In almost any store, an expensive product can be issued not only on credit, but also in installments, in which there is no overpayment in the form of interest at all or a low fixed percentage is charged if the installment plan is issued for a long period of time.
It is necessary
- - passport;
- - the second document;
- - contract;
- - initial payment for the goods.
Instructions
Step 1
The advantages of obtaining an installment plan for a product are obvious. You choose the product you like, pay a small percentage for it, most often it is enough to pay 20-30% of the cost to the cashier, receive a check, they conclude an agreement with you, according to which you are obliged to bring and pay a certain amount to the cashier of the store during such a number of months, for which you have received payment by installments.
Step 2
When registering goods in installments, you will need to have a passport of a citizen of the Russian Federation and any other document with you. At the same time, you do not need to submit a certificate of income in the form of a bank or a unified form of 2-NDFL, as is required when receiving a large loan amount. Also, you do not need to confirm your work experience with a certificate from the place of work. It is very convenient and profitable. You will save not only money on interest payments, but also time.
Step 3
An installment agreement is an official document, drawn up in duplicate for each of the parties. One side is you, the other is an authorized store employee. The document contains all the conditions of the issued installment plan, the amount paid for the goods as the first installment, the terms of full repayment of the loan, the date and amount of the next payments, the full details of the seller and the buyer, telephones for communication.
Step 4
The interest rate for using the installment plan can be very low, no more than 5-10%, or absent at all. You will make a certain amount of payment on a monthly basis within the specified timeframe, or you can pay off the entire debt at once in one amount, which is not hindered by the stores.
Step 5
After the full repayment of the entire amount for the goods, the installment agreement is canceled, you will receive a check confirming the full payment for the purchased goods.
Step 6
In case of late payment of payments, the authorized representative of the outlet has the right to file a statement of claim with the arbitration court and demand not only to pay off the debt for the purchased goods, but also to pay a penalty in the amount of 1/300 of the remaining amount for each overdue day in payments.
