Why is it important to know where to buy cheaper on credit?
Today, a loan can be taken for almost any need. However, the loan is associated only with interest and the concept of overpayment✅. Which is not good for the buyer’s budget. Plus, many salons impose loan insurance. To save money, it is important to know how to get a loan to buy a phone cheaper✅ without interest to the bank.
Take an installment card and buy with it
Now banks offer a good tool for buying expensive electronics. Installment card. It’s simple – you get a card and pay for your phone. Then you return the money within the term of the installment plan. Those. it looks like a loan, but without overpayment.
Now there are two installment cards – the Conscience Card from QIvi Bank and the Halva card from Sovcombank.
Credit card application Conscience
- Credit limit from 5 to 300 thousand rubles.
- Real installments in different Stores
- For registration you need a passport and phone
- Card delivery by courier
Halva installment card from Sovcombank
- Up to 12 months Installments
- More than 30 thousand partner stores throughout Russia
- 0% before using the installment plan
- Free annual maintenance
- Credit limit up to 350,000 RUB
For example, you want to buy a new Samsung in installments. Draw up an installment card Conscience, go to the online store and pay it. Next, with the order number and card, go to MVideo and pick up the purchase. In MVideo, installments on the Conscience card are 4 months, i.e. every month you have to pay 1/4 the cost of the phone. This is much better than overpaying for a loan and imposed insurance. You don’t need to pay any extra commissions.
If you do not pay your installment payments on time, the installment card starts working like a credit card, i.e. interest is charged on your debt.
I can do better 👍
Option for advanced: phone on credit with minimal overpayment
Modern phones cost a lot of money. The price tag is from 10 thousand to 100 thousand rubles and above for a normal phone. Naturally, sometimes this amount is not on hand, but it will appear within a month. Then the easiest way is not to apply for a loan, where you will definitely need to pay the payment within 1 month, but to open a credit card in advance.
For example, an Alfa bank card with a 100 day grace period. This will allow you to stretch payments and practically not overpay.
Tinkoff credit card
- Loan amount up to 300,000 rubles
- Grace shopping for 55 days
- Registration without leaving home, receiving by courier
- Free internet bank
- Good support service where you can always call
Alfabank credit card with 100 day grace period
- Grace period 100 days
- A good alternative to microloans
- Credit limit up to RUB 500,000
- Annual service from 1 190 rubles. in year
Kviku credit card application
- Card issue Virtually in 30 seconds
- Credit limit up to 200,000 rubles.
- Grace period up to 50 days
- No issue fee
- Service is free.
- Card rate from 21.9%
A credit card works a little differently than an installment card.
You need to pay interest on it, but only after the expiration of the grace period. A 100 day grace period means you don’t have to pay interest. However, you must pay a minimum payment.
For example, if you made a purchase for 100 thousand rubles, then you will need to pay the next month
Min. payment = 100 thousand * 0.05 = 5000 rubles
After two months
Min. payment = 95 thousand * 0.05 = 4 750 rubles
In the third month
Min. payment = 90250 * 0.05 = 4 512.5 rubles
These payments must be paid, otherwise there will be a delay. In the third month, you also need to either completely close the debt 90250, or you will have to pay interest for using the money for 3 months.
Those. a credit card is like an installment card, only for 3 months.
Loan processing in the communication salon
Getting a loan to buy a phone is very quick and easy. To do this, you will need a minimum of documents and time, and you can already pick up your phone number. In communication salons, OTP Bank, Tinkoff, Renaissance Credit give loans
Taking a loan for a phone, you only need to pay a down payment, which is usually no more than 10 percent of the total cost of the phone. The contract must indicate the time for which you need to pay the entire amount. Moreover, the lower the initial payment, the higher the interest rate.
Conversely, the larger the down payment, the lower the percentage.
And yet, despite the overpayment, you will get a good phone, and with it a lot of positive emotions and joy.
Banking expert, specialist in loans and cards. More than 10 years of experience in commercial banks of the Russian Federation as a loan officer, cash settlement specialist and cashier.
Ask a Question
It is important to check if the insurance is included in the body of the loan when receiving the loan and try to refuse it. If it does not work out, it can be done by law within 14 days from the date of the loan. The possibility of canceling insurance must be specified in the loan agreement
The market for mobile phones has grown significantly after the increase in their lending. Thus, last year the share of credit mobile phones reached fifteen percent. Both shops and banks benefit from mutual cooperation. When you buy a phone, the bank pays for it, so the store doesn’t care who pays: the bank or the consumer.
What documents are needed?
If you decide to purchase a phone on credit, you should familiarize yourself with the required list of documents. The first thing that is required is an identity document, a license or a passport. Also, the bank may require a certificate of assignment of a TIN code, a certificate from the place of work or a pension certificate.
You will need to present these documents at the store, in the credit department, when you fill out the appropriate form.
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Banks welcome “white” salary, stable job and good education of the client. Those with a stable job have a steady income, which is a big plus for the bank. Also remember: the higher the cost, the more claims will be made against you.
Unemployed people and swindlers go straight to the black list of the bank, and, therefore, they may not even count on getting a loan. In addition, there are some age restrictions, but this is individual for each bank. As a rule, the client’s age must be from 21 years old and not exceed 55 years old.
So, if you have decided on the bank that will provide you with a loan, specify the amount and interest rate. And be sure to ask the bank employees about the amount of the fine, if you suddenly fail to pay the loan on time.
Which phone should you buy?
Naturally everyone wants a modern phone.
Now the most popular phones on the Android platform – Samsung Galaxy S 10 and iOS – iPhone 11.
The price tag starts from 20 thousand rubles and above. These are premium phones. Features of these phones – good app store – Google Play Market for Android and App Store for iPhone. Most models with the option of buying on credit can be found in the phone directory of any major online electronics store (ozon.ru, dns, euroset).
The fundamental difference between Android phones and iPhones is that Android is an open platform. You can download music and video to your phone by connecting your Android device like a USB flash drive to your computer or insert a memory card. In the case of the iPhone, you will have to use iTunes or a third-party program such as Dropbox or Yandex Music.
Более подробно: Как скачать музыку на iPhone?
And if the loan was not given?
Anything can happen – let’s say you have a bad credit history, there is no money for a down payment.
Or you just need a gift, but no money. Banks are trying to lend as much as possible.
Loan processing at the bank may take a long time, the application may not be approved immediately …
Another solution is to use microloans or open a credit card in advance. Well, regular banks are fine too.
Fill out a loan application below and you will receive a phone on credit as soon as possible. Below is an application to the most popular banks for buying a phone on credit.
Quick loan online
License of the Central Bank of the Russian Federation No. 01503504007205
- Loans from 5 to 50 thousand rubles
- Fast registration and high approval rate
- They really give money here
- Borrower age from 18 to 65 years
- Loan term from 2 to 12 months
- Receiving money in cash, to a card, Yandex Money, Qiwi Wallet
Cash loan application in RenCredit
License of the Central Bank of the Russian Federation No. 3354
- Loan amount up to 700 thousand, rate 8.5% – 24.5%
- Quick consideration of the passport application – they will make a decision without going to the office
- No provision and early repayment fees and other hidden fees
- Money can be transferred to the Kukuruza card
Term loan from MoneyMan
License of the Central Bank of the Russian Federation No. 2110177000478
- Loan amount up to 15 thousand rubles upon initial application, up to 80 thousand repeatedly
- Loan terms from 5 days to 18 weeks
- Receiving Yandex Money, a bank account or card, through the Contact system
- For borrowers from 18 years old
- You can extend the loan up to 4 weeks