When issuing a consumer loan, bank employees explain to the client in detail all the terms of the transaction, including where and how you can find out the mandatory payment or the loan balance. But due to carelessness or excitement, useful information is forgotten immediately after leaving the bank branch. So, Home Credit Bank offers several ways for each client to find out the balance of the unpaid loan, for which you need a mobile phone, Internet access or a visit to a bank branch.
Visit to Home Credit Bank branch
One of the easiest and most popular ways to find out the loan balance at Home Credit Bank is to visit the bank branch, where the loan manager will provide detailed information about the outstanding debt, as well as print an updated payment schedule. To obtain the data, you will need a passport, which identifies an individual, and a loan agreement. But, despite the simplicity of the request in this way, you should be prepared for the fact that you will have to spend a lot of time in the department, waiting for your turn.
Calling the hotline
You can find out the loan balance at Home Credit Bank by calling the single hotline number. For residents of Russia there is a toll-free number 8-800-700-8006, but for residents of Moscow there is a separate line with the number 8-495-785-8222. Calls to these numbers can be made from landline and mobile phones.
To get the information of interest, you need to dial the number, listen to the answering machine, select the appropriate function and wait for the connection with the operator, for communication with which you will need passport and loan agreement data.
Only the borrower can obtain information about the loan balance, and if the bank manager has doubts about his identity during a telephone conversation, he can request additional information or refuse to provide data.
Service "Telephone Bank"
In cases when it is impossible to reach the operator, and there is a mobile phone at hand, you can use the "Telephone Bank" service, but for this you need to get a TPIN code in advance by calling the hotline. If the specified code is present, then it is necessary:
- dial the number 8-800-700-8006 and press "0";
- select the menu item "1 - Information on the agreement or card" and press #;
- enter the credit card number, consisting of 16 digits, or the number of the loan agreement from 10 digits, press #;
- enter the assigned TPIN-code;
- select the menu item "2-Amount for full repayment" to receive information on cash consumer loans or menu item "3" to form the balance on the credit card.
After the operations carried out, information about the existing debt will be issued by an answering machine.
Internet bank
Internet users are given the opportunity to find out the loan balance at Home Credit Bank in their personal account on the official website. Initially, you will need to go through authorization, for which you need to call the hotline, depending on the location of the client and, having contacted the operator, get a password and login from him. An alternative to obtaining such information is to go to the bank, where credit managers, after presenting a passport and a loan agreement, will issue the assigned identification data. The password received at the bank is a one-time one, and after using it and entering your personal account, you must immediately change the combination of symbols for reliability.
Another convenient way to find out the loan balance at Home Credit Bank is to use the "Credit Cabinet" service, which is free and available at any time. To do this, you should:
- go to the bank's website
- go to the "Enter the credit cabinet" tab;
- enter the date of birth and mobile number of the borrower in the appropriate fields;
- receive a message on the phone with a one-time password and enter the account.
After entering the page, all the data about the loan will appear: information about the payments received and the timing of the next, as well as about the balance of the loan payable until the contract is closed completely.
Before repaying a loan in full or making a partial payment, you need to find out the loan balance at Home Credit Bank in order to exclude underpayment and protect yourself from penalties and damage to your credit history.
