ХА–СКБ: Рассрочка и Кредиты

Вкусная карта СКБ

About this app

🏦 HA-SKB is a modern financial marketplace offering a wide range of financial services. With us, you can get loans, credits, and Halva installment cards.

💸 Take a loan or open a deposit?
We understand how important it is to be able to take out loans or credit on a card and quickly receive cash in case of unexpected expenses. Unlike traditional banks, where the process of obtaining a loan can take several days, our platform allows you to apply for a loan on a card in just a few minutes and receive the money immediately.

Using the HA-SKB app, you can apply for debit cards (Halva), installment cards (Halva), and get a loan online:
- T-Bank
- Alfa-Bank
- Rosbank
- Post Bank
- VTB
- Sovcombank
- Gazprombank

💳 Loans, online credits, deposits, and debit cards (Halva) from HA-SKB
Loans: You can get a loan for any purpose—whether it's buying new equipment, renovating an apartment, or paying for tuition. Our loans feature flexible repayment terms and are easy to apply for.

Online Loans: If you need small loans urgently, you can use our instant loan service. Loans are issued to your card without lengthy checks or waiting times.

Deposits: Want to increase your savings? Open a deposit with HA-SKB (Halva) and earn interest on your funds. We offer competitive rates on online loans and convenient deposit and withdrawal terms.

Halva Pay Debit Cards: Our app also lets you order debit cards from banks like Sovcombank, Halva, and others.
Halva cards with Pay are a convenient alternative to cash. Major banks, such as Sovcombank, offer cashback for payments with their cards. Halva and Social Halva cardholders enjoy monthly super bonuses.
- Installment cards (Halva and others)
- Halva debit cards - Sovcombank
- Free home delivery of Halva cards

🎯 Advantages of our app:
Ease of use: Loans and borrowed money are available directly from your smartphone, without visiting a bank branch.

A wide selection of products: Credit card loans, Halva, loans, microloans, online loans, deposits, and debit cards – all in one app.

🌟 Why choose HA-SKB?
We strive to provide our users with service and make it as easy as possible to apply for a microloan without verification. By installing our app, you will have quick access to all the necessary Halva financial services anytime and anywhere.

Loan Terms:
The minimum repayment period is 91 days, the maximum is 365 days. The annual interest rate does not exceed 32.5%. The base rate for using credit funds ranges from 6.00% to 32.5%. The interest rate for using the loan varies from a minimum of 0.01% to a maximum of 0.01% daily. In case of late payment, a penalty of 0.1% of the overdue amount is charged for each day, up to a maximum of 10% of the original amount. No additional fees or charges are charged.

Interest rate calculation example:
1. Loan - 10,000 rubles.
2. Loan term - 91 days.
3. The daily fee is 0.01%, or 10 rubles, which is approximately 3% monthly (calculated for 30 days), or 300 rubles per month.
4. Summing up all fees, we get 900 rubles.
5. Repayment amount - 10,900 rubles.
6. The annual percentage rate (APR) or full loan cost (FLC) is 32.5%.
7. If a payment deadline is missed, the penalty will be 0.1% of the total amount of the overdue payment for each day, up to a maximum of 10% of the total loan amount.

Requirements:
Age from 18 to 65 years.

License and Legal Information:
ABL-Finance LLC, OGRN: 1113328002600, INN: 3328474857, Microfinance Organization, entered into the State Register of Microfinance Organizations No. 2110133000265 dated July 29, 2011.

What’s new

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