M. Video is one of the largest retail chains in Russia selling household appliances, computers and mobile electronics. If you do not have enough cash to buy any product, you can apply for a loan right in the store of this network.
Instructions
Step 1
Find the product that will interest you in the M. Video assortment. To obtain a loan, it must cost at least 2,500 and not more than 200,000 rubles. If its price exceeds the specified amount, then you will need to pay part of the money in the form of a down payment. You can get one loan for several products.
Step 2
Select the bank from which you want to take out a loan. There are several banks on the territory of M. Video that provide similar services - Russian Standard, Cetelem, Alfa-Bank and Renaissance. Their loan programs are very similar to each other. Each of the banks provides a loan "10-10-10", providing for the receipt of goods with payment of a ten percent down payment, with a loan for ten months at 10% per annum. However, such a lucrative loan may not apply to all goods presented in the store. There are also special loans for certain groups of goods. For example, Russian Standard Bank offers a loan for the purchase of cell phones separately. The interest on such a loan is quite high - 65%, but the goods can be received without prepayment.
Step 3
In addition to the interest rate, pay attention to the terms and conditions of the borrower. For example, in the Renaissance Bank you can apply for a loan only if you are 25 years old.
Step 4
Fill out the application for obtaining a loan at the selected bank. It will be enough for you to show your passport. Even a situation is allowed when you do not have a permanent registration. In this case, a temporary registration for a period not less than the period of loan repayment will be sufficient.
Step 5
Wait from a few minutes to an hour for the bank to make a decision. If he agrees, you will be able to complete the purchase. If you were refused, you can contact another bank cooperating with M. Video.
