What kind of contribution is "Home Credit" the most profitable, what is interesting about this bank, and what is worth knowing about its loans?
About such financial organization as "HomeCredit ", for sure, every citizen of our country has heard. And it's not surprising. As it is one of the best and largest Russian banks engaged in consumer lending. However, the list of services it provides is quite wide. Many today are sent to the bank to make a contribution. "Home Credit" is well known. And that's why this organization gives its customers such an opportunity.
This is the first tariff that I would like to noteattention. How does this contribution differ? "Home Credit" offers the following conditions: 8% annual rate, unlimited amount of contribution (with a minimum of 1,000 rubles), the possibility of replenishing the account - all this for 9 months. Interest is paid at the end of the deadline.
If at this rate a person will invest 1 000 000rubles, then as a profit after 9 months, he will receive 60 000. And this if not replenish, and in fact such an opportunity is available, but only within the first 30 days after the opening of the deposit. It is important to remember this.
This is another rather profitable contribution "HomeCredit". As you can understand, based on the name, open it for 12 months. The yield taking into account the capitalization of interest reaches 9.13% (this figure is calculated in accordance with the Instruction of the Bank of Russia No. 3194-U dated February 27, 1944). And so the interest rate is 8.75%.
The minimum amount of investment, again,is 1,000 rubles, the maximum is not limited. The replenishment function is available, but with the same conditions as in the case of the "Rapid revenue" tariff. But interest can be charged monthly.
If you count, it turns out that investing a million, after the expiration of the period can get 87 500 rubles as a profit. And this is at a standard rate, without taking into account the capitalization of interest.
For a long time
There is such a contribution as "Home Credit", whichis called "Maximum Income". He enjoys great popularity among customers. True, there is one small nuance - you can open it only in the Internet bank. But in our time this is not a problem.
The yield on capitalization reaches 9.34%. The standard rate is 8.75%. And the term for opening the deposit is 18 months. It turns out that investing a million, at the end of the period a person will receive an amount of 131 250 rubles as interest income. And this is without taking into account the capitalization. So goes even more. That's why Home Credit Bank is so popular. The personal cabinet, by the way, provides access to important information that everyone should know if they want to open this deposit. And in general, Internet banking is a useful and convenient service.
By the way, there is also the contribution "Capital". It opens for 36 months, at an 8-percent rate. There is no capitalization, all interest is at the end of the term. But they are rather big - 240 000 rubles profit, if you invest a million.
In this category, we can safely refer the contribution"Pension". It opens for 18 months, the base rate is 1,000 rubles. Interest payments are monthly, and with capitalization, by the way, the rate increases to 9.34%. You can open this deposit by presenting a pension certificate.
Another proposal is called "Cabinet." It is ideal for people who want to invest a large amount. Otherwise, it will not work, since the minimum must be 3,000,000 rubles. The deposit term is 12 months, and the standard rate is 8.9%.
To open any of the deposits, you need a document,being an identity card. The simplest requirements are made by Home Credit Bank to its clients. However, every client of this organization can create a personal cabinet, and already with the help of it you can learn all the details of interest, whatever they touch.
Geography of distribution
Well, since no more depositsthe organization does not offer its clients, it is worth to tell a little about the bank "Home Credit". St. Petersburg, Moscow, Elektrostal, Klin, Podolsk, Solnechnogorsk - this is not the whole list of those cities in which you can find a branch or an operational office of this organization.
It is worth mentioning the addresses of the central Moscowoffices. One is on the street. Valovaya, 21, p. 125. There is also one branch on the street. Sergiy Radonezhsky, etc. 6. You can also find offices on the street. Avtozavodskaya, 4, on the street. Pravda, 8, building 1 and on the street. Krasnoselskaya Upper., D. 38/19, page 1
And this prevalence is quite understandable. After all, the bank has long been working in the retail banking market. In 2012, for example, he had 6,356 offices of very different formats and about 69,000 sales outlets. What to say about such devices as ATM "Home Credit", which can be found everywhere. Since the main activity of the organization is the issuance of loans, it is worth noting that on October 1, 2013 the bank held about 26.4% of the credit market at points of sale in Russia. And this is the first place!
Loans are issued here on the same simple andtransparent conditions on which contributions are made. In each branch of Home Credit Bank, whose addresses are freely available, the potential borrower will be told that for people who are already customers of this organization, there are more favorable offers.
So, for example, the amount of cash that is paid to themissue, is from 10 000 to 850 000 rubles. For those people who only applied to the bank, the range will be less - from 30 000 to 500 000. Applications are considered equally quickly - as a maximum of two hours. But only for clients, loans can be issued for a maximum of 84 months, and for the first time they apply - for 60. But the most important is, of course, the interest rate. For customers of the organization, it is 17.9%, and for all others - 19.9% per annum.
It is very profitable to consider the bank "Home Credit". Addresses nearest to the place of residence are worth remembering and applying if you need to use the services of profitable lending or make a contribution on good and flexible terms.