When the washing machine has failed, and the budget does not provide for the costs of new equipment, there is a way out. We are talking about installments - a popular way to pay for goods of a high price category. You will learn about how to draw up a contract from our article.
The concept of "installments"
This is an opportunity to pay the cost of the washing machine in equal parts. Such payment does not imply interest, unlike a loan. A bank employee draws up a loan agreement, and a point of sale manager installments. A visit to a credit institution and a full package of documents are not required, since installment payment is a simplified procedure.
The interest for the transaction is paid by the store or the buyer. Please note that goods under this scheme may be more expensive than cash. This is due to the fact that supposedly missing interest is included in the price of the goods.
Important! An installment plan has a shorter repayment period - this is the main difference from a loan. The entire amount will have to be repaid in a period of 3-6 months.
In Russia, you can buy a washing machine by installment payment method for a period of 2-10 months, and the amount can be about 150,000 rubles. Some stores offer goods on similar terms as part of a temporary promotion.
Is there a down payment? It all depends on the conditions of a particular store - the first payment is not always provided. At some points, they ask for as much as half the cost of the goods.
Convenience for the buyer in the speed of the procedure and the minimum package of documents. The store does not require a statement of income or confirmation of a favorable credit history.
What are the benefits of installments
Advantages of a partial payment for a washing machine:
- Your machine is now, and payment will be required later.
- Payments must be made at regular intervals in equal parts (for example, 5,000 rubles each month, if the AGR costs 50,000 rubles, and the period is 10 months).
- There is no overpayment for goods due to the lack of a bank commission.
- The deal is made out quickly.
- Often there is no down payment.
- Buying online, on the website of the online store.
- No documents and guarantors needed.
Obstacles that await buyers of washing machines:
- The store may not issue a contract and not explain the reasons for this decision.
- Expensive products are not always sold according to this scheme.
- The store does not allow partial payment of the entire assortment - it can be a narrow lineup or a limited number.
- You need to deposit money according to certain numbers in order to avoid interest.
Note! For the store to approve payment in installments, please contact there at the beginning of the month. Explanation: if an installment plan is provided at the store, then the bulk of transactions will be carried out during this period.
Rules for registration of a washing machine by installments
To use this method, grab a passport or pensioner's ID.
Attention! Installment payments are available to citizens of the Russian Federation from 23 years to 70 years of age. It is advisable that the borrower has a permanent place of work, income, housing and official registration.
The rules for concluding a transaction are prescribed in the contract. Also in this document the data of both parties - the buyer and seller: from the name to the list.
When signing a contract without interest and overpayments, read everything that is in the document. This is especially true for text in italics, small and translucent font. Pay attention to the footnotes. The information that the seller is trying to hide in this way may contain additional amounts and fees.
Check at the point of sale through which bank to make payments, so as not to be spent on commission. Also learn about online payment or prepayment.
Important! When making a deal, do not agree to insurance before the bank agrees to the request. If you refuse insurance earlier, the application may be rejected. If you are not interested in SMS mailings, refuse this service by checking the box.
Upon completion of the transaction, the seller must issue the documentation:
- a copy of the contract providing for the sale of a washing machine on an installment basis;
- warranty service coupon;
- check.
When registering a car in an online store for home delivery, the courier must bring a full package of papers. On a pick-up basis, get the documents in the store after being certified by a credit expert. Do not forget about the documents in the turmoil so that the joy of the purchase is not overshadowed by the lack of a coupon or contract.
What conditions do online stores offer?
Before deciding where to buy a washing machine via the Internet, find out how to do it in popular online stores.
- El Dorado. Similar conditions apply to promotions. Feature: a modest assortment. The term of the contract is 10 months, 1-2 years. Plus: you can buy goods without down payment and interest. In fact, there is interest, but they are spelled out in the price of the washing machine.
Important! If you are offered to take out insurance, you have the right to refuse it.
Installment plan - a carefully disguised loan with advantages and disadvantages. Therefore, think before you draw up such a contract. If you are satisfied with the amount of payment and its term, feel free to make a purchase, because you can live without a washing machine, but it’s difficult.