Temporary financial difficulties should not interfere with the fruitful cooperation of banking organizations and individuals. When serious financial problems arise, many borrowers begin to hide from creditors, do not pay debts and interest, spoil their credit history, and ignore the appeals of bank managers. But there is a way out of this situation. If you do not hush up your difficult financial situation, you can count on the provision of loan restructuring, one of the forms of which are "holidays", that is, a temporary deferral of debt repayment. During this period, the client of the bank must improve his financial situation and continue payments. Depending on the individual conditions There are various loan repayment options available.
If you are a client of Home Credit Bank, you can count on a loyal attitude from the institution. Back in August 2014, the management of this company formed a special program called "Credit Rehabilitation". It was developed specifically for clients who are recipients of loans, but now, for serious reasons, they cannot temporarily pay the next amount of debt with interest. A serious violation is the lack of payment for a certain period of time - you can spoil and finally lose a trusting relationship with banking organization. Therefore, Home Credit invites citizens to contact one of the branches in a timely manner and explain their life situation, tell representatives about problems credit committee.
To restructure debt at Home Credit Bank, you will need to provide evidence that:
Recipient Money can use the bank service:
They are one of the forms of restructuring provided by Home Credit Bank. There are also other options for borrowers. This is a replacement for a currency, for the accrual of penalties for delays within a certain period of time, a decrease in the amount of the monthly installment due to an extension general term financing.
Clients of this organization can count on the following vacation options:
Main advantage credit holidays in Home Credit Bank - this is the opportunity for the borrower to choose the date of resuming the deposit of funds. Moreover, the service is completely free, while many financial institutions charge a certain percentage of contributions.
According to the rules of this company, a deferment can be granted for periods of one to six months. But in each individual case, a decision is made. Much depends on the severity of the financial situation in which the citizen finds himself. They are more loyal to borrowers who have repeatedly taken loans from this bank and closed them without any delays.
Many citizens are interested in how to arrange credit holidays in Home Credit? To do this, you will need to prove that your financial situation is so difficult.
Those who wish can apply on the official Internet portal of the institution or contact the bank manager by phone. But there is another option, which includes several stages:
If you decide to visit the bank office and write an application there, the document must include:
Be sure to attach certificates to the application confirming the occurrence of serious problems with money. Wait for the decision of the bank.
Credit rehabilitation from Home Credit Bank is a special service that will allow existing borrowers to restructure the resulting debt due to an extended term, credit holidays or another option. To receive a positive decision on credit rehabilitation, the client must fill out a questionnaire. It must indicate the full name, date of birth, contact details, the reasons for the occurrence of a complex financial situation, possible options problem solving, your plan of action.
In the wake of the 2014 crisis and the increased percentage of delinquencies on current loans, Home Credit Bank decided to offer its customers a high-quality new service- credit rehabilitation. It will allow you to maintain a good credit history of the borrower and a positive relationship with the bank without delays.
The essence of credit rehabilitation from Home Credit is simple. The bank provides the client with the restructuring of the current debt due to the extended loan term and reduced monthly payment, reduced interest rate, providing "credit holidays", etc. Depending on the current situation, the bank will independently select the most convenient option for the borrower, based on the data provided to them.
Let us consider in detail each option of a possible offer of the bank. Credit holidays is a deferment of monthly payments for 2-4 months without fines, sanctions or damaged credit history. The client is simply given a temporary “breather” from monthly payments. This is a real lifeline for borrowers who are temporarily unemployed and are looking for a suitable place. They just lack 2-3 months to “get back on their feet” and continue loan payments without delay.
Extending the loan term and, accordingly, reducing the amount of monthly payments. To make it easier for the client to pay, the bank may reduce the amount of the monthly installment by extending the loan term. In this case, an additional agreement is concluded on the same terms, only with an extended period of 1-2 years. Due to this, it is possible to achieve a significant reduction in the amount of the monthly payment by 1.5-2 times from the original amount. This credit rehabilitation option is suitable for highly leveraged clients who have many other debts and loans.
Reduction in interest rates and, as a result, a decrease in the amount of monthly payments. If the borrower regularly paid the loan, but unforeseen financial difficulties arose in his life, the bank can meet halfway and offer a significant reduction in the interest rate. Usually this decrease is 10-15% of points, or even more. Due to this, the monthly installment on the loan is reduced and it is easier for the client to pay it, but the other conditions of the loan remain the same.
Credit rehabilitation Home Credit may include a set of measures aimed at reducing the risk of default. For example, a client may immediately be offered a slight reduction in the interest rate, an increase in the term of the loan and the provision of credit holidays for 1-2 months. The complex method is the most effective and suitable for most borrowers. The bank will choose the final version of debt restructuring on its own, based on the background of the borrower, which he must describe in detail in the application for rehabilitation.
Only existing clients who have an outstanding loan or credit card. This is not an ordinary refinancing, so customers of other banks will not be able to get it.
You can apply for restructuring:
If the current delay is small or not, a separate agreement is concluded between the bank and the client to the current loan agreement. According to it, the client can receive a reduction in payment due to an increase in the loan term.
If the client has a large delay (over 90-120 days), then the bank gives him a 6-month period, during which he undertakes not to apply recovery measures and not to charge penalties. In return for this, the bank requires timely payment by the client of any amounts available to him.
For example, a borrower has a large delay of 6 months. Every month, he needs to pay 4,000 rubles on a loan by the 20th day of each current month. By concluding an additional agreement, the client can pay any amount, even 500 rubles, as a monthly installment until the 20th day of each month, and the bank promises not to charge late fees, not sell debt to collectors and not collect overdue payments.
After 6 months, the client must return to the payment schedule and pay all the same 4,000 thousand rubles. every month, and the underpaid money during those 6 months will need to be returned at the end of the loan term.
To receive rehabilitation, the client must fill out an application via the Internet, at a bank branch or by phone hotline. Which of these options to choose is up to the borrower, but one of the fastest and most convenient is to remotely fill out the questionnaire via the Internet. Consider how you can fill out an application for credit rehabilitation yourself.
On the bank's page at: homecredit.ru/dolg, the client needs to fill out an application for rehabilitation. First, the borrower needs to introduce himself, indicating his full name, date of birth and contact email address.
Further, the bank offers to describe in detail the current situation and the reason that led to financial difficulties in the family. Here, the borrower needs to essentially talk about the reasons for the lack of money (loss of work, illness, dismissal, decision to change jobs, long sick leave, birth of a child, maternity leave, new loan and high credit load, which does not allow paying all current loans, etc.) There is no need to lie and invent. It is better for the client to describe the real situation, current opportunities, all income and expenses.
Be sure to write that you will pay the loan and do not refuse it, but you just need a little time to “get in line”. It is important to convince the bank that there will be positive changes, for example, that you are waiting for your resume to be considered and that you have a high chance of getting this job, etc.
Further, the bank offers the borrower to form their own debt repayment schedule indicating specific dates and amounts. Also, the client will need to name the nearest planned payment date and a convenient amount.
After that, you can click the "Submit" button. The application for granting credit rehabilitation is considered by the bank in individually within 1-2 business days. If questions arise, the client can be called from the department of work with overdue debts, discuss an acceptable option, etc. The bank will send the final decision to email.
Credit rehabilitation is not provided to clients whose case was sent to court, or is with collectors and there are some agreements with them. Malicious non-payers who avoid any communication with the bank / collectors (do not answer the phone, blacklist numbers, etc.) the bank is unlikely to agree to provide restructuring.
The procedure for obtaining credit rehabilitation is simple and consists of several steps. First, the client needs to fill out an application via the Internet and wait for a positive decision from the bank.
If the credit institution approves the application and agrees with the borrower's repayment schedule, or offers its own option, the client will need to come to the selected Home Credit branch in his city to conclude an additional agreement.
At the office of the borrower, they will familiarize themselves with the new conditions, present a new repayment schedule and related documents. They will need to be signed and the debt paid in strict accordance with the papers.
Benefits of the rehabilitation program include:
To negative aspects restructuring can include:
Opinions of ordinary borrowers credit institution divided. Some argue that this is a very important and desired program, which delivered them from the oppression of the collectors, court proceedings and other troubles, allowed to return to the debt repayment schedule and maintain a credit reputation.
Clients note that the bank follows the stated condition of the restructuring and does not pester with calls, does not charge fines and does not transfer the debt to collectors for collection. At least as long as the client fulfills the terms of the additional agreement properly.
Others say that Home Credit Bank often “cheats” when granting the declared restructuring, asking for interest, then another payment according to the schedule, then something else, and only after that it will be ready to approve the restructuring. Many clients say that the consideration of the application takes a very long time, and if you do not pick up the phone when calling in a timely manner, then such an application is immediately denied.
It all started optimistically with a proposal to issue an approved loan. As a result of a conversation with bank employees, she turned to the branch to sign documents for a loan. I will clarify that I applied on June 23, 2017. Instead of the amount that we discussed, I found out that I would receive less in my hands and that total amount more credit, because be sure to take out insurance. The specialist asked why I sign two documents for insurance? To which he answered me, and that one program is family protection (and according to the employee, “financial protection”), and the second is “asset plus”. The manager of the office said that you can't refuse the insurance program.
On June 26, I wrote an application for exclusion from the list of insured persons at the department, but they did not give my copies of the applications. The next day, I again turned to the department for copies of the documents, but they were already sent to the insurance company, according to the employee. I insisted on re-application, because. it was important for me to have documents confirming my actions to guarantee the return of the amount of insurance. The bank employee said that their printer did not work and it was pointless to write a statement. I left a claim for the whole situation, but they didn’t tell me the claim number and the response time. Leaving the bank, I called the call center of the insurance company and found out that the documents had not been received by them.
On June 29, I came to re-write the application (the printer started working), but now they refused me. She left an application for providing me with copies of the documents, they promised to provide an answer within 5 working days. The next day, completely desperate, she turned to the insurance company itself and left applications there, because. they did not receive any documents from the bank. I was very surprised to learn that under the asset plus program the contract was concluded on June 21 (I remind you that I first contacted the bank on June 23). The bank was negligent in its obligations (both sending applications to the insurance company, and providing copies of documents and a response to the claim). I believe that if a bank values its reputation, then it is necessary to train employees with high quality! Starting from the correct provision of information to the expression of employees' faces. Following from the above, I concluded that the bank deliberately violates the rights of consumers and the law!
