Credit Doctor from Sovcombank

The entire credit history improvement program consists of 3 stages. Let us tell you more about them.

Stage 1

At this stage, the client needs to choose a suitable service package. There are three in total. In all three cases, the borrower purchases life, health, or property insurance for a period of 1 year using their own funds.

The service packages are as follows:

1. Option 1. Life and health insurance for the whole family for an amount up to 1,500,000 RUB. Stage duration — 3 months. Cost — 4,999 RUB.
2. Option 2. Property insurance for an amount up to 1,300,000 RUB. Stage duration — 6 months. Cost — 9,999 RUB.
3. Option 3. Property insurance for up to 1,300,000 RUB and comprehensive IT protection. Stage duration: 6 months. Cost: 14,999 RUB.

During this period, late payments on loans issued by any other banks are not allowed. Upon successfully passing this stage, the client moves to the next level.

Stage 2

At the second stage, Sovcombank issues the borrower a loan on the Halva installment card to pay for purchases at any stores. Cash withdrawals and transfers from the card are not available.

The available credit limit depends on the selected service package:

1. Option 1. Loan up to 10,000 RUB for a term of 6 months.
2. Option 2. Loan up to 20,000 RUB for a term of 6 months.
3. Option 3. Loan up to 30,000 RUB for a term of 6 months.

Upon successfully passing this stage, the client moves to the third level.

Stage 3

At the third stage, the borrower receives a full-fledged consumer loan, the funds from which can be spent on any purpose. It is important to make all payments strictly according to the schedule — without delays and early repayments.

At the third stage, the available options are as follows:

1. Option 1. Loan up to 40,000 RUB for a term of 6 to 18 months.
2. Option 2. Loan up to 60,000 RUB for a term of 6 to 18 months.
3. Option 3. Loan up to 80,000 RUB for a term of 6 to 18 months.

After making all scheduled payments at this stage, the client can get approval for any loan amount at Sovcombank. If the credit history is still poor, the bank may recommend going through this program again.

For the borrower to improve their credit history using the "Credit Doctor" program, Sovcombank advises the following:

1. For all loans issued after connecting the Service Package, make payments strictly according to the schedule — without delays and early repayments.
2. Avoid payment delays on any credit products in other banks.
3. Do not submit loan applications to other banks.
4. Avoid debts according to the Federal Bailiff Service database.

We also draw your attention to the fact that any payment delay or early repayment may lead to disqualification from the "Credit Doctor" program. In this case, it will not be possible to use it again — the bank will automatically reject applications from a person who did not comply with the terms.

The "Credit Doctor" program is not a regular consumer loan. And early repayment at any stage can lead to disqualification from the credit history improvement program.

If a program participant allows a payment delay at any of the stages, the credit organization charges a penalty of 0.05% per day on the overdue debt amount. In addition, the financial institution transfers information about the delay to the Credit History Bureau, which makes the credit history even worse.

At the same time, in the case of early payments and disqualification from the program, information about successfully made payments does not get into the credit history in any way.

In general, Sovcombank does not impose strict requirements on borrowers who want to use the "Credit Doctor" program. To improve your credit history, you need to meet the following criteria:

• have Russian citizenship;
• have permanent registration in the Russian Federation;
• be over 18 years old;
• have a steady source of income.

The only document required to apply for participation in the program is a passport of a citizen of the Russian Federation. The bank does not request certificates confirming income and place of work, but the client must have a salary, pension, or social benefits that will allow them to make timely payments at each stage.

Receiving money at each stage occurs by crediting it to the Halva installment card, with the exception of the first stage, when the client pays for the financial protection of the whole family or property at their own expense.

Payment deductions at each stage are made from the Halva installment card. You can top it up in any convenient way:

• by transfer between your own accounts opened at Sovcombank;
• by transfer from cards of other banks;
• in cash through Sovcombank ATMs;
• in cash through ATMs of other banks;
• in cash through Sovcombank cash desks.

Short name: PJSC "Sovcombank"

Tax ID (INN): 4401116480

BIC: 043469743

KPP: 440101001

Correspondent account: 30101810300000000743

OGRN: 1144400000425