In our time, the purchase of goods on credit has become quite common. This is quite convenient, especially when buying large household appliances, because it is quite difficult for an average buyer to pay such an amount at a time. It is much easier to divide the price into parts and pay it within a year, two years.
Necessary
- - the passport;
- - certificate of wages.
Instructions
Step 1
Contact the accounting department at your place of work. You need to get a salary certificate there, as a rule, the last six months are enough to apply for a loan. Usually, such a certificate is made within one to two days. Prepare your documents for obtaining a loan, original passport and code, as well as copies. Better to do a few.
Step 2
Select the store where you want to buy the phone on credit. Please consult with sellers about this possibility. Usually in large stores there are bank representative offices for obtaining a loan on the spot. First, select the phone model and receive a payment document from the seller for it.
Step 3
Then contact a bank representative to purchase a phone on credit. First, you will need to fill out a form and submit your documents. Next, a bank employee will fill out an application for a loan. Usually you need to wait for an answer within half an hour.
Step 4
Wait for a positive response to your application. Next, carefully read the terms of the loan, in particular, with the commission, interest and payment amounts. Read the contract to avoid problems in the future. For example, it may stipulate the impossibility of obtaining a loan in other banks.
Step 5
Therefore, carefully read the terms of the contract. Sign the documents, if everything suits you, get payment details to repay the loan amount, specify on which days of the month you need to make payments. Then, with all the documents, go to the checkout and register the purchase of a phone on credit
Step 6
Use another option for purchasing a phone on credit. Many banks that conclude agreements with enterprises for the issuance of salary cards provide convenient lines of credit for employees of these organizations. Contact your branch of the bank on whose card you receive your salary and consult about such a loan. Usually, such loans are given at a minimum rate, and payments are automatically deducted from the charges on the card.
