Home Credit Bank

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2016-06-02 00:00:00:

How the Home Credit Bank was created

The history of Home Credit Bank began more than a quarter of a century ago - in 1990. In those days, it was called " Technopolis Investment Bank ". Then the company entered the financial group Home credit . And already in 2002, Home Credit Bank provided loans to its first clients. In the same year, the company begins work to expand its area of influence and opens a representative office in the city of Nizhny Novgorod. Retail outlets are also starting to function: their number is rapidly increasing.

Conquest of new territories

The financial structure of Home Credit is developing, as they say, by leaps and bounds. A year later, the management of the enterprise managed to draw up partnership agreements with the largest retail chains of that time (Mir, Technosila , M-Video, Eldorado). The bank is conquering new territories. The company offers its customers a variety of services related to lending, thus intensively attracting new users and expanding the customer base.

A year later (2004) the bank delighted consumers with its own credit cards. The geographical expansion of Home Credit is expanding: almost every day a new outlet of the company appears in some of the cities of the country. The “ Homecredit wave” did not reach only the Far East. In 2005, the company offered its customers a new type of lending - cash loans. This service was provided by credit and cash offices.

" Home Credit": a bank that keeps up with the times

Home Credit Financial Group is intensively introducing innovative technologies into the work of the bank. Particular attention is paid to security issues. Employees of the company have developed a radically new technology to counter financial swindlers and fraudsters. An ideally adjusted risk management system made it possible to analyze the likelihood of adverse situations and minimize the possibility of losses and damages.

The bank offered several new types of services to users:

mortgage lending;
loans for the purchase of vehicles;
online banking and more.

All these services are in great demand among the population. In addition, " Home Credit" also offered quite favorable lending conditions. As a result, queues lined up in almost all branches of the bank: people were in a hurry to take out a loan. And the company, of course, grew revenues. And Home Credit becomes a leader in lending.

The administration of the enterprise decided to change the model of " Home Credit": the bank turns from a monoliner into a universal financial structure. Now people can open deposit accounts and earn interest. Home Credit Bank becomes an issuer of plastic payment cards, which can be used to pay in stores, withdraw cash from ATMs, and conduct financial transactions through terminals.

How Home Credit survives the crisis

2008 was a turning point for the world economy: almost all countries were gripped by the financial crisis, which left its mark on the activities of Home Credit. But the enterprise adequately coped with the difficulties thanks to the strategy of optimizing the work of the bank. However, certain types of services had to be abandoned, such as mortgage lending and loans for the purchase of vehicles. But citizens could get a loan with “live” money.

The campaign still has difficulties now (in other respects, as in other financial institutions). But the company's specialists are doing everything possible not to lose face, working to improve the quality of services provided, improve cross-selling technology, and improve the condition of assets. Thanks to well-structured work, Home Credit has not lost its leadership in the field of retail banking.

The main directions in the activity of " Home Credit Bank"

POS-lending (providing loans to the population through retail outlets) can be called as the main activity of the company. In 2012, the company registered about 640 offices and 70,000 retail outlets in Russia.

At this time, the bank's income amounted to about 19 billion Russian rubles (if compared with the previous year, the profit was increased by 80%). The loan portfolio has also grown a little: it has grown by almost 100%: its volume amounted to 223.5 billion Russian rubles. This also led to the growth of cash loans: their level was raised by 174%.

2013 was a significant year for Home Credit Bank: the company won more than 16% of the financial market and took a leading position in the field of lending.

Types of loans provided by Home Credit Bank

In the financial organization Home Credit, citizens can take out cash loans or apply for a credit card. The company offers its customers a wide range of products. Here you can get loans for:

purchase of various goods: furniture, equipment and household appliances, computer equipment and more;
tourist trip;
payment for medical care.

The organization also provides loans in large amounts, which will be used to purchase a vehicle. If you want to buy an apartment, house or land, you can apply for a mortgage loan.

To apply for loans and mortgages, citizens should prepare a folder with certain documents. It should contain:

personal passport;
any certificate that confirms the identity of a citizen;
work book (photocopy);
salary certificate;
men must also provide a military ID.

The loan period is not fixed. It all depends on the type of loan and its size.

The client can change his mind and refuse the proposed loan. The decision to cancel the loan is considered within 2 days, and the interest will be calculated only for the period of time in which the citizen actually used the loan.

Plastic cards for loans

The variety of credit cards offered by Home Credit Bank is small: there are only two of them. But, despite the somewhat meager assortment, the company's plastic credit cards are very popular among Russian citizens.

The "Quick Purchases" card provides loans for the purchase of goods and payment for services. Its peculiarity lies in the simplicity of design: in order to open this card, you need to spend only 30 minutes. The client does not have to mess around with documents. However, this type of lending provides for high rates: the interest rate is 40% per year.
To open a CASHBACK card, you need to collect a lot of documents, but the loan rate will be minimal. Moreover, by paying for the purchase with this card, the holder receives a certain part of the amount spent on his account.

How to apply for a loan

You can apply for a loan at the office. If the client does not have time to come to the bank branch, then he can apply online. This method is the most convenient and profitable. Here are some of its benefits.

No need to crowd in line, and then fill out a large number of protocols, acts and applications. To apply, you need to enter the official website of Home Credit Bank, find the “loan application” button and press it. At the next stage, you should fill in all the columns of the application and send it for consideration. The consultant will inform you about the decision of the commission by telephone.
When filling out an application at the office, the client provides a full set of documents. Online mode does not require any additional information.
The procedure for applying for a loan through the official website is simple and does not require special skills and abilities: general knowledge of the PC is quite enough. You can also apply through mobile applications using a laptop computer or a modern mobile phone.
The convenience of an online application also lies in the fact that the client can calculate the interest and amounts that he will have to pay: there is a loan calculator on the site.

After the user fills in all the columns of the application, he presses the "send" button. Further, the credit commission enters into work, which decides to issue a loan to this citizen or not and for what amount. Employees of Home Credit Bank inform about the commission's decision . Only after clarifying all the details, the client needs to come to the office and pick up money or a credit card.

Requirements that the Home Credit company puts forward to its borrowers

When issuing loans, Home Credit Bank does not require a guarantor or collateral from its borrowers. However, there are still certain requirements, because the bank's desire to protect itself from swindlers and scammers is quite natural. To prove the reliability of the borrower, the following conditions must be met.

The loan will be issued only to a citizen of the Russian Federation.
A loan can be issued by a person not younger than 23 and not older than 64 years of age.
A prerequisite is the registration of the client in the locality where the application for a loan is submitted.
A limit has been set for the loan amount - from 50 to 500 thousand Russian rubles.

Conditions for deposits in the financial group " Home Credit"

The company specializes in providing loans and credits to citizens. But management is working hard to expand the capabilities of the enterprise, attracting new customers. Many people bring their savings to the bank in order to put them in deposit accounts and receive income from interest.

In " Home Credit" money can be kept both in domestic currency and in foreign. Ruble deposits are protected from devaluation by automatic insurance.

The interest rate depends on the amount deposited and the tariff plan. The company offers its clients several deposit programs.

" Home Credit" on the World Wide Web. Cryptocurrency

The company also took care of those clients who make financial transactions via the Internet. Home Credit employees have created their own server through which users can pay for purchases, make payments for various services, transfer finances to online wallets, exchange cryptocurrency (for example, Bitcoin ) for real money, and then withdraw funds to bank accounts. At the same time, a minimum commission fee is charged - only 1%, and in some cases the commission is not charged at all.

Home Credit cooperates with popular electronic payment systems. In order to deposit / withdraw funds through the services of the "Mobile" or "Internet" bank, you need to register, and then enter your personal account, select the EPS and dial your account number. Money will be credited within one second. Through the same services, you can pay for telephony, utilities, and the Internet.

Rospotrebnadzor in the life of Home Credit Bank

The activities of the financial group have always been closely monitored by Rospotrebnadzor . This service has repeatedly presented a note of discontent to the bank, but it has never been possible to “catch it red-handed”.

And the point is not in the cunning and dexterity of financiers, but in their conscientiousness and honesty. Home Credit has never been involved in suspicious transactions and has never violated the law . Even if the inspectors managed to find some minor violations in the activities of the financial organization, the company immediately corrected them.

In 2006, Rospotrebnadzor filed an application with the court that the bank charges a commission fee from its customers for issuing credit accounts under a consumer loan agreement. The court found the complaint meritorious. From this moment on, no commission is charged for opening a loan account.

One of the members of the deputy corps of the State Duma of Russia said that Home Credit Bank was carrying out fraudulent operations and insisted on checking. The Federal Security Service and the Prosecutor General's Office got involved in the case. These services conducted a thorough analysis of the activities of the financial group, but no gross violations were identified. On the contrary, this check became proof that Home Credit Bank operates honestly and conscientiously.