva card if the client made more than 5 purchases in the amount of 10,000 rubles or more in a month. Also, the fulfillment of this condition automatically increases the rates on bank deposits by 1%.

Who can apply?

A citizen of the Russian Federation, aged 20-80 years old, can issue a Halva purchase card in installments. Besides, individual must meet the requirements:

• Permanent registration for at least 4 months and residence in the region where the branch of Sovcombank is located.
• Permanent job and work experience of at least 4 months.
• Personal mobile number.

To obtain a card, only a passport is required, but at the discretion of the bank, additional documents(for completeness of information about the client, if it was not enough).

How to pay a loan on a Halva card?

Loan repayment can be done in any convenient way:

• In the branch of Sovcombank, self-service terminals.
• In Russian post offices.
• Transfer from card to card (you need to know the full details of the plastic).
• In the Internet Bank by transferring from any client card (salary, debit, etc.).
• through other banks.

Do not delay payment or completely ignore the mandatory payment. For this, the bank charges fines. And in case of a systemic violation of the payment procedure, access to the credit limit is blocked.

In which stores can I use the Halva card?

You can use the Halva product in the following partner stores:

1. Construction and repair:
   1. Santehtorg,
   2. Square meter,
   3. Master Plumber,
   4. Coloring, World of windows and doors,
   5. ceramics house,
   6. Stroylandia.
2. Food:
   1. Angelica,
   2. Pyaterochka,
   3. penny,
   4. league,
   5. Compound,
   6. globe
3. Clothes, shoes:
   1. Kari,
   2. SELA,
   3. lamoda,
   4. Insity,
   5. davi,
   6. quadro,
   7. redmond,
   8. Collins,
   9. The Snow Queen
4. Childen's goods:
   1. children's walker,
   2. Incity,
   3. Child's world,
   4. boat,
   5. Fidget
   6. City,
   7. Hippo
5. Appliances:
   1. M Video,
   2. samsung,
   3. Technopark,
   4. El Dorado,
   5. Electromir,
   6. Atlant
6. Mobile phones:
   1. Division,
   2. Megaphone,
   3. TELE 2,
   4. Beeline
7. Jewelry:
   1. Russian gold,
   2. Russian gold,
   3. Emerald,
   4. golden orchid,
   5. golden beetle
8. Cosmetics, perfumery:
   1. Seven+Me
   2. ILE DE BEAUTE,
   3. Class Market,
   4. Fortune,
   5. RIVE GAUCHE
9. Pharmacies:
   1. State Pharmacy,
   2. City Health,
   3. tabletochka,
   4. Samson Pharma,
   5. pharmacy 36.6
10. gas station:
    1. TATNEFT,
    2. Lukoil,
    3. Aster,
    4. Oil Crossing,
    5. Oil pipeline

On the Halva website or in your personal account, you can get acquainted with the full list of trading partners and find out possible term installments for goods.

An installment card is the next level in the evolution of a credit card. As of January 2018, it is issued in three versions: from Home Credit Bank, QIWI service and Sovcombank PJSC. Halva is the product of the latter organization. Appeared in 2017 on the basis of the Belarusian analogue of the same name. Valid only on the territory of Russia and the Republic of Belarus.

How the card works

Principle of operation credit and debit card similar to the classical installment format.

1. This is a target loan for the purchase of goods of various categories.
2. There is no possibility to withdraw cash.
3. You can pay at any store of the bank's partner network.
4. Upon repayment of the entire amount of the debt in specified period usage fee bank money is 0 rubles.
5. No initial deposit required.

Since October 16, 2017, the Halva interest-free installment card for cashless payments has been issued in version 2.0. Issued to borrowers after approval of the application and employees of organizations that cooperate with the bank on payroll projects and other corporate programs. The purchase does not require documents. The calculation is carried out in the same way as in the case of a credit card (through a POS-terminal).

Real installment terms

To figure out what the catch is here, and whether there is one, you need to look at the real conditions for servicing an account from Sovcombank PJSC.

1. Credit limit from 0.1 to 350 thousand rubles.
2. The interest rate during the installment period is 0%. If the borrower does not have time to repay the debt within this period, interest is charged on the balance at a rate of 10% per annum.
3. Repayment is due no later than the 15th day of each month. The amount of each purchase is divided into a set period and paid off in equal installments.
4. Preferential installment when buying with an interest-free Halva card - from a month to a year. It is set for each group of goods by the partner store.
5. Penalties for delay monthly installment. The overdue balance is charged higher rate 36% and a penalty in the amount of 0.1% of the amount of debt outstanding on time for each day.
6. Halva 1.0 and 2.0 are connected to the Cash Back program: a refund of up to 1.5% of the amount, but not more than 1.5 thousand rubles per month.

Halva interest-free credit card from Sovcombank is issued and issued free of charge. It is not personalized, therefore it is handed out on the day of treatment. Access to mobile banking and internet banking is free of charge.

The service life of plastic is 120 months, reissue is free. The only thing the holder pays for is the urgent release when lost. The service costs 450 rubles. All Halva 2.0 cards are connected in the one-touch payment program (PayPass contactless payment technology).

Credit limit

The amount of the limit is set individually. Minimum size - 10 kopecks. Such a minimum is provided for serving customers with poor or zero credit history(initially, the account is opened de facto without a limit, but with active use it can be increased automatically). Maximum amount installments - 350 thousand rubles.

Standard Practice - a limit of three monthly salaries. That is, with a client's income of 20 thousand, he will be able to buy goods for 60 thousand.

Clarifications on the duration of the installment plan

The specific term of the installment plan is determined by the stores connected to the bank's partner network. Average terms - from two months to six months. There are clarifications:

• when buying in the amount of 3,000 rubles or more, the installment period is at least four months in all stores and service points of the network, the rule applies to any category of goods;
• the bank recently launched a promotion, according to which the new Halva holder receives grace period up to 12 months , But It is valid only for the first purchase.

Calculation of amounts payable using an example

The amount of the monthly installment is calculated as the sum of equal payments for all purchases made on this moment. 2-3 days before the middle of each month, the bank itself generates and sends the borrower an extract indicating the amount to be repaid.

For self-calculation of payment Let's take the following conditions of an example: there is a Halva installment credit card with a limit of 50 thousand rubles, in February its holder made three purchases - he bought a refrigerator, a TV and a set of clothes. Conditions of bank partners:

• The refrigerator cost 20,000 rubles, the installment plan was granted for 4 months.
• The TV set cost 24,000, the grace period was six months.
• A set of clothes in the Lamoda brand store cost 5,000 rubles, and there was a 10-month grace period for settlement.

Monthly payments for three items will be: 5000 (refrigerator), 4000 (TV) and 500 rubles (clothes). That is, until March 15, the borrower must either deposit 9.5 thousand (5000 + 4000 + 500) into the account, or interest will begin to accrue on the amount used.

Cash Back Program

According to the conditions, the maximum cashback up to 1.5% of the purchase amount goes to Halva, but there are clarifications:

• part of the cost of the goods is returned when calculating with own funds (personal money of the holder, credited in excess of the limit);
• the maximum amount of return per month does not exceed 1.5 thousand rubles;
• when paying in a partner network store, it may not be possible to use personal funds if there is an available credit limit.

What and where can I pay by card

In February 2018, the number of project participants exceeded the mark of 76 thousand stores and service centers. You can pay by card in cafes, shopping centers, clothing boutiques, online stores. Borrowed funds are used to purchase electronics, household appliances, jewelry, sporting goods, branded shoes, fuel at gas stations, operator services mobile communications and much more.

The largest shops and services-partners of the bank:

• online stores Lamoda and Bonprix;
• restaurant "Burger King";
• dental clinics "NovaDent";
• jewelry stores "Emerald", "Russian Gold";
• branded Lego and Samsung centers;
• Eurowindow company.

The full list of stores participating in the project can be viewed on the Sovcombank PJSC website (on the Halva page) and in the mobile application for Android and iOS devices. The latter are available for free in the Play Market and App Store catalogs.

The list of stores, online services, gas stations and other partners is constantly updated. The bank's website has a separate section dedicated to companies that will soon connect to the network. In Customer Relations, you can suggest your partner for inclusion in this directory.

Conditions for issuing a card

The procedure for issuing Halva repeats the conditions and algorithm for obtaining a credit card. The limit is approved within five minutes, subsequently it can be increased automatically or at the initiative of the client. There are requirements for the borrower. The issuance is carried out on two documents.

Client Requirements

All citizens of the Russian Federation who meet the following requirements can receive a Halva 2.0 interest-free installment card:

• age - 20–75 years;
• official employment (optional for pensioners);
• experience at the last place of employment from four months;
• total experience - 4-6 months;
• positive or zero credit history;
• absence of overdue debts and large debt obligations;
• permanent residence permit (not earlier than four months prior to application).

What documents are needed to apply for Halva

No documents are required to apply. In it, it is desirable to indicate the residence permit, the desired amount, size monthly income and a landline phone from the place of work (ringing is not always carried out). After approval for email address the customer is sent the approved conditions.

To obtain plastic card installments on hand, you must provide:

• passport;
• any other document (military ID, TIN, international passport, SNILS).

A 2-NDFL certificate is optional, but the bank may request it to set a high limit (over 100 thousand rubles).

Decor

You can order Halva in one of three ways.

1. Fill out the form on the bank's website. An application for a Halva credit card is considered within 3–5 minutes.
2. Contact the bank branch in your city.
3. Order by phone.

When the lender approves the limit of available borrowed money on the card, the client will be required to fill out a questionnaire. This can be done at a bank branch or at home if the plastic is delivered by courier. The borrower chooses the method of receipt (in person, with delivery).

Using the card

You can use the product immediately after receiving it. The plastic bag comes with a PIN code. It can be changed in your online banking account or ATM. In the second version, Halva works as an interest-free installment card and a debit account.

The options available to the holder are:

• payment in the stores of the network of partners with borrowed money;
• payment in all shopping centers with personal funds;
• viewing statements in your personal account of Internet banking;
• requesting information via mobile phone;
• replenishment by any means (terminal, bank cash desk, online payments);
• withdrawal of personal information at an ATM of Sovcombank PJSC.

Halva does not require activation and does not provide for rewards for credit services on the map. It is issued to the client in the hands of an already active with a secret PIN and a memo.

Personal Area

Control of movements - expenses and repayments - is carried out in the personal account of the Internet banking system. Access to it is provided free of charge. The connection is made by an employee at the time of card issuance.

How to enter

To enter your personal account to view the balance of the card, you need personal identification data:

• the login is indicated in the agreement with the creditor (assigned when opening an account);
• the password comes in SMS after issuing.

To identify yourself, you need to go to a secure Internet banking site and enter your login and password. The system will ask you to confirm your intention to enter through another message on your mobile.

The codes that are sent to the user via SMS are intended only for the client, because they allow you to use the card and carry out financial operations. A bank employee never asks for a unique code from a message or a PIN.

Possibilities

In your personal account you can:

• view the balance of the available limit;
• control the receipt (repayment);
• request a statement of movements for the reporting period;
• apply to increase the available credit limit;
• block the account in case of loss of plastic;
• transfer personal funds to your other accounts;
• transfer money for installment repayment.

There is chat support, the user can check with the operator how his credit card works, and on what conditions he has the right to pay for it.

How to check balance

You can view the balance - available credit funds and the balance of personal savings - at any time:

• in your personal account via the Internet;
• through mobile app installed on your tablet or smartphone.

If there is no access to the Network, the bank offers to call hotline. The operator will give all the information when the user will be identified(it is necessary to name the full name, date of birth and code word).

How to pay off debt and replenish the account

To replenish an interest-free card, the holder can use:

• bank self-service terminal;
• translation service;
• Internet banking or mobile application (transfer);
• cash desks at branches.

Interbank transfer with a commission is available. Upon redemption or deposit own money through the cash desk of Sovcombank, an additional 100 rubles are charged. Service commission payments cash transactions on the map you can avoid:

• if in the department credit institution do not work (missing) terminals;
• when is the last installment to close the balance of the debt;
• when the card is closed.

How to close the card

To close an account in the Halva project, you need to contact an employee at the branch or submit an online application in your personal account. It is serviced quickly, provided that the client has a zero balance and no debt.

When submitting, you will need to indicate the reason for the closure (if it is not carried out at the initiative of the bank). The closing itself is carried out in the mode of termination of the contract at the request of the client and is free of charge.

How to withdraw funds from the card

Cash withdrawal or transfer works only with the holder's own savings. Credit money cannot be transferred or cashed out. You can use your own funds:

• transfer without commission to other accounts of the lender (often borrowers are offered to immediately issue a credit and free debit card);
• receive cash from ATMs of the system.

Main cons

Returning to the issue of the pitfalls of the Halva 2.0 project, it is worth noting the following:

• installment is available only in stores connected to the affiliate program;
• it is impossible to withdraw credit cash from the account;
• Cash Back cannot be used while there is an unused credit (the purchase is made for loan funds);
• when withdrawing own funds interest is charged for cash withdrawals at an ATM in the amount of up to 5%;
• despite the large base of partners, the choice of the buyer of goods is still limited.

Card Benefits

True, for many users, the pros justify and cover the cons. Card benefits include:

• null an initial fee when buying any product;
• interest-free loan on the terms of its repayment before the expiration of the installment plan;
• long service life of plastic (issued for 10 years);
• when calculating, you do not need to enter a PIN code each time;
• completely free service (access to mobile and Internet banking, no annual fees);
• free issue;
• good credit limit (up to 350 thousand rubles);
• the opportunity to use the loan without interest for 4–12 months;
• simple and understandable algorithm for calculating the monthly installment;
• low annual interest rate;
• profitability of a debit account (interest is charged on the balance of personal funds at a rate of 7–8.25%);
• constant expansion of the list of project participants.

It's convenient that banking product can be issued instantly online and received at home or at the place of work with a courier.

When is it worth to issue Halva from Sovcombank PJSC

Practice shows that the design of Halva is justified and beneficial when:

• you can do without cash;
• urgently need to replace failed household or office equipment, electronics;
• you need to buy a solid gift;
• a holiday is planned in a restaurant or cafe;
• you need a specific product, and it is sold in partner stores of the bank.

One of the advantages of this card is the ability to increase Grace period up to four months. Therefore, it is profitable to take it if the amount of the planned acquisition is more than 3000 rubles. For online shopping this is the most profitable proposition modern market credit services.

In the struggle to attract customers, banks and microfinance institutions are inventive in creating prospects for cooperation. Minimum interest rates on loans, the maximum - on deposits are firmly established in life. The Halva universal product is an installment card of Sovcombank, the conditions of which are so striking in providing benefits that prospective owners suspect a trick.

Instant purchases, free registration and maintenance, one-touch payments, a growing credit limit - these are the priorities that brought popularity to the created payment instrument. Distinctive values ​​- dual debit-credit function and installment purchases up to 18 months without paying interest. Benefits made the card the No. 1 product on financial market in less than two years of existence.

Cashback and bonuses

In addition to the possibility of multiple lending, the Halva card can work as a debit card, which allows you to store your own money. For a kind of deposit when making only one purchase with personal or credit funds, 6% per annum is charged. The reward comes to the balance of personal money and automatically rises to 7.5% under the following conditions:

• Completion of five settlement transactions in the affiliate network.
• The total cash equivalent of the acquired valuables is not less than 10,000 rubles.
• Exclusion of the return of goods in the current period.
• Absence of overdue debts on payments to the bank.

Cashback is credited only for purchases at the expense of own sources. For cards issued up to 22.01.2019 inclusive, the refund amount is:

• 6% - upon payment mobile phone in partner stores.
• 2% - when buying from enterprises that have entered into a partnership agreement and paying by card or on the Internet.
• 1% - for any payment method outside the affiliate network.

A promotion is provided by Sovcombank on the Halva card, the conditions for using the product in 2019 allow the client to receive bonuses until the end of this year:

1. Cashback of 35% the cost of one purchase when paying by phone with your own funds. The right arises for the cardholder once during the period of the action in trade and service enterprises that have entered into contractual partnerships with the bank.
2. installment year for a prospective purchase within the partner network at the expense of loan funds. You can use the privilege no more than twice, subject to payment by phone.

Individual design

The Bank maintains the image of its customers, preserving originality and originality. The organization allows you to choose your own Halva card design. Orders for individual projects accepted by all branches of Sovcombank. The price of the manufacturing service is:

• 2 000 rub. - upon receipt at a bank branch;
• 3 000 rub. - upon delivery to the customer's address.

Further service is carried out free of charge, and the card acquires the status of a nominal one.

Halal

In a number of bank branches located in Moscow, Saratov and its suburbs Engels, Penza, the Republics of Tatarstan and Bashkortostan, you can issue a card called Halva Halal. The card allows you to buy from food to building materials, sophisticated household appliances and auto parts in 74,580 partner stores. Enterprises retail passed the control of Shariah for the conformity of goods.

Halal Halva is an installment card, the conditions of which allow you to receive increased bonuses from a number of partners:

• 5% cashback at My Family and HELLY HANSEN retail chains.
• 5 months installment plan for auto parts at RosAvto.
• 20% cashback on goods and services of the CHICAGO beauty school.

Halal decoration possible upon presentation of only a passport confirming Russian citizenship, permanent registration over four recent months and age requirements from 20 to 80 years.

Halva Sovcombank card: conditions and tariffs

Ultimately profitable terms installments, minimum payments and penalties are based on a well-thought-out scheme of work. Attracting partners - retail chains and services provides an opportunity for the bank to earn money by paying for attracting a buyer. The store extracts funds by providing a kind of discount to a regular customer, transferring money to the bank. For the first time in 2017, the Halva card was issued by Sovcombank, the conditions for obtaining give privileges to each party - a participant in mutually beneficial trilateral cooperation.

installment limit

The credit limit is set by the bank in agreement with the client. Amount limit installments is 350 000 rub.

Failure to use bank funds automatically transfers the card to the debit category. Controlling the turnover of own funds on the card by the bank is an indicator for revising the limit. Additional terms to increase the limit, evaluated in favor of the client - receiving a permanent income.

Monthly payment and fees

Depending on the installment period of a particular partner company, when purchasing a product, the price is divided arithmetically by the total number of months of the provided installment plan. The amount received represents the monthly mandatory payment. If the repayment is on time, no interest is charged. There is a well-functioning mechanism: I bought the goods today, paid in equal installments over the delayed period, without overpaying a penny. If during the installment period there was an increase in the index consumer prices, then the client receives an additional benefit.

If payment is overdue for more than five days, credit card Halva, the conditions for using borrowed funds provide for penalties in the amount of:

• Fixed amount 590 rub. for the primary violation.
• 590 rub. + 1% of the timely outstanding debt in case of secondary default.
• 590 rub. + 2% of the amount of delay for all subsequent non-fulfillment of the stipulated contractual conditions.

In addition to the fine, a financial sanction is charged - a penalty in the form of 19% per annum for each overdue day, starting from the sixth day until the full repayment of a specific amount.

Card replenishment and cash withdrawal

There are the following replenishment methods:

• Depositing cash at Sovcombank branches through self-service terminals without commission for the operation.
• Enumeration from another bank card with a possible commission of the bank - the issuer of the card.

Withdrawing your own funds from Halva excludes the commission. Prior to the operation, it is necessary to establish a personal finance priority regime. Otherwise, the bank may consider the money received as credit and charge interest. ATMs have restrictions:

• 100 000 rub. for the reporting period when withdrawing your own money without commission.
• 15 000 rub. for one operation of cashing out borrowed funds with a commission of 2.9% + 290 rubles.

Early repayment

Early payments are counted towards future payments. Technically, repayment is made when the function is set in a mobile application or personal account.

If the deposited amount exceeds the amount of the monthly payment, then until the next repayment, the money is taken into account as part of own funds.

Requirements and documents for registration of Halva

The requirements for issuing a bank instrument are to comply with the following conditions:

1. Possession of Russian citizenship.
2. Age range from 20 to 75 years.
3. Minimum continuous experience the last employer - 4 months with official employment.
4. Permanent registration during the four months preceding the application, without changing the region.
5. Accommodation at the place of presence of a bank branch or on the territory within 70 kilometers to the nearest office of a financial institution.
6. Having a mobile phone.

In addition to a passport, when Sovcombank issues a Halva card, full terms for issuance include a list of additional documents:

1. certificates of income received from employers;
2. information about property in the form of movable and immovable property.

Additional information is required if there is insufficient information on the basis of personal data or the establishment of a credit limit in favor of the client is controversial.

Payment for purchases

The bank provides detailed information about purchases, the date of payment and the amount of the payment made through the mobile application or personal account. When using credit funds during the reporting period, the following scheme applies:

• Every month, the Halva card holder makes installment purchases in stores that are parties to the partnership agreement.
• The price of each purchase is arithmetically divided by the total number of months of the retailer's installment plan.
• At the end of the month, payments are summed up and billed in one amount, which must be repaid by the 15th day of the next month.

The use of borrowed funds is possible in a network of partner stores in Russia. Having your own money allows you to pay with a card in any stores around the world.

close map

To close the plastic, you must contact the bank branch with the appropriate application. The main requirement is the absence of debt. Funds from the card are debited to the main account of the credit institution, and the card itself is canceled and removed from the system. It is possible to automatically close when not in use for six months.

Before deciding to close the Halva card, it will not be superfluous to evaluate the reviews and conditions. The product has gained wide popularity thanks to favorable rates. Premature decision about cancellation if restoration is desired is regarded as a reissue with payment at the established rates.