Bank home loan deposits year. Home Credit bank deposits. Home Credit Bank Deposit Calculator

Term deposits are a profitable and effective investment of free funds of individuals in financial institutions. Making a profit from a deposit is simple: you place your funds in a bank account at interest for a certain period, then the bank regularly shares with you its profit from financial transactions.

Home Credit Bank offers to make a deposit at high interest rates (from 7% per annum). Our organization has extensive experience in the Russian financial market and a positive reputation, time-tested.

Home Credit Bank provides a wide range of programs for generating income from financial investments for individuals. Here you can choose the deposit that best suits your goals and apply online for its opening. Interest on deposits is paid monthly (with or without capitalization) or at the end of the deposit term.

Types of deposits

"Quick income" - deposits are accepted for a period of 6 months only in Russian rubles. The minimum deposit amount is 1,000 rubles.
"Capital" - deposits are accepted in rubles for a period of 36 months. The minimum deposit amount is 1,000 rubles.
"Profitable year" - interest-bearing deposits are accepted in Russian rubles, as well as in dollars or euros for a period of 12 months or more. The minimum deposit amount is 1,000 rubles (100 dollars or 100 euros in case of investments in foreign currency).
"Pension" - a special deposit, issued in the presence of a pension certificate in rubles for a period of 18 months. The minimum deposit amount is 1,000 rubles.
"Cabinet" - a special interest-bearing deposit in a bank with a large down payment for a period of 12 months or more. The minimum deposit amount is 1,000,000 rubles.

To make a deposit in our bank, please contact the nearest office of the unit providing this service with an identity document (passport). At your request, the initial payment is credited in cash or non-cash on the day of signing the contract.

Take advantage of the opportunity to receive reliable financial support from Home Credit Bank - fill out and submit an online application today!

Having free money on hand, you can not only buy something or solve some problems, but also become more financially wealthy by making a deposit in Home Credit Bank for individuals 2019. Its deposits are distinguished by loyal conditions and attractive interest on rates. Generally speaking, the minimum rate on ruble deposits is 5.5, and the maximum does not exceed 8.3.

What type of investment to choose?

Do you have a large amount of money and want to get the maximum income in a short period of time? Choose short-term banking programs. In this case, it is possible to withdraw accruals to a separate account or capitalize interest.

Is it worth the task to securely save the available funds? Pay attention to deposits that involve replenishment and partial withdrawal of money. Today, they have almost the lowest interest rates, so they are not considered profitable. But you will always have some amount at hand that will not be spent on petty needs.

There are also highly specialized projects designed for pensioners and people who receive pensions/salaries through this bank. Such products attract high profitability and the ability to manage capital.

Of course, this list has its leader. Today, the most popular is the ruble deposit Savings account with the following characteristics:

The minimum bet is 5.5;

The maximum bet is 5.5;

The initial amount is 1000;

You can quickly open it in one of the branches of Home Credit Bank or use Internet banking. Special applications will significantly save time, because you do not need to spend it on the road and filling out paperwork. You can get additional information about this or another product on the official website of a commercial organization.

Income calculation: fast and free

On the site site, you can calculate the approximate amount of profit that you can get when choosing one or another method of investing. To do this, we have created a convenient online calculator that requires a minimum amount of data. In addition, you have the opportunity to track the rating of banking products online, which is constantly updated. It is compiled according to independent experts, so all the points are fair.

Deposits in Home Credit are divided into urgent (when money is forbidden to be withdrawn before the end of the term) and demand deposits (if necessary, the bank returns the funds). In addition, Home Bank deposits differ in terms of types of currencies, terms, purpose and functionality. The article presents the types, interest rates and methods of making deposits in the Home Bank.

What does the bank offer for Home deposits for individuals 2015

The financial institution provides residents of the country with deposits in the national currency, where the initial amount and the minimum amount of replenishment are more than 1 thousand rubles. If the contract is terminated early, there are special conditions.

It provides for the issuance of interest accruals at the end of the term and the absence of capitalization for:

Quick income, which is issued for a 6-month period.
Key interest issued for a short period of 3 months.

In the conditions of the presented products, partial withdrawal of money is not implied. There is a reduced rate for early closing.

Interest on deposits is recalculated and paid monthly:

Profitable year - for a period of 12 months, with partial withdrawal of money.
Good news - it is placed for 6 months, the issuance of part of the funds is not provided.

The investor himself chooses capitalization or receiving interest payments.

Developed and special offers:

Pension deposit - for a period of 1 year with the ability to choose between capitalization and interest withdrawal.
Cabinet - for owners of a large amount, where the initial payment is 3 million rubles.

Prolongation is provided for all presented types of deposits. The main condition is the availability of a similar product at the time of renewal.

What deposits of individuals in 2015 are issued in foreign money

Home Bank offers deposits in foreign funds with a replenishment amount and an initial payment of -100 euros, as well as dollars, where partial withdrawals are not allowed:

Profitable year - for 12 months with monthly interest and possible capitalization.
Seven - for 3 months, capitalization is not provided, the due interest is issued upon the expiration of the deposit agreement.

The list of rates on deposits 2015 in a financial institution Home Credit

Deposit selection service in 2015 on the bank's website

Home Bank invites everyone to choose a suitable deposit on the official website. Each type of contribution is accompanied by a calculator that allows you to calculate the approximate income by entering the following information:

estimated deposit period;
the amount to be paid.

The interest rate is set automatically. By clicking "Calculate", you will receive the amount that will be on the deposit at the end of the validity period.

How to open a Home Credit deposit 2015

Having visited the nearest bank branch, contact the cashier and inform about the desire to open a deposit account. You will need to present your passport and sign a printed contract. The initial amount can be paid in cash or debited from the card.

Anyone can make a preliminary application for a deposit on the official page of the bank. You must fill out the form provided, indicating:

Last name and first name, gender.
Mobile phone number containing 10 digits.
Your email address.
Date of birth.
Repeat the proposed code.
Confirmation of consent.

After sending the application, you must visit the bank branch, where you will need:

present a passport;
sign a contract for a banking product;
pay the initial amount.

Debit card holders can open a deposit on their own in Home Internet Banking and manage it online.

Pay attention to the action, which is held in Home Bank until 09.02.2016. Preferential prolongation is allowed with an annual rate of 18 percent for deposits in 2015 and 2014. Detailed conditions can be found on the official banking website.
Any deposit is automatically insured from the moment of registration, since Home Bank is included in the compulsory insurance system. The maximum amount of compensation is 1.4 million rubles. Accrued interest is added to the principal amount and is also refundable.
Home Bank offers a preferential package consisting of a credit and debit card Key. With it, you can open and replenish deposits, make payments and send funds to other bank accounts through the online service.

Home Credit & Finance Bank is a large commercial bank, which is currently recognized as one of the leading organizations for consumer lending. The main office of the bank is located in Moscow, but there are branches of the bank in the regions. The owner of the bank is Home Credit Group, a Dutch credit institution, which, in turn, is part of the Czech group PPF. Ivan Svitek is currently the chairman of the board of the bank, and Jiří Šmeits is the head of the board of directors.

Home Credit Bank (hereinafter, the “popular”, abbreviated name or HK will be used) appeared immediately after perestroika, in 1990. Then it was called "Innovative Bank Technopolis" and operated only on the territory of Moscow. It took 12 years before the Dutch group bought this bank; then, in 2002, there was a rebranding, and in July of that year, the bank issued the first loan in the state.

Over a fairly long period of existence, the bank managed to declare itself as an active social figure (carried out a number of charitable programs), a fighter against fraud and an improvement of the underwriting system. In addition, it was Home Credit Bank that was one of the first to launch a mortgage system for issuing loans in the country and engaged in car loans, as well as provided deposit insurance, which once again emphasizes its reliability in the line of Russian banks.

Currently, the bank specializes in providing retail services to the population. Home Credit Bank has more than six thousand branches throughout the country, as well as almost 70 thousand points of sale.

The bank's net profit has grown from 3.6 million to 20 million since 2008, equity has doubled from 20.5 to 47 and continues to gain momentum. Operating profit also grew (almost three times from 26 million), assets (from 113 to 323 million) and the bank's loan portfolio (from 82 to 223 million).

Such a positive financial history and support for innovative projects and their implementation for the average Russian consumer gave the organization the trust of citizens, so Home Credit Bank deposits are a very interesting offer.

Deposits of Home Credit Bank in 2017

The bank stands out among other similar institutions with its approach to making deposits. There are many common features for all deposits, however, the bank strictly separates ruble and currency offers:

deposits "Quick Income" and "Good News" are accepted only in national currency, they are opened for only six months, respectively;
the “Profitable Year” deposit makes it possible to open a deposit in any of the listed currencies, but it is valid for exactly one year, as the name implies.

Note that both those and other deposits provide fairly high interest rates, which even the owners of the first lines in the Russian banking rating cannot always boast of. Provided that all savings of depositors are insured, this indicator becomes especially “tasty”:

"Profitable year" - 17.23 percent in rubles and 4.59 in dollars or euros;
"Good news" - 13.36 percent, provided that the deposit is opened only in rubles;
"Quick income" - 17 percent.

The institution's website has a special calculator (placed under each offer), which allows you to calculate the profitability in case of investing in a particular program. For most offers, except for the Good News deposit, the interest rate drops to 0.1% in case of early withdrawal of funds (in the case of the specified deposit, it remains unchanged).

It is also noteworthy that the minimum contributions for opening deposit programs in a bank are extremely small amounts, which means that participation in the deposit system is available even to pensioners. In order to open any of the ruble deposits, you will need only one thousand Russian. If you consider it necessary to open a “Profitable Year” deposit in a foreign currency, you will only need 100 euros or dollars.

We also emphasize: all of the listed deposits are replenished. At the same time, HC Bank set a minimum replenishment amount for various types of deposits. For ruble deposits "Quick Income", "Profitable Year" and "Good News", the minimum amount of replenishment is equivalent to the initial fee and amounts to one thousand rubles. As for the replenishment of the “Profitable Year” tariff in foreign currency, the amount of replenishment should not be less than one hundred dollars / euros.

There is a special offer for visitors to our site - you can get a free consultation from a professional lawyer by simply leaving your question in the form below.

In conclusion, we also note that for the convenience of customers, Home Credit Bank in 2017 provided them with the opportunity to certify powers of attorney, which, in turn, provide access to deposits to friends or relatives of the depositor. You can open a power of attorney at any branch of the bank throughout Russia.

According to the reporting data of Home Credit Bank, the liquidation during 2015 was the result of optimizing the company's retail structure due to a decrease in the solvency of borrowers. In addition, every 4 offices across the country were closed. During the period of the previous year, 1863 offices, as well as 22 regional centers, stopped working. Compared to earlier years, the bank only increased the structure of its divisions throughout Russia. In 2013 alone, more than 800 offices were opened. Home Credit spent 776,000,000 rubles on improving the retail structure, which included severance pay for employees, repairs and transport costs.

It should be noted that Home Credit Bank, as of June 1, 2015, occupies 29th place in Russia in terms of assets. Only in the first quarter of this year, he suffered losses in the amount of 5.2 billion rubles. At the same time, according to the results of 2013, its profit amounted to 10 billion rubles on the territory of the Russian Federation. Optimization does not yet allow you to return to making a profit. The reason for the losses was a decrease in interest income, which decreased due to the general credit burden of the population, in addition to a decrease in their solvency.

Anti-crisis strategy of Home Credit Bank in 2015

As current tools for developing cooperation with citizens, the bank sees the stimulation of remote channels, which will reduce costs and increase profits. Thus, the possibilities of using ATMs and mobile banking, as well as the banking website for paying for various services, are expanding. A significant part of the services is beginning to be provided through remote channels, however, the acceptance of deposits and advice on complex services will continue in the bank's branches.

Tinkoff Bank is considered a positive example of remote business, but Home Credit, unlike it, plans to leave the possibility of lending to individuals in stores. Every year, the POS channel gives Home Credit Bank about 2 million customers. It remains only to believe that the effectiveness of the distance model in the current economic recession will be proven over time.

Bank Home loan deposits of individuals 2015

Meanwhile, Home Credit Bank continues to accept deposits and issue income at interest rates as usual. However, in March interest rates were revised.

For example, the contribution " Quick income”, which opens for a period of six months, is now accepted not at 15% per annum, but at 13%. Interest is paid at the end of the entire term.

Another contribution, Profitable year", previously attracted at 14%, is now also accepted at 13%," pension"- under 13.25%, and not under 14.25%," Key percentage"- under 12.5%," Cabinet” is no longer under 14.5%, but under 13.5%.

The duration of the main contributions is one year. There is also the possibility of capitalization of deposits, and interest can be paid every month. Any deposits can be replenished. The minimum deposit is also equal to 100 rubles, with the exception of " Cabinet”, where this amount is equal to 3 million rubles.

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