It's hard to imagine modern life without banking system, which finances many economic entities, ensuring their viability and growth. Bank lending is available not only to firms or private entrepreneurs, but also to ordinary citizens who use credit resources to purchase necessary goods, real estate, tuition fees or for other purposes. When applying for a loan, clients must clearly know the terms of its repayment in order to decide on the method of transferring money and avoid late payments. Repaying loans at Home Credit Bank is convenient because there are many options for transferring money to pay off debt.
Details about payment methods
Let's look at the main ways you can pay for a loan from Home Credit Bank.
Remote payment
For clients who prefer to make payments without leaving the apartment and without wasting time waiting in queues, the following methods of paying for a loan from Home Credit Bank are available:
- Home loan can be repaid via the Internet on the bank’s website under the conditions described above. The money will be credited to your account on the next business day.
The first two payments made by each of the methods described above are made without commission. In addition, no commission is charged for payment if there is no bank office or ATM in the client’s city of residence (or in the city where the loan was issued).
In addition, payments can be transferred from the salary amount by bank transfer through the accounting department of the organization where the borrower works. To do this, you need to submit an application at your place of work with a request to transfer the specified amount from wages within the specified time frame, indicating the payment details. In the case when the salary comes to the card, an application with a request to transfer part of the amount to repay the loan must be submitted to the bank where the client is served.
Cash payment
For customers who prefer to deal in cash, there are other options for depositing funds into the account:
Through third party systems
You can also use:
- Service "Golden Crown", service points of which are located throughout the country at partner ticket offices ( retail networks): Euroset, CARI, MTS, Beeline and others. Money is credited to the account the next business day after payment is made. You need to have your passport and an agreement with payment details with you.
- Branches of the Federal State Unitary Enterprise "Russian Post" supporting the CyberMoney electronic transfer program. With this payment method, funds will be credited within ten business days.
- Payment service QIWI guarantees translation Money during the working day. The service fee is 1.6%.
- The Rapida system ensures money transfer within two working days, the commission amount is 1%, for payment you need to present your passport, account number and contract number to the cashier at the Rapida point.
Getting a loan from a bank - what you need to pay attention to: Video
Home Credit Bank is primarily engaged in consumer lending population, providing customers with the opportunity to purchase goods in installments or take out cash loans. Before signing the agreement, it is recommended that you familiarize yourself with how to pay for a loan at Home Credit Bank, so that later there will be no problems with late payments and penalties. There are many payment options, and each borrower can choose the most convenient for himself. When choosing, it is important to know exactly how long it will take for the money to arrive in your account.
At any bank branch, money will be credited to your account without commissions. Information about the location of the nearest office is available on the bank’s website (link “branches and ATMs”), as well as by calling the call center 8(495)785–82–22. Presented in the offices Additional Information about various ongoing promotions.
When paying at the cash desk in cash, the money will be credited to your account within a day (banking).
At the cash desks of other banks
Payments through the cash desks of other banks to repay a loan from Home Credit Bank will be subject to a commission from the sending bank upon presentation of the loan agreement and passport. They are possible when opening a bank account or without this operation. The amount of the commission, the procedure for transferring funds and issuing a payment order must be clarified at the office of the bank performing the transfer. To pay, you will need to fill out payment order, indicate the account and details of the branch that issued the loan. Transferring money to your account will take from three to five banking days.
In Sberbank branches
The operation of transferring money to repay a loan in Sberbank branches is similar to these actions in other commercial banks. You will need a passport and the following steps:
- filling out a payment order at a bank office;
- opening an account (at the request of the bank);
- depositing funds into the cash desk (including commission) according to a payment order immediately or in advance to an account with subsequent transfer;
- receiving a payment receipt.
It will take no more than five days from depositing money into the cash register to crediting it to your account at Home Credit Bank.
At Home Credit Bank ATMs or terminals
At ATMs or self-service payment terminals that accept cash, money can be transferred using a barcode or loan agreement number. Payment by bank card or cash without commissions. You must indicate the contract or account number; ATMs also read barcodes.
In the terminal you should type “loan repayment”, attach the barcode to the reader, deposit money, and take a check to confirm the money transfer.
A list of ATMs in each locality is available on the bank’s website. Information about the location of the nearest payment terminal will be provided by calling 8(495) 785–82–22. The money will be credited to your account within banking day.
In Eleksnet terminals
You can find the nearest Elecsnet terminal on the website elecsnet.ru/terminals/addresses.
- In the main menu of the terminal, go to the “banks and loans” option, then the “Home Credit” bank and click on it.
- In the section that opens, enter the amount and account number. In this case, the commission amount will be automatically determined.
- After entering all the data, carefully check that the forms are filled out correctly, then deposit the money.
It takes 1-3 days for the money to be credited. For reliability, money must be transferred through Eleksnet terminals no later than four days before the due date of payment. Commission 1.4%, but from 50 rubles. Eleksnet gives gifts for any transfers using the system. To receive them on the website you need to indicate the payment notice number.
In the Rapida transfer system
The Rapida fast transfer system has a wide network of payment acceptance points in:
- branches of Russian Post;
- at the cash registers of stores of the sales network "M. Video”, “Expert”, “Tehnosila”, “DOMO”, “Technique”, “Eldorado”;
- salons “Svyaznoy”, “Banzai”, “Megafon-Retail”, “Rostelecom”;
- terminal networks QuickPay, EuroPlat, RosExpress (commission 1%, but in the amount of 50 rubles);
- system Western Union(commission 3%, minimum 100 rubles).
To deposit money at the cash desk, you should contact the cashier with your passport, give the account number, full details of the branch, full name of the borrower, telephone number. On subsequent visits, it will be enough to provide the phone number or the number of the created template. Transfers from the “Rapida online” wallet are possible. It will take a few minutes to create. Transferring money within a few minutes.
Installment card "Conscience"
300,000 rub.
365 days
from 10%
from 18 to 70 years
Consideration:
Service:
0 rubles
UBRD credit card 120 days without interest
Credit limit:
300,000 rub.
Grace period:
120 days
from 31%
from 21 to 75 years
Consideration:
Service:
1,900 rubles
Credit card Halva from Sovcombank
Credit limit:
350,000 rub.
Grace period:
1095 days
from 0%
from 25 to 75 years
Consideration:
Service:
0 rubles
QIWI terminals
In QIWI payment terminals you can quickly repay credit debt in cash.
- When making your first payment, click “payment for services” in the nearest terminal.
- Click on “banking services”, “loan repayment”.
- Find Home Credit Bank.
- Provide all required information.
- Deposit money and receive a receipt.
After payment, the client will receive a receipt and SMS confirmation. If payment is made for the second, third time, etc., you need to click the “I already paid” button, carefully check the details, deposit money, and receive a receipt. You can find out where the nearest terminal is located on the Internet on the QIWI terminal map (qiwiterminal.ru). Commission 1.6% (minimum 100 rubles). The money is credited instantly, but in case of technical problems it may take two to three days.
Through mobile phone stores
In each of more than three thousand Svyaznoy salons, you can repay the debt at the cash desk using the account number or loan agreement. During the initial application, the client will be asked for a passport and a contract. It is advisable to have a Svyaznoy network card with you or apply for one in the store. The salon manager will enter the client’s data into the company’s database. Next time the cashier will not demand the contract. Transfer fee is 1% of the amount, but from 50 rubles.
Similar actions for transferring money can be performed in MTS, Megafon, Beeline stores. Money is usually credited on the next banking day after payment, but it is better to have a time reserve of 1–2 days. The size of the commission must be clarified with a salon employee. Payments to repay the loan will also be accepted at Rostelecom stores. You will need a passport and a contract.
To pay for a loan through Russian Post, you will need a passport, a 20-digit account number, and full details of the branch of the bank that issued the loan. An employee can use the Rapida system or issue a postal transfer. The Rapida system will quickly transfer money to the bank. They will be credited to your account no later than the next banking day. Commission 1.9% of the amount, but from 50 rubles. Payment by postal order will take at least 10 days.
On the Home Credit Bank website
To pay a loan online, you need to create a debit card and top it up with a sufficient amount of money. Then, in your personal account, carry out a money transfer operation between the card and the account. The operation is performed without commission. The money will be credited in 1–2 days. The procedure is as follows:
- Top up your debit card in advance.
- Select it in your personal account to write off funds.
- Indicate the account to which the money is transferred and the amount.
- Receive an SMS with a code, enter it.
After these steps, the money will be debited from the card and transferred to the credit account. All operations are safe, this is ensured by a multi-level security system (login and password, SMS confirmation).
From cards of other banks
Repaying a loan by transferring money from cards of other banks is convenient with the “paymo.market” service.
- Find Home Credit and its branch in the list of banks.
- Enter the payer's telephone number for communication, his account number, full name, date and contract number (optional).
- Enter the details of the card from which the money is debited and click “pay”.
The amount is no more than 15 thousand rubles. commission 2.5%, but from 50 rubles. For crediting funds according to the specified bank details It will take up to three days. The transfer of money can be made in the same way by a third party, knowing the details of the credited person and his account number.
If a person wants to take out a loan, he must be sure that he can repay it. Otherwise, a debt will arise that will need to be repaid to prevent negative consequences. You can pay off Home Loan different ways. You can transfer money online or use options that do not require Internet access. It is important to pay the required amount on time, and then financial difficulties will not arise.
Where can I pay for a loan at Home Credit?
Lending can help different situations when you urgently need money, but there is no way to get it in the near future. Naturally, if you take out a loan, you will need to repay it in accordance with the agreement. That is, you will need to pay a specific amount within a certain time frame, without missing the payment time.
Often people have a question about where they can pay for a Home Loan. There are quite a lot of options, so you will be able to choose the one that suits you. Let's look at the most popular methods you can use.
- Cash desk of HC Bank. A person can use cash to pay off debt. This is the simplest and most reliable option, but it requires personal presence.
- ATM. Good way for those people who do not want to stand in line and want to go through the procedure themselves. The advantage is that the procedure is easy and does not require Internet access.
- Application from Home Credit. If a person wants to transfer funds electronically, then this is a convenient method. You must first download the application and log in to it.
- Cash desk of another bank. If it is not possible to visit HC, then you can send funds through any other financial institution.
- Write-off from salary. The advantage of this method is that you do not have to pay the loan personally. The procedure will occur automatically, and deductions will be made from the salary received.
- Mail. Not the most popular method, but still it can be used. The person will be required to appear at the post office with Required documents and money.
These options are convenient for most people who need to pay in installments or a loan. The main thing is to go through the procedure correctly so that no difficulties arise. Therefore, it is worth considering step by step exactly how to make payment. Note that the methods are suitable not only for Russia, but also for Kazakhstan.
Home Credit: how to pay online
Nowadays, many procedures are carried out online, because this saves time. There is no need to go to a bank branch or look for a terminal to pay for a loan. It is enough to have electronic means, as well as access to a resource that allows you to replenish Home Credit via the Internet.
Important! From available ways You can choose the official website of HC. Through it you can deposit the required amount, the main thing is to have access to Personal Area.
You can also use Sberbank Online if a person is a client of this institution. This is also a good option that is safe. It is not recommended to use unverified services, because they may belong to scammers. Because of this, a person risks losing his money and also facing debt. It is better to use proven methods and also know the instructions for them.
How to pay for a Home Credit loan through your personal account
Procedure:
- You need to log in to the website; data can be obtained by contacting bank employees.
- In your personal account, you must select the loan for which you need to make a payment.
- Next, you should enter the repayment amount and specify the desired payment option.
- You will need to wait until an SMS with a confirmation code arrives on your phone.
- Now you should enter the numbers on the site and confirm your actions.
If everything was done correctly, then the funds will be debited from the card and will go to their destination. As already mentioned, no commission will be charged, so the procedure can be called profitable.
How to pay for Home Loan through Sberbank Online
Paying for Home Loan through Sberbank Online will be convenient for people who are clients of this financial institution. In general, the procedure is simple, especially if you use step by step instructions. You should first make sure that bank card there were enough funds.
Procedure:
Please understand that in this case a commission will be charged. It is 1% of the replenishment amount, which will be notified on the website.
How to pay for a Home Credit loan through a terminal
Terminals and ATMs are convenient to use to repay loans. In most cases, you have to deposit cash. But, if a person uses an ATM, then it will be possible to use by bank card provided there is enough money on it.
Procedure:
- You need to find a suitable terminal, for example, Qiwi or Elexnet.
- You will need to select the “Insurance companies and banks” option. Among the available ones, you need to activate “Home Credit Bank”.
- Now you need to specify the number credit account or cards.
- You will need to enter the required sum of money, keeping in mind the commission.
- All you have to do is confirm your actions and receive a check.
As for the commission, it ranges from 1 to 3% if you pay through the terminal. It is worth understanding that these machines do not give change, so the amount must be accurate. It is recommended to keep the receipt until you can verify that the funds have arrived. If for some reason they do not arrive, then you should seek help at hotline indicated on the terminal. As a rule, the amount can be returned, especially if it was lost due to a system error.
How to pay for Home Loan by phone
Some people find it convenient to use their mobile phone in order to repay credit debt. First, you should find out its balance, which can be done by contacting bank employees. Considering the fact that a person pays the amount partially, there will be a need to make a payment only for the current month.
To complete the procedure from your phone, you will need to select an available application. This could be a program from the bank that the person uses, for example, Sberbank Online. Or you can download the HKB app to pay without commission. In this situation, a passport is not required, since it is only needed when applying to the cash desk of a financial institution.
If a person uses Sberbank Online, then the procedure will not differ from that described above. The main thing is to find the section you need and then provide your payment details. After this, all that remains is to transfer electronic money, which should be on the card or account.
How to pay a loan through the Home Credit application
The Home Credit application will be convenient for those people who have a card from this financial institution. In general, the procedure is not difficult if you follow the instructions.
What to do:
- You need to enter a password to log into your personal account in the application.
- Next, you need to select the account from which funds will be debited.
- You need to indicate where exactly they will be enrolled.
- You will need to clarify the amount and confirm payment.
You should keep the receipt until the loan is fully repaid. With its help, a person will be able to confirm that he made payments on time. It doesn’t matter which method the borrower chooses, the main thing is to pay the money in the right amount on time.
Today, in this century high technology, paying a loan through the Home Credit application is a great opportunity to save valuable time. After all, you don’t need to go to the branch and stand in line at the cash register window, you don’t need to look for ATMs and terminals throughout the city. You just need to have a phone connected to the network with you. Let's talk about paying off a loan this way in more detail.
For the convenience of its clients, Home Credit Bank has also developed mobile bank, which can be used in the form of the “My Loan” application. This system is similar to applications such as Sberbank Online, for example.
Accordingly, here you can also deposit money for a loan remotely. However, you can transfer funds only from a card opened in this credit organization, and not in any other. So, let's start making the monthly payment:
- download and install the application;
- register in it;
- complete authorization (log in to your personal account);
- find the “Loans” section;
- if you have several loans, select the one you want to pay off;
- Next, indicate the card from which you will transfer funds, as well as their amount.
That's all. Completely standard procedure. In addition, in the application you can find out other information about your loan. For example, the loan balance.
How to pay through the bank's website?
There is also nothing complicated about making a loan payment through the Home Credit Bank website. There you don’t even have to register and log in to the system. All you have to do is open home page, and then go to the “Making a loan payment” section.
- Next, select whether you will top up credit card or credit account. Click on the appropriate item and start filling out the fields. In the case of a card, this will be its number and your date of birth. In the case of an invoice, the contract number and account number.
- Click the "Next" button and select how you want to repay the loan. Enter the details and all the necessary data, and click “Pay”.
Important! In principle the system is the same as in mobile application. However, the advantage is that you can transfer funds both from a PC and from a phone if there is a network, simply by going to the official website. This is convenient if you suddenly forget your password or login for your personal account in the application.
Other deposit methods
Home Credit Bank allows its clients to deposit money on a loan and more traditional ways, including through ATMs and terminals. The main difference between one and the other is that the terminal, as a rule, accepts cash, and the ATM issues it, but there are exceptions. Therefore, be careful.
So, if you see that the device is equipped with a bill acceptor, then you only need to remember your number loan agreement and have cash with you to pay. If the device you find is designed for non-cash transactions, you will need a Home Credit Bank card. Insert it into the device, enter the PIN code, select “Loan repayment” and enter all the necessary data and transfer the required amount. It all depends on the type of device, so it is better to have both money and a card with you in order to be sure to repay the loan.
In addition, payment for a Home Credit Bank loan is possible through Elexnet and Qiwi terminals. We'll talk about depositing money with their help later. In the case of Elexnet, you will need to find a terminal, go to the “Banks, Insurance companies", find the organization you need (in this case, HKB), enter the account number or card number, depending on what you are going to top up, and present the required amount in cash (the device will calculate the payment amount taking into account the commission).
Elexnet does not notify clients about their account balance. Therefore, you definitely need to find out this information in advance so as not to deposit a smaller amount and, accordingly, not receive extra penalty interest.
With the Qiwi terminal everything is approximately the same. You also need to go to the “Banks” section and select Home Credit Bank there.
- After that, enter the loan agreement number and phone number in the field.
- You will receive an SMS on your mobile phone with a code, which you will need to enter next along with the desired payment amount.
- Next, the system will automatically calculate your payment taking into account the commission. If you are satisfied with it, insert the banknotes into the receiver and wait for the check.
Both Qiwi and Elexnet have a high commission for such operations, but it varies from bank to bank and from terminal to terminal. This is somewhat challenging, so be aware! Through Qiwi and Elexnet, the money will be credited to your account within 3 days, so it is better to make the payment in advance. You can transfer no more than 15,000 rubles at a time!