The mobile phone market is updated with new models quite often, which is why many of us change their phones about once every two to three months. Those who have sufficient income to place a purchase right away pay for the goods in cash, and those who find it easier to pay in installments draw up a promissory note. Read below how to buy your dream phone on credit.
Instructions
Step 1
With the development of lending in Russia, stationary mini-offices of banks have appeared in most mobile phone stores. Their availability, and the minimum requirements for borrowers often attract those who want to buy a phone in installments.
Step 2
Having chosen the mobile model you like, ask the sales assistant if it is possible to purchase goods on credit. If this service is available, then he will take you to the loan officers. In some communication salons, the sales floor employees themselves draw up applications for consumer loans.
Step 3
Usually, when making a purchase on credit, banks require a minimum number of documents and requirements for borrowers. If you are suitable for all points, then with a passport and the second documents, contact the employee of the credit institution.
Step 4
If, for example, several banks provide banking services in a mobile phone store, then you can inquire about the interest rate, overpayment and other nuances in all existing institutions.
Step 5
By the way, if you are ready to make an advance payment of at least 10 percent of the cost of the goods, the chances of receiving a positive response from the bank increase several times.
Step 6
After choosing the most suitable one from several credit companies, present your passport and state the amount and model of the phone that you want to buy. When filling out the application, you will be asked to name such data as: duration of work at the company where you are employed, your salary, monthly expenses (utility bills, purchase of products, etc.), contact numbers of the accounting department and the personnel department, several numbers of your friends.
Step 7
After completing the application, the loan officer sends it to the bank for consideration. Typically, for consumer lending, the answer comes within ten minutes. You can take this time, for example, by familiarizing yourself with the instructions for the device or studying its functions.
Step 8
If the answer comes yes, then after signing and receiving the necessary documents, you are given a confirmation sheet, with which you are sent to the seller. After checking the phone and filling out the warranty card, you become the proud owner of a new mobile.
