What banks give a loan in many furniture. Furniture on credit or installments. General Terms of Loan

There is always missing money, we will not earn all money and so on the like. But I want to change the situation in my house - to get rid of the boring dead sofa, throw out the old scary closet, dotted chairs, finally replaced the swollen kitchen on a new, brilliant and smelling freshness! Fortunately, in our time, everyone has such an opportunity - you can afford any furniture that you want. Enough envy neighbors and friends - update your interior and please yourself and loved ones!

Terms of loans for the purchase of furniture

Consumer credit - Practically the most common among the population. The essence of such a loan is that the bank issues a loan to the consumer to current costs. That is, in the conditions of the lending contract, the subject of crediting is prescribed to which you want to spend money, and the loan is considered to be targeted. Most often, such loans are made in the store where you want to purchase goods. We can also take such credit online!

As for interest on interest betting - in different banks they are different. According to express loans, they are the highest, as a rule. It should be borne in mind that in addition to interest, the credit is also charged Commission of 5% for issuing documents, removal and translation money. I.e these 5% eliminate you from the need Go to the bank and collect all references.

Usually consumer loans available for a period from 3 months to 6 years, amount From 10 000 rubles to 250,000 rubles. The maximum loan amount depends on the amount of your monthly income.

Typical conditions for obtaining a loan for the purchase of furniture in our store

What do I need to do to buy furniture on credit?

Please carefully read the contract before you take a loan for the purchase of furniture - no matter how tediously and for a long time. Browse all points, especially small font, and if some moments are not clear - check with the manager. No one will deceive youHowever, you can miss something from mind due to ignorance with conditions. Special attention Pay commissions and interest, loan repayment timing and fines. You do not need to be shy, boldly ask questions to the consultant - after all, you manage your honestly earned money. The task of the manager is to help you!

In general, buy furniture on credit is very easy and fast!

Without references and guarantors.

Without a hike to the bank - expect the manager at home!

Approval for an hour. Maximum - until the end of the day, when the application was received.

Credit amount up to 250,000 rubles!

Possibility of free early repayment!

You can buy several goods at once on credit, there is no need to issue each separately.

You can make a loan in any region of Russia.

You can get a loan in one of 5 partner banks: Home Credit Bank, Opening Bank, Renaissance Credit, Summer Bank, Eastern Express Bank, Metro Bank. The list of partner banks is constantly expanding and the likelihood of getting a loan in one of these banks is sufficiently high.

After registration of the loan agreement, the representative of our store will contact you and agree on the delivery time of the goods.

But with the help consumer credits You can purchase the best banks in the near future. Consider the most profitable programs for lending to individuals from several Moscow banks.

With the help of lending you can buy the best furniture for the child.

It is when buying children's furniture that it is important to take into account that the child is growing, and the furniture purchased today, tomorrow - will not be relevant, so you need to buy adjustable Children's furniture that can grow with your child! Remember that buying unregulated children's furniture to you after a while you will have to update it, because Old old will be too small, and the child will be inconvenient to do it. If a financial opportunities Do not allow you to immediately buy good children's furniture, it is better to take a loan than every 2 years to go to the store!

Remember the saying: "- We are not so rich to buy cheap things!"

General Terms of Loan

As a result of the research of proposals from banks specializing in consumer lending, we concluded that we conclude that to take a cash loan for the purchase of furniture quite simple! Since the amount of the loan for the purchase of furniture is relatively small, leading banks recommend using this product as "cash loan".

Please note that the information below is provided by banks that can change the conditions without prior notice, so the information on this page is not an offer.

Examples of calculating a loan for the purchase of furniture

Suppose you want to acquire a set of children's furniture consisting of a Moll table, chair and lamp. The estimated cost of such a set of 50,000 rubles. When using credit funds for the purchase, you can get furniture for a few days after signing the contract with the bank, after which you will be given cash (or list the amount of credit on the card with which you can withdraw them yourself in ATM)

So, the calculation of payments on a loan of 50,000 rubles. The figures are given indicative, from the settlement of 22% per annum, a loan for a year (you can take a loan for a longer period)

Including Repayment of the main duty

Repayment of interest

Debt residue

If you decide to update the interior, but there were unforeseen expenses that deprived you of the necessary amount for the purchase, purchase furniture in installments. Such a service will allow you to refresh the home furnishings without waste all family budget. Let's look at other advantages and units of installments, but first we will deal with terms.

What is better to take furniture in installments or credit

To answer the questioned question, you need to understand well with what you are dealing with every specific case. The bottom line is that these two concepts are easy to confuse. Misleading us, simple consumers, love to enter cunning sellers. Why are they replacing one concept to others? Tell me.

Buying furniture in installments, you immediately take the goods. Payment occurs the same parts for a certain period specified with the store. All transaction conditions are prescribed in the contract signed by the two parties - the seller and the buyer. Furniture in installments without a can from shops suggests that the selling side itself:

sets the sum of the advance ( initial contribution), decides to provide the service without him or with him;
determines the period during which the citizen must return debt;
places requirements for documents (most often enough passport);
takes risks.

This installment is beneficial and the store that can sell more products, and the consumer, saving in interest rates. However, the person buying products in installments will become his owner only after full repayment Debt. While he performs his debenturesThe product is collateral. In case of non-payment of the entire cost of the goods, the store has full law pick it up.

If you promise installments, but send to banking representatives, usually located in every major trading point, it means that the furniture is offered. Sellers do not want to risk, it's easier for them when the mediator comes into business - commercial organization, namely: the bank, microfinance company. Then the creditor gives money to the purchase and, of course, under a certain bet.

Credit and financial institution negotiates the timeline, value and cost of the loan, concluding with the buyer credit contract. In this case, the borrower has to prevent more documents. And if his financial dossier is still spoiled, the bank may at all refuse to cooperate with him or, for example, to invite guarantors.

It's important to know!

And now we turn to the underwater stones. Almost every one of us saw 2 price tag on the product. On one displayed the usual cost of furniture, on the other - the price provided by installments. If you look at, you can see that the amount is often less than the second price tag than on the second. Why is this happening? Since the seller carries risks, there are many unfair buyers, it overestims the cost to cover possible losses.

For the person acquiring the goods, such conditions are not beneficial. Because without overpaying it is not enough. Therefore, it is recommended to watch prices for furniture in installments in other stores. Then you can understand they are market or overestimated. But the most important thing is to carefully examine the points of the contract. Because Sellers are very rarely resorted to "clean" installments, you can as a result of the substitution of concepts to agree to a consumer loan.

In general, it is more profitable to buy furniture in installments. Causes of this output:

installments are cheaper than the loan as a whole, which is due to the lack of interest;

simplicity and efficiency of design;

the possibility of concluding a deal and acquisition of furniture without leaving home. Then you will need to make a purchase in the online store, negotiating the delivery of the product along with the contract and other documents necessary for signing;

there is no need for insurance.

But you need to remember about the lack of installments on: kitchen, chairs, cabinets, cabinets and other furniture items. For example, a loan lasts longer by installments. But for this you pay interest. If six months, 12 months are not enough to return all the cost of the goods, it is advisable to take a loan. More minuses are in: an advance payment (although he is not always there), overlaced.

Where to buy furniture in installments

It is difficult to say where it is better to buy furniture in installments. On the russian market A lot of proposals, each manufacturer and the store compete with each other, and therefore try to attract customers with various advantages: inexpensive furniture, speed of conclusion of the transaction, the possibility of choice (by photo) and design online, free shipping, assembly, installation and other things.

All options need to be analyzed and compared. Only so you can get more benefits. Well, let's look at the offers of some authoritative stores.

Mirado.

Mirado is a large furniture factory specializing in the manufacture of high-quality cabinet / built-in furniture. It can be ordered: fulfillment of an individual project, free challenge of the measurer, signing a contract at home and others. In Mirado furniture is certified, sold with a guarantee. From a large range you can choose: bed, worktop, wardrobe, mezzanine, wood array products in the living room, office, office, hallway.

Factory "Style"

Factory "Style" has an online store, working in the field of sales of durable furniture of the European standard. It will provide you with models of any class, design, complexity. In the online catalog you will find a chair for every taste, a computer table, children's furniture, wall shelves, panels, dressers, etc. If you wish, it is possible to place installments in Moscow, visiting the salon placed on the Green Avenue in the shopping center "Your Home". Here, without any problems, you can pick up the furniture in the child's room.

Shatura.

Shatura - domestic enterprise, producing furniture for: kitchen, office, hotels, bedrooms. It is one of the leaders in its segment. It offers a large number of different products, including a sofa on credit.

Factory style
Sum	Time	An initial fee	Requirements for the buyer	Partner banks
up to 500 000 rubles	6-24 months	0-50%	18-75 years, Russian citizenship, passport, permanent registration	OTP Bank, Alfa-Bank, Rusfinance Bank, Renaissance Credit, Home Credit.

Pipple

Stumble - hypermarket of the interior items providing in installments or loans over 5 thousand items of goods. Household, industrial, soft furniture in installments or by fact.

Pipple
Sum	Time	An initial fee	Requirements for the buyer	Partner banks
up to 500 000 rubles	3-36 months	not	from 18 years, Russian citizenship, passport, permanent source of income	Credit Line, Alpha Bank, Home Credit, Rusfinance, OTP Bank, Renaissance Credit, Post Bank.

To buy furniture by installments online, follow the instructions

Choose your favorite goods, add it to the "basket".
Place the order. In the payment method, specify the "installment / credit".
Click on the button "Order".
Answer the manager's call to coordinate all the questions with him.
Wait until the credit specialist calls, which clarifies you to fill out the application and send it to partner banks. In approval, the place will be coordinated, the time of concluding a loan agreement.
Upon arrival of the bank representative present the original and a copy of the passport. All, now buying your.

Installation cards - the optimal way to purchase furniture

Solve you what credit Program Select - installments from the store or credit provided under its type. Now you are aware of all the intricacies of these services. But to evaluate the financial benefits of a product, take a look at one option to buy furniture on favorable conditions. These are installments. Thanks to this, even the purchase of furniture in installments without interest becomes available without interest

"Conscience"

Kiwi Bank produces its product, thanks to which you can freely pay for services and goods at the expense of borrowed money. The installment card is valid in more than 50 thousand stores. Annual service is free. The limit renewable, its size reaches 300 thousand rubles. You can get a card by passport. She will deliver a courier to the house.

Installing the furniture and other goods does not exceed 12 months. When this period is over, it will be necessary to pay 10% per year. You can use the "conscience" and offline, and on the Internet. Her release relies like people with good credit history. The cashing card in ATMs recently became possible, but with the limitation of the amount and additional commission. Give "conscience" of individuals from 18 years. Maximum age 65 years old. Mandatory are: registration, income, citizenship of the Russian Federation.

"Halva"

Another good installment card is Halva owned by Sovcombank. Here is its positive parties:

registration without commission;
installments up to three years;
free shipping;
cashback reward;
accrual up to 7.50% in the form of income to the balance of own funds.

"Halva" take everywhere. The affiliate network has more than 110 thousand stores, of which about 90 are furniture salons. Lending occurs for 10 years. Credit limit It is established depending on the customer's solvency, but may not exceed 350 thousand rubles. Requirements for the future holder: a resident of the Russian Federation, the availability of income, contact phone, age limits of 20-85 years, official employment and 4 months of experience at the last workplace. Registration occurs on the passport, provided you are registered and live where there is a branch of Sovcombank.

"# Wamstodegeg"

"Instead of money" - new map, produced by an alpha-bank with a limit up to 300 thousand rubles. It can be paid in any stores. If this is a partner of a credit and financial institution, installments last 4-24 months. And if you make non-cash operations from other sellers, instead of money will be an ordinary credit card with a grace period without percent (up to 30 days outside the affiliate network). Total time Card action is 5 years.

It is active and abroad. However, according to many holders, the map is not beneficial abroad. # Namstodeg is provided, served for free. Per early repayment The Commission is not charged. If overgrown payments, the Bank imposes a fine of 10% per annum. Cash withdrawal, remittance Do not produce. Registration occurs exclusively online.

Product release is carried out in respect of 18-85-year-old Russians with constant registration, monthly income from 5 thousand rubles. You will also need: telephone, passport and additional document. Alpha Bank has more than 150 partners, so you can buy furniture in installments without problems.

Eventually

With installments, installments favorably make the purchase of furniture. Each works in the same principle. Together with them you will not overpay, pay interest within established period. If you will return equal payments to the bank every month to which the cost of purchase is broken, you should not worry about a serious credit load, and the loan really becomes free.

Online store Good-mebel.com invites you to make a loan when buying any furniture model presented in the catalog

Our advantages:

First, it is an opportunity to buy furniture on credit and pay strictly fixed amount During the agreed period, thereby you will independently calculate your spending in the near future.
Secondly, you have a chance to purchase furniture on individual sizes. If you order furniture on special sizes, but are not yet ready to pay the entire amount of the entire amount, then the loan will become the best option for you, thanks to which you buy the desired product corresponding to your wishes, and the money will be made in parts.
Thirdly, you do not need to expose long queues when making a loan, you can arrange it through the basket or using the operator by calling.
Finally, we focus on a wide range of consumers, so on credit you can buy any product, regardless of its price.

How to make a loan?

If you have already chosen the model you are interested in, you can place an order by clicking on the button in the cart "buy on credit" or choose a payment method - "buy on credit", as well as by phone, specifying all the details of the operator. For greater convenience, we offer you credit calculatorwhich will help navigate with the terms of payment and the initial contribution.
Next, you should wait for the call of the credit specialist.
The contract for the signature will be delivered to the house, which will significantly save your time.

Our online store offers to buy any cabinet or upholstered furniture on credit, thereby you don't have to wait for a long time, postpone the purchase for later waiting for a more favorable moment. You can save your time and find the models you need without spending time for long searches in the salons, which are sometimes located at different parts of the city. Our loan is much more profitable than in stores or furniture salons. After all, the site contains products that supplies the manufacturer's factory, bypassing the dealers, which means that the initial price for the product will be much lower than the intermediaries.

Furniture on credit in Moscow with our online store has become more profitable, more convenient and more affordable to a large number of buyers. You can independently calculate how much you will pay every month. Site navigation is so simple that you do not have to spend time for long consultations, you will handle this task yourself: you can choose a loan period and see monthly paymentwhich will need to pay. Everything is simple, quick and most convenient. Now you do not have to put long queues in the bank and in vain to lose your time. Do not deny yourself from buying stylish, fashionable and high-quality soft or cabinet furniture from the manufacturer. We take into account all your wishes and try to make our service as available for a wide range of consumers!

Payment in our store can be carried out both in cash and on non-cash payments.

Cash

Payment upon receipt of goods

Payment of the order is made after checking the completeness of the goods. And only when you make sure that the appropriate quality, you will be asked to sign in the invoice for receiving the goods and pay.

Together with the ordered goods you will receive a set of documents:

Cash check;
Sales receipt.

For orders for the amount more than 100,000 rubles Payment by cash upon receipt of the goods is impossible. Such orders are delivered only after making a prepayment by the client.

Payment via the Internet and payment terminals

Payment is made after order confirmation by the manager

We accept payments through the safe service of Yandex.Cass, which offers payment plastic cards, Webmoney's electronic money and Yandex.Money, knows how to work with popular online banks: Sberbank online, Alpha Click and Promsvyazbank, and also allows you to pay for the purchase of cash in the EUROSET salons and the connected and any payment acceptance terminals throughout the country, including Sberbank ATMs.

To pay this method, please select in the "Basket" when ordering the appropriate payment type and be sure to specify the correct e-mail.

After placing the order, our manager will contact you to match the convenient delivery date and send you an invitation to the payment page.

After receiving payment, you will receive confirmation by email.

Ways of payment

"Pay in parts" with Yandex.Cass

Finishing completely Online

You can purchase goods in our online store by installments with the Yandex.Cass service "Patch in parts". Everything is very simple: when placing an order on the site, choose a payment method "on credit", after coordination of the order with the manager, we will send you a link to the application for credit.
Instructions for working with the "Patch in parts"

Benefits of buying on credit

All online. The loan is issued during payment, you need to wait approval for several minutes.
Understandable conditions. The final amount and payment schedule will you see before getting a loan.
Simple questionnaire. As a rule, only passport data is needed.
30 days without overpayments
Interest rate after preferential period 3.5% per month
Provision period - 6 or 12 months

Terms of provision

Citizenship of the Russian Federation, with permanent registration in the territory of the Russian Federation
The age of the borrower - from 18 to 65 years
Purchase price from 3,000 - 150,000 rubles
Availability of a permanent source of income

Bank transfer

Payment by receipt in any bank

For buyers from other cities we offer payment bank transaction. After confirming the order by our manager, you will receive an account and receipt by e-mail to pay through the bank.

Pay this account you can like individual In any bank.

Please be prepared that the Bank may be charged for this service, which is usually from 1% to 3% of the amount of payment.

Cash enrollment usually occurs on time from 1 to 3 working days. After crediting funds, we will send an order to your chosen way.