There are moments in every person’s life when their own washing machine breaks down, and as always there is not enough money for a new one, and repairs are very expensive and it is impractical to do it. Therefore, each of us comes to the aid of the opportunity to buy a washing machine in installments. At the moment, this is the most profitable offer for each of us. In the article we will tell you how to buy a washing machine this way, and also mention useful tips on this matter.
What does it mean to buy in installments?
This method is very profitable for buying a new washing machine. Because it involves several payments for equipment without interest. This is the main difference between a purchase and a loan.
On a note. When you buy a washing machine using this method, the entire application is filled out directly to you by a member of the sales department. Otherwise, when you take out a loan, you must provide the same documents to the bank employee who is nearby. This is a more economical and profitable process for purchasing any items.
Most stores in our country can offer you this service for a period of one month to a year. But there are also exceptions.For example, different branches have certain promotions that make it possible to buy equipment not on credit, but in installments (while this service is usually not available).
It also includes an initial and mandatory payment, which varies depending on the debtor's circumstances, promotions and the amount of the purchase of the goods. The payment varies from zero percent to half the cost of the goods in different cases. It is worth noting that the procedure for registering the purchase of goods is much faster than if you bought it on credit. The main thing you need is to have a good credit history and official permanent income.
Benefit
Now it is worth telling you about the immediate benefits of this method of purchasing goods
These include:
- You get your washing machine for pennies and use it. You make payment after a certain period of time agreed with the manager.
- You do not overpay a single penny for your purchased goods.
- Making a purchase and processing documents is much faster than if you bought a washing machine on credit. Possibility of making a purchase without prepayment and down payment.
- Also, in some stores there is an opportunity to buy a washing machine in this way online on their website.
- The last and most important feature of buying a washing machine in this way is that you do not have to provide your income certificate. You only need the basic documents confirming your identity.
- We also dare to warn you about some nuances:
There are cases when the store may refuse to provide you with this payment method for a washing machine without explaining the reason.For example, in different branches there are certain promotions that make it possible to take out equipment not on credit, but in installments (while they usually do not have this service).
- It also provides for an initial and mandatory contribution, which varies depending on the circumstances of the debtor, shares and the amount of purchase of the goods. The contribution varies from zero percent to half the amount of the cost of the goods in different cases. It is worth noting that the procedure for registering the purchase of a product is much faster than if you bought it on credit. The main thing you need is to have a good credit history and an official regular income.
- Benefit
- Now it’s worth telling you about the immediate benefits of this method of purchasing goods
- These include:
- You get your own washing machine for pennies and use it. You make payment after a certain period of time agreed with the manager.
You do not overpay a single penny for your purchased product.
Making a purchase and completing paperwork goes much faster if you were buying a washing machine on credit.
Possibility of making a purchase without prepayment or down payment.
- Also, in some stores it is possible to purchase a washing machine this way online on their website.
- The last and most important feature of purchasing a washing machine using this method is that you do not have to provide your income certificate. You only need to have basic documents confirming your identity.
- We also dare to warn you about some nuances:
There are times when a store may refuse to provide you with this payment method for a washing machine without giving a reason.
Such services are not provided for very expensive goods.
- It may not apply to all washing machines provided in the store.
- There is a possibility that such a product may cost more than its price.
- If you do not pay the required amount specified in the contract on time, you may be fined or the store may refuse to work with you in the future.
What do you need to get an installment plan?
The first thing you need to order a washing machine in installments is to have a document confirming your identity and individual taxpayer number. But also be aware that the store has the right to require additional documents, such as a military ID or registration sheet.
When purchasing a product using this method, you draw up an agreement that specifies the following points and conditions for completion:
Your personal information. This includes: full name, passport series number, place of work, registration, marital status, etc.
Obligations that are imposed on you and the store for the duration of the contract.
Signatures of the store and you.
Important! When you sign an agreement to purchase a washing machine using this method, carefully read all the points that are written there. Facts of fraud and “fine print” cannot be ruled out, after which you will have additional difficulties and unexpected conflict situations.
