I want to buy a phone on credit. Tell us how to buy a phone loan, how to make a purchase more profitable, how to choose a bank? Is it possible to get a loan online?
Almost every mobile phone salon offers its customers a phone loan on credit. These are consumer loans of an urgent type, so literally half an hour after the start of registration, you can leave the store with a new phone.
If we talk about the requirements for the borrower, then in most cases it must be an employed citizen of the Russian Federation, the device may also be unofficial. When filling out the application, you must provide the name of the organization and its landline phone number. It is also worth considering in advance who you will indicate as a contact person. Usually this is a relative with a landline phone, they can call him during the consideration of the application.
Most often it will be required an initial fee from 10%, but you can find loan options for a phone without a down payment, as a rule, in this case, the rate will be higher. Consideration of the application usually lasts from 5 to 30 minutes.
Prices for phones in online stores are usually cheaper, besides, each large communication salon has its own online store. If you have decided on the model, then you can order a phone on credit via the Internet. In this case, the store will offer to choose the bank with which it cooperates and will calculate monthly payment, interest on overpayment.
After sending the application, the bank will check your application within a few minutes and, if the loan is approved, the manager will contact you to clarify all the necessary data for buying a phone on credit, as well as the time and place where you can pick up the goods and immediately sign the contract for credit.
If the loan is approved, the courier will bring the loan agreement for signing. When meeting, you must first check the phone, and then sign the contract and pay the down payment.
As part of the promotion, many stores offer their customers the purchase of a phone in installments. Often people consider this a publicity stunt, a hoax, a trap, but in most cases this opinion is not substantiated by anything. Buying a phone in installments can be a real and even profitable offer.
The main difference between an installment plan and a loan is the absence of additional overpayments; when applying for an installment plan, you are not charged additional interest that is accrued when applying for a loan. Of course - installment plan is a better option.
But it is worth taking a closer look at the situation if the bank provides the installment plan - who pays the interest? Most likely, interest on such an installment plan is already included in the price of the goods. If the installment is provided without the participation of a bank, the creditor is the company that sells the phone to you, which is of course the best and more profitable option.
The documentation package is not large, income statements are usually not needed, since the amount is not large. In addition to the original passport, the borrower may be required to choose from:
- SNILS:
- TIN;
- compulsory medical insurance policy or DMS;
- international passport;
- pensioner's ID.
It happens that only a passport is enough for registration.
Mobile phone loans are considered the most risky targeted loans. Often phones are issued by scammers or it is a purchase with the aim of reselling and forgetting about the issued loan. Because of this, phone loan rates are very high.
If you do not want to overpay, look for installment offers and buy a phone on credit without interest. Fortunately, now communication salons are actively fighting for a buyer, and such offers are not uncommon.
In this video you will learn the details about consumer credit, which loan to choose, which bank is better and more profitable to take a loan?
Master Gadget modern man it is a mobile phone. But the rather high cost does not allow you to make a purchase.
For such situations, an installment system was developed - you use the gadget today and pay later. But few know how to buy a phone in installments. The procedure itself inspires fear and is presented as an endless collection of documents and certificates.
However, in reality, everything turns out to be much simpler.
The opportunity to buy a mobile phone in installments is provided to almost all adult citizens of the Russian Federation. However, each store sets its own requirements for those wishing to use this type of payment.
If you do not know what documents are needed for installment payments on the phone, then it is better to check with a particular trade organization. Ideally, you will be asked to provide the following package of documents:
Wherein the main condition is the presence of a permanent place of employment. Minimum term work can vary from 3 to 6 months.
But due to the current economic situation, salons have become more loyal to customers, and therefore in most cases they will only ask for your passport. However, in some cases, the credit department of the store has the right to request a certificate of income or the involvement of a third party as a guarantor.
You will also need to indicate the place of work to confirm your ability to pay. They will most likely not take your word for it, but they are unlikely to demand documentary assurances either. It is most likely that a store employee will make a call to one of your colleagues or boss.
This completes all checks.
You can buy a gadget on a staged payment basis in almost any home appliance store. But in most cases, preference is given to well-known communication stores, for example, such as Euroset and Svyaznoy. Most often, it is here that they offer the most loyal conditions for concluding an interest-free loan agreement with a client.
Perhaps the final cost of the phone will be much higher than that of competitors, but at the same time, the requirements for a potential buyer will be very acceptable. There you will also have the opportunity to issue a SIM card of the required type (for some phones they are issued in a special form).
Many will answer the question of whether it is possible to take a phone in installments if you are not working, they will refuse. In fact, the unemployed are different, and such a categorical answer would not be entirely correct.
The status of the unemployed does not mean that he does not receive any financial assistance. Monthly income can be:
If you belong to any of these categories of citizens, then make sure that you are given a certificate of regular receipt of cash payments. Therefore, the question of how to take a phone in installments if you are not working should still be considered from the standpoint of social status, rather than the presence of a workplace as such.
In the event that you do not have any source of income, then it remains to be hoped that the employee credit department will give you confidence and all the necessary applications and forms will be filled with your words.
The undoubted advantage of such a purchase is the fact that the calculated monthly payments do not hit your pocket as hard as a one-time paid rather round amount. However, despite this advantage, there are still some pitfalls:
Debt obligations to the store is a purely individual matter. But before you go to the store for a new phone, weigh the pros and cons.
Perhaps it will be easier to wait and accumulate the required amount.
Modern cell phones can perform the functions of a TV, camera, player and even a computer, in connection with this, their cost is becoming increasingly high. Many people can't buy the phone they need, so they take out a loan. website
In order for you to be given the required amount of money, you need to have a passport and some additional document with you. A passport, driver's license, social security document or pension certificate will do. website
Advantages and disadvantages
Having taken a mobile phone on credit, you, under the terms of the agreement, are obliged to repay the debt monthly. Your payments will consist of the price of the mobile phone, commissions and interest. Each bank sets its own lending scheme. The loan period, maximum amount and interest on the loan will depend on the specific bank. Modern technology allows you to apply for a loan via the Internet. To do this, you need to fill in all the fields in the application on the lender's website and send copies necessary documents to the e-mail box of the bank branch. If the bank agrees to issue a loan, then a bank employee will come to the borrower's house and check the sent documents with the originals. If all the documents are correct, then a loan agreement will be concluded with the borrower right at his home. Sometimes bank employees may ask the client to come to the bank to verify documents. It may happen that the bank refused to issue money to the client, then he will be informed about this by phone. Read more about why banks refuse loans. website
It's important to know
When deciding to borrow a cell phone, be aware that it will cost you much more than any other goods. There is an explanation for this - the sellers are afraid that you will disappear with it and will not repay the loan, or you will sell it before you pay off the debt. because of a large number cell phone scams, sellers raised interest rates on loans to provide some sort of insurance. If you decide to take out an express loan for a cell phone, you run the risk of overpaying a decent amount of money. At first glance, everything seems very profitable, but if you sit down and calculate everything, it turns out that the overpayment is 70% of the loan amount. Tip - do not believe the promotions that say that you can purchase a phone with a 0% overpayment, in the end you will remain deceived. You will be interested in more information about loans in supermarkets. website
by the most profitable way buying a phone on credit is applying for a loan directly to the bank. To do this, you need to bring a document confirming your income for six months. Despite the fact that you have to wait for the bank's decision for several days, you will save on loan interest. They will amount to no more than 36%, and you will pay the commission only once. Another option to take out a loan is to apply to a credit union. Interest rates there usually do not exceed 35%, and the commission will not exceed 5%. The only condition is that the borrower must be registered in the area where the union is located.
If you have already chosen the right mobile phone for yourself and decided to buy it on credit, carefully study the loan agreement and, if necessary, consult a loan manager. Be sure to find out how much the overpayment on the loan is, what are the monthly payments and how much the fees will cost you. If you applied for a loan to your phone in a store, check if there is a branch of the bank with which you signed the agreement in your city. If there is no branch, ask how you can make payments. Keep in mind that mobile phone models lose their relevance and popularity very quickly, so decide if it's worth it to burden yourself with loan payments for a long period. website
To date, a loan can be taken for almost any need. Now you will not surprise anyone with this, since lending has long and firmly entered our everyday life. If a earlier loans If you borrowed only to buy an apartment, a car or other large things, now you can even take a phone on credit. Moreover, today this particular type of product is very common.
Today, hardware stores and cell phone stores offer a huge number of latest models mobile phones. Due to their high cost, not everyone can afford to purchase a smartphone with many features. People decide to borrow from friends or buy a phone on credit. Who doesn't want to show off a brand new chic mobile phone? Now banks offer to buy expensive electronics good tool. Installment card. It's simple - you get a card and pay it for the phone. Then you return the money during the installment period. Those. it's like a loan, but without the overpayment.
Now there are two installment cards - and.
For example, you want to buy a new Samsung in installments. You draw up a Conscience installment card, 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, the installment plan on the Conscience card is 4 months, i.e. every month you have to pay 1/4 of the cost of the phone. This is much better than overpaying on a loan and imposed insurance. You don't need to pay any extra fees.
Modern telephones are big money. The price tag is from 10 thousand to 100 thousand rubles 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 a payment within 1 month, but to open 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 do not overpay.
Making 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 will already be able to pick up your phone.
When you take out a loan for a phone, you only need to pay an initial payment, which, as a rule, is no more than 10 percent of total cost phone. The contract must specify the time for which you need to pay the entire amount. The lower the down payment, the higher the interest rate.
And vice versa: the larger the down payment, the lower the percentage. Of course, today it is impossible to get a loan for a mobile phone with zero credit? It is very important to pay attention to the amount of interest that will need to be paid on the entire amount. I recommend using to buy a phone. It allows you to get a loan within an hour.
And yet, despite the overpayment, you will get a good phone, and with it a lot of positive emotions and joy.
The market for mobile phones after the increase in their lending has grown significantly. Thus, last year the share of credit mobile phones reached fifteen percent. Mutual cooperation is very beneficial for both shops and banks. When you buy a phone, the bank pays for it, so the store doesn't care who pays: the bank or the consumer.
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 driver's license or a passport. Also, the bank may require a certificate of assignment of a TIN code, a certificate of employment or a pension certificate. You will need to present these documents at the store, in the lending department, when you fill out the appropriate form.
Fraud, that is, stealing someone else's property or acquiring the right to someone else's property by deceit or breach of trust, is punishable by a fine in the amount of up to 120 thousand rubles or in the amount of wages or other income of the convicted person for a period of up to one year, or by compulsory labor for a term of up to three hundred and sixty hours, or by corrective labor for a term of up to one year, or by restriction of liberty for a term of up to two years, or by forced labor for a term of up to two years, or by arrest for up to four months, or imprisonment for up to two years. All services of lawyers in Moscow Assistance in refinancing a loan Moscow from 5000 rubles. Reducing cash payments on a loan Moscow from 20,000 rubles. They just refuse to pay. Not punishable.
The main gadget of modern man is a mobile phone.
But the rather high cost does not allow you to make a purchase.
Attention
For such situations, an installment system was developed - you use the gadget today and pay later.
However, in reality, everything turns out to be much simpler. Content
What you need for this The opportunity to buy a mobile phone in installments is available to almost all adult citizens of the Russian Federation.
Important
However, each store sets its own requirements for those wishing to use this type of payment.
But remember that this threatens you with bad statistics when next design loan.
It is important to understand that we by no means recommend doing this! It is better to give up this idea temporarily, get a job and save money.
Info
But as a possible case and for information, we will tell you how this is done.
They will most likely not take your word for it, but they are unlikely to demand documentary assurances either. It is most likely that a store employee will make a call to one of your colleagues or boss. This completes all checks. Where to go You can buy a gadget on a staged payment basis in almost any home appliance store.
But in most cases, preference is given to well-known communication stores, for example, such as Euroset and Svyaznoy. Most often, it is here that they offer the most loyal conditions for concluding an interest-free loan agreement with a client.
Perhaps the final cost of the phone will be much higher than that of competitors, but at the same time, the requirements for a potential buyer will be very acceptable.
There you will also have the opportunity to issue a SIM card of the required type (for some phones they are issued in a special form).
The more cash is given out, the longer the period for their return will be.
But here you should think about a crazy overpayment and weigh whether there is such an urgent need for money. Having calculated how much money will be spent on renting housing for studying in another city, many people are thinking about buying their own housing.
And then the question arises - is it possible for a student to take a mortgage? Yes, no matter how strange it may sound, banks issue loans to students to purchase housing.
Mortgages will require guarantors or co-borrowers with regular verified income, although this role is most often played by parents.
There are no specially designed mortgage programs for students yet, but there are loans, part of which the state helps pay for.
Yes, and most banks minimize interest rate for this type of lending, given the long-term nature of these payments.
A broken screen and the loss of a gadget will become doubly unpleasant when they do not relieve you of responsibility for paying off debts to the store and the bank.
There is already a fee for the possibility of staged payment.
The very concept of "in installments" implies a duty. The feeling that you owe someone is not the most pleasant.
Pravoved.RU 336 lawyers are online now Consult a lawyer online 336 lawyers are ready to answer now Answer in 15 minutes
Hello. I want to take a phone for 65.000 in installments for two years. (In Svyaznoy) Can they provide me with an installment plan if I am unemployed, but I receive a scholarship and an unofficial income. 2) What will happen if you indicate the past when registering place of work, and Upon review, it turns out that I no longer work there? Is it punishable? loan to the unemployed Hide Victoria Dymova Support worker Pravoved.ru Hello! Similar questions have already been considered, try to look here: Lawyers' answers (2) Good afternoon, Dinara. Well, to provide or not to provide you with an installment plan is the seller's business. But if you do not pay, it turns out that you gave false data, you may be attracted: the Criminal Code of the Russian Federation, Article 159. Fraud 1.
If you do not know what documents are needed for installment payments on the phone, then it is better to check with a particular trade organization.
Ideally, you will be asked to provide the following package of documents:
In this case, the main condition is the presence of a permanent place of employment. The minimum period of work can vary from 3 to 6 months.
But due to the current economic situation, salons have become more loyal to customers, and therefore in most cases they will only ask for your passport.
However, in some cases, the credit department of the store has the right to request a certificate of income or the involvement of a third party as a guarantor.
You will also need to indicate the place of work to confirm your ability to pay.
Most banks set the minimum age limit - 21 years, and this, as a rule, is already 3-4 years of university. The bank is especially attentive to the applications of students liable for military service.
Therefore, the question of how to take a phone in installments if you are not working should still be considered from the standpoint of social status, rather than the presence of a workplace as such. In the event that you do not have any source of income, then it remains to be hoped that the employee of the credit department will trust you and all the necessary applications and forms will be filled out from your words. Is it worth it to take the phone in installments? The undoubted advantage of such a purchase is the fact that the calculated monthly payments do not hurt your pocket as much as a one-time paid rather round amount. However, despite this advantage, there are still some pitfalls:
Sberbank This bank offers students different types lending, namely:
