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Home Bank "Svoboda" installment card
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About the card
Review of the "Svoboda" installment card from Home Credit Bank
Russia's largest commercial bank, Home Credit, offers to apply for the Home Credit Bank "Svoboda" installment card, where you can always get great deals for shopping at partner stores. The bank is a leader in innovation, and today you can use the "Divide everything by 3" program, which features the highest interest-free period of 3 months. For 90 days, the installment card from Home Credit Bank offers profitable purchases within the network of partner stores included in the program, where you will be charged an interest rate of 0% for using the credit limit. At the same time, if you make a purchase at the bank's partners using the Home Credit Bank installment card, the grace period is guaranteed to be extended by 36 months.
A huge disadvantage of the card is cash withdrawal. The available credit limit ranges from 10,000 RUB to 300,000 RUB. An important condition for the Home Credit Bank "Svoboda" installment card is timely payment to replenish the account, otherwise there is a risk that the bank will impose penalty sanctions. Currently, penalties amount to a one-time fee of 590 RUB plus an additional 17.9% on the entire debt amount. The interest rate is calculated on an annualized 12-month basis. To prevent possible overdue payments, we recommend connecting SMS notifications; this way you will have all the information about upcoming payments, other replenishments, and expenses.
Terms of the Home Credit Bank "Svoboda" installment card
All stores participating in the Home Credit Bank "Svoboda" installment card program offer favorable terms for purchasing your favorite goods for a period of 12 months. Importantly, the promotion operates according to a specific algorithm:
- All partner stores of the bank participate in this promotion until September 30, 2019.
- The maximum installment period is 12 months.
- All partner stores without exception participate in the promotion, with the exception of the Eldorado retail chain.
- You can specify your current city on the bank's website to check which stores participate in the promotion for the "Svoboda" card from Home Credit Bank.
"Divide by 3" promotion
The promotion provides for purchases in any stores, while the installment period is exactly 3 months. Only holders of the "Svoboda" card participate in the promotion, and you can activate the service by calling the hotline at 8 495 785-82-22.
During the first two months, the promotion is completely free; starting from the 3rd month onwards, it costs 499 RUB per month. The service fee is not charged if there were absolutely no purchases made at partner stores in the current month.
"Svoboda+" program
This is an additional service package that differs from the main one. Activation and rules for using the services are paid. The total cost of the service is 0.99% of the existing debt at the end of the period, and is at least 99 RUB, but not more than 499 RUB.
The service allows you to receive the following:
- Free skip of one payment. You can skip a payment at any time without incurring penalties.
- Program 6 Plus. Extend the installment period for one of your purchases by 6 months. The maximum cost of the service is 6% of the purchase amount.
- Program 10 Plus. Similar terms to the previous program, except the term is extended by 10 months, and the cost is 10% of the purchase amount.
- Waiver of full debt recovery claims. After activating this service, you must subsequently provide information regarding the death of the cardholder, a natural disaster, disability, or hospitalization for 6 months or more.
- All options can be combined only if the cardholder has not missed a single payment for 6 months.
Information and a list of partner stores operating under the 0% interest rate lending program are available on the official website of the Home Credit Bank "Sovest" installment card.
Terms
Considering that Home Credit Bank does not impose requirements regarding the borrower's geographical location, the recipient of the services is understood to be a citizen of Russia living in any region of the country and fully legally competent. According to official data and reviews of the Home Credit Bank "Svoboda" installment card, the main requirements for the borrower from the credit institution are:
- The borrower must be a citizen of the Russian Federation.
- The recipient's age is 18 to 65 years.
- Must have an active mobile phone number.
- Registration at the primary place of employment for at least 4 months is required.
- Income verification.
- Mandatory requirement: permanent registration only in one of the regions of Russia.
- Age: 18-65 years.
- Citizenship: Russian Federation.
- Registration: permanent within the territory of the Russian Federation.
- Mobile phone: required.
- Employment: mandatory.
- Identity document: Russian citizen passport.
- 2-NDFL certificate from the employer confirming income.
Our loan and bank card matching service offers you to apply for the Sovest installment card from Home Credit Bank on favorable terms.
- Review the offer and go to the bank's website by clicking the "Apply for Card" button.
- Fill out the required application details on the HCB website to get your application approved.
- Provide a phone number for communication and for receiving approval.
- Select a convenient card delivery option (mail, courier, bank branch).
- Receive the card and activate it correctly according to the attached instructions.
Account status can be checked via internet banking, and you can also chat with bank operators on the official Home Credit Bank website or in social media groups.
The initial credit amount will only be known after the application is approved. The credit limit can only be increased at the bank's initiative. Every 6 months, an operator will contact you, and if you meet all the terms of the installment card, you will be offered an increase in your credit line. The maximum available credit amount is 300,000 RUB.
You can recover and change your password only on the company's website or in internet banking. Card reissuance at your initiative will cost 200 RUB, while reissuance upon card expiration is free of charge.
Bank clients have favorite categories for installments for a term of 10 months or another period, which include clothing and footwear, electronics, furniture, travel, jewelry and valuables, sporting goods, etc. See the full list of stores and HCB partners for the Sovest installment card. Select your city and check the terms of use of the HCB installment card for your region of residence or stay.
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Answers to questions
How long does it take to review an application?
You will receive a response within 2 minutes. If no response is received within 60 minutes, you can call 8 800 700-76-55 to clarify the details of your application.
How will I find out the decision on my application?
If you did not receive a message or a callback, please call the toll-free hotline to clarify your question. Phone: 8 800 700-76-55.
How will I receive the banking product?
If possible, courier delivery will be arranged for you.
Otherwise, you will be asked to visit an office to pick up the banking document.
How do I correctly activate the card?
At the bank's office.
At an HCB ATM.
By phone at 8 (495) 785-82-22.
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