Home Credit Bank – consumer credit: terms and conditions
Consumer loans are the optimal solution for financing individuals. The need for money often occurs and it is not always possible to obtain a loan from friends and relatives. Good Credit Bank offers consumer credit.
According to reviews, it is clear that there are optimal conditions for people to get money in debt. Just familiarize yourself with the requirements and features of the transaction.
Consumer loans can meet people’s everyday needs. They are issued within goods and in cash, as well as transferred to bank cards. Make them in many banks in the country.
About the bank
The Bank began to actively develop on the Russian market since 2004 when branches were opened in many regions of the country. Each branch has the possibility to issue loans and loans.
In the transition from the principles of the IFI’s work, the institution became part of the usual banking structure, expanding the scope of its activities. Since 2007, the licensed bank has begun to attract free funds from the public and create deposits. She began to develop car loans and mortgages.
In the crisis culminating in 2009, many banks’ programs were closed, but Good Credit was still lending to ordinary citizens. This has brought the institution huge success. After the crisis, this bank became one of the largest. Now its clients are legal entities and individuals.
Working with individuals
Good Credit specializes in lending to individuals. There are several directions, so customers can choose any desired program:
- Quickly receive resources. For example, you need money for everyday needs, but no personal resources. Then lending “quick money” will help eliminate this problem.
- Issue loans for education, treatment, agriculture, purchase of apartments. The debt will return in a few years.
The loan for current needs can be 2 types:
- Under the goods. There is an agreement that lists monthly payments. Such loans are issued in “Eldorado”.
- Cash secured by the property.
You must contact Good Credit to obtain a loan. “Consumer credit, the terms of which are acceptable to people, is issued very quickly. You can apply online or by telephone. The application must include:
It is necessary to tick the item with the consent of the client to the processing of personal information as well as obtaining information from CII. The decision to issue the loan is made by Good Credit Bank.
The Consumer Loan Calculator will help the client calculate the approximate amount of payments, but accurate data can only be provided after the application has been processed.
He has a bank calculator “Good Credit “. Consumer credit should be calculated after its calculation. It is important that the client learns about the terms, rates and monthly payments.
To obtain a loan, you must provide a passport. Men under the age of 27 will require military office documents or military ID cards. You may also need another document:
- In the car.
- Retirement certificate.
- Insurance contract.
The client must provide a solvency document to secure the loan. It can be:
- a copy of the statement of account showing the revenue and expenditure for the last 3 months;
- original TCP;
- passport confirming travel for the last year;
- medical policy;
- CASCO Insurance Contracts.
The bank offers
Offer several Good Credit Bank programs. A consumer loan may be issued for some of them:
- “Big money”. Issued up to 500 thousand rubles at 19.9%. The application is considered 5 days. Maturity – up to 60 months.
- “Pension”. It provides up to 150 thousand rubles at 19.9%. The contract is up to 48 months.
- Refinancing. There is a possibility to get up to 500 thousand rubles at 19.9%. The maximum period is 60 months.
There may be individual offers provided by regular Good Credit Bank clients. Consumer loans are provided in rubles. About their terms and conditions detailed in the contract.
They may vary depending on program requirements. But usually, customers need Russian citizenship, registration, a permanent source of income. Loans are issued to citizens aged 18-68 years.
We prefer customers with a positive credit history as well as those who repeat banks. Requirements may vary from program to program, so they need to be recognized on the website or at the bank office.
To get accurate transaction information you should pay for Good Credit Bank. Consumer credit, whose interest rate for each customer may vary, is usually issued at 19.9%. The rate will be individual for each debtor. To learn, you should contact “Good Credit “. The consumer loan, the interest of which is prescribed in the contract, is issued quickly.
How much is considered an application?
You can apply for a loan in a short time. To apply, there is no need to apply for a loan at Good Credit Bank. Consumer credit is issued online. This is considered up to 5 days, but usually in a short time. If the decision is positive, you can visit the bank to sign the contract.
Loans for goods
Consumers can apply for a home loan equipment if they turn to large stores. They are also provided on mobile devices, tours, furniture. The Bank’s cooperation with many organizations has helped it expand its range of products that can be secured for a loan.
The registration process takes about 0.5 hours. The client is offered a period of 3 to 60 months and the amount of credit can range from 1.5 to 850 thousand rubles. To obtain credit, the borrower must have a stable income and experience of 6 months.
You can return funds to Good Credit Bank in various ways. Consumer credit is usually paid by:
- cash registers;
- Russian Post;
- electronic systems
- work accounting;
- bank card.
Many ways allow you to contribute commissions or with minimal fees. You must contact Good Credit Bank to pay the loan before the scheduled date. The consumer loan will be closed after the application has been submitted.
You need to know the balance you should pay. This can be done both at the bank and by telephone. In the case of early repayment, the client will save interest because the amount will be recalculated without taking it into account.