Home Credit Bank

The history of Home Bank dates back to 2007. Prior to that, it operated under the name Technopolis Innovation Bank. In 2002, this organization was acquired by a Czech company, after which the bank was renamed Home Credit. In the same year, the first separate branch on the territory of the Russian Federation was opened, as well as the first retail point of sale.

The year 2003 was marked by the conclusion of a partnership agreement between Home Credit Bank and the Eldorado retail chain. This became the starting point for the active expansion of the credit institution across the country. In less than a year, Home Credit retail outlets were opened in all regions of the state except the Far East, where clients were given the opportunity to purchase home appliances with installment plans directly in Eldorado stores. Thanks to this approach, the bank was able to quickly grow its client base.

Home Credit Bank's credit card was issued for the first time in Russia in 2004. And in early 2005, the bank's first office with a cash desk was launched and the first consumer cash loan was issued.

The years 2006 and 2007 were particularly significant for the bank. During this time, the credit institution created one of the most effective systems to combat credit fraud and launched its own areas for mortgage and auto lending, deposits, and debit card issuance.

The bank continued to develop despite the 2008 crisis. At this time, Home Credit abandoned auto lending and mortgages, but took first place in point-of-sale lending, launched its own salary projects and online resources. From 2010 to 2011, the bank developed its branch network and opened points of sale in all regions of the Russian Federation.

In 2013, bank clients gained the opportunity to apply for loans via online banking without visiting a bank office. In 2015, the "Polza" installment card was recognized as the best on the market among similar products, and in 2017 the bank rebranded and launched programs targeted at a younger audience.

Home Credit also ranks 10th-12th among the most profitable banks and is recognized as the most loyal credit institution in the country. In 2018, the bank became the first in Russia to offer a program for issuing loans to plastic cards of any Russian bank.

Today, the Chairman of the Management Board is Yury Andresov, and the Chairman of the Board of Directors is Jiří Šmejc.

Despite the fact that Home Bank provides a wide range of banking services to individual entrepreneurs, small and medium-sized businesses, its main focus is on individuals.

Bank cards

Today, clients of Home Bank have access to only one credit card — "120 days without %". Among debit cards, you can apply for:

• "Polza";
• "General Account".

Lending

Home Bank borrowers have access to a large lineup of credit products. Thus, they can obtain:

• consumer cash loan;
• loan refinancing;
• cash loan secured by a car;
• cash loan for renovation;
• cash loan for car purchase;
• cash loan for retirees.

Deposits and savings accounts

As for deposits and savings accounts, the following deposits are available at Rosbank:

• "New Year";
• "Dokhordny" (Profitable);
• "Online Profitable";
• "Profitable Rentier".

Among accounts, regular savings and investment accounts are popular.

Bank advantages:

1. Reliability. Home Bank is a reliable bank with a good reputation and stable performance.
2. Wide range of services. The bank offers a wide range of services, including loans, deposits, debit and credit cards, mortgages, and more.
3. Convenient online banking. Home Bank has user-friendly online banking and a mobile application that allow clients to manage their accounts and perform various operations online.
4. Favorable lending terms. The bank offers loans with attractive terms such as low interest rates, convenient repayment schedules, and the option of early repayment without penalties.
5. High level of service. Home Bank has a large network of branches and ATMs, providing convenient and high-quality customer service.