Installing for 3 months. Free map freedom from home loan

Remember the saying about what bad loan? By taking other people's money and for a while, but give your own and forever, and even with overpayment. And if you want to give anyway, it is worth at least reduce the percentage of overpayment, but better to avoid them at all. We have collected for you 4 reliable ways to get an interest-free loan for a long and short term.

1. Benefits and shares in banks - long term, favorable bet;
2. Interest-free MFs - a few days or all time for new customers;
3. Credit cards - the grace period, when interest is not accrued;
4. Installing in stores - Registration of a loan or installment card at 0%.

Free loan under 0% is real

And now we will consider in more detail and give examples of banks and services of express loans, where you can really take an interest-free loan, get a credit card with a free grace period or to issue an installment card for purchases of non-cash payment for 0%.

Bank loan at 0%

Get an interest-free loan in a bank harder, but still it is possible. The method of only two is the share of the bank or preferential lending. The beneficiaries can count on loans or for free at 0%, or at reduced rates in large banks, for example, in Sberbank or VTB. Here are those who can take advantage of similar programs:

1. servicemen;
2. pensioners;
3. large and / or poor families;
4. people who participated in hostilities;
5. other citizens who have the right to receive benefits.

If your benefits are not supposed, then we are looking for a promotion. For example, Binbank offers 90 days of interest-free lending.

Up to a million in Sovcombank - will be returned all interest at the end of the term

• Amount: up to 1 000 000;
• Term: 1-7 years;
• Interest rate: 0%;
• Grace period: interest is returned entirely at the end of the term;
• Reception age: 20-85 years;
• Set of documents: passport of the Russian Federation and an additional document.

The easiest way now get a free loan in SovkomBank, if you have time for an action " all under 0%". All that is required of you is to get a loan and a halva card. Use cashless payment for purchases, cash - for any needs, and at the end of the term Sovcombak returns interest.

There are requirements for income - at least 30 000 rubles.

Interest is returned only when a combination of two products of the company - credit and Halva cards. The standard option is a loan for a year to 8.9% - less also does not offer any bank yet.

Cash loan in Binbank - 90 days without interest

• Amount: from 50,000 to 200,000;
• Term: 2-7 years;
• Interest rate: from 14.99%;
• The grace period: the first 3 months;
• Reception age: 23-65 years;
• Set of documents: passport, optional + income confirmation.

Online Zaim - 5 days without percent

• Amount: from 2000 to 10 000
• Term: from 5 to 25 days
• Interest rate: up to 1% per day

This MFI issues loans to all citizens of the Russian Federation only on the passport. The action is valid - the first 5 days interest on the loan is not accrued, that is, you can take 10,000 for 6 days, and pay, as if we used only one. The standard rate after the 5th day is 0.9% for constant and 1% per day for new customers.

Money immediately - 5 days at 0%

• Amount: from 1000 to 30 000 rubles
• Term: 16 days + prologation
• Interest rate: from 0% per day

The same promotion is the first five days you can use money for free. But it only applies to new customers. The old can only count on every fifth loan (up to 15 days) at 0.02% per day.

Give everything from 18 years, including. Help is not needed, only a passport is required. But you can only take money in cash in the offices of the company, they do not online on the map. New customers - free.

CreditPlus - First Loan Free

• Amount: up to 15,000 rubles.
• Term: up to 30 days
• Interest rate: 0%

And the most profitable offer of a free loan from MFI CreditPlus. It is valid only for new customers, but if you have never come here, sin does not take advantage. Similar conditions are now in - the first loan to 15,000 - without percentage of 30 days.

No pitfalls and additional conditions. Really 0%, how much I took, so much and gave.

You can get up to 15,000 for a month and give the same 15,000 - 0% for the entire loan period. By the way, it is possible for free by taking a loan and extinguishing it exactly on time.

Credit cards with a grace period

If you need no cash, and you want to buy some kind of goods in the store, where you can pay a card, then it is much more profitable to make a credit card. Most banks now offer credit cards with grace periods of lending to 4 months, when interest is not accrued. If you exercise debt on time, the credit limit is resumed and the card again becomes available for purchases. Here are 3 best credits.

Tinkoff Platinum - 590 rubles / year + 55 days without%

• Credit limit: up to 300,000;
• Grace period without%: up to 55 days;
• Monthly payments: 8% of debt;
• Interest rate: from 12.9% per year;
• Service: 590 rubles / year.

The lowest fee for annual service is only 590 rubles, but at the same time the smallest period of free use of money - up to 55 days. But you can pay off debt in any Euroset, connected, MTS salon or any other company that supports the Golden Crown service. Plus, it is possible to arrange from 18 years only by passport, practically and do not need to go to the bank - a credit card Courier brings to your home.

AlfaBank - 100 days without% for 1190 rubles

• Credit limit: up to 300,000;
• Grace period without%: up to 100 days;
• Monthly payments: 5% of debt;
• Interest rate: from 23.99%;
• Service: 1190 rubles.

AlfaBank issues this credit card to those who have already been 21 years old. You will also need a passport and certificate of income (at least 10,000 per month) + from half a year of experience at the last workplace. You should not count on approval with a bad credit history - the card is very popular, and the bank is large and often refuses to those who are not suitable for conditions.

"Element 120" from the Post Bank - up to 4 months without%

• Credit limit: from 15,000 to 500,000;
• Grace period without%: up to 4 months (120 days);
• Monthly payments: 5% of long;
• Interest rate: 27.9% per year;
• Service: 900 rubles / year.

The mail card "Element 120" is the largest interest-free period of the loan of all banknotes of Russian banks. In addition, it can be obtained even with a bad credit history. Mail Bank is a young, only opened, and the likelihood of a malfunction is small, since the bank must collect a good loan portfolio.

The decision is instantant for 1 minute, the application can be submitted online, and get a map in the nearest bank branch. Decorated from 18 years by passport.

Installing up to 12 months - for shopping in stores

And even greater interest-free period with cashless pay and purchases in online stores and offline offer installments' maps up to 12 months. Alternatively, you can simply place a purchase on credit - many shops offer similar shares "0% per year." But it is not better instead of spending time on the signing of the Agreement every time - once this free installment card once and buy on it. Yes, and instead of a dozen payments for different dates, you will have one convenient extract with the repayment of installments once a month. Here are 2 best cards.

Card installments Halva from Sovcombank

• Credit limit: up to 350,000;
• Grace period without%: up to 12 months;
• Monthly payments: from 8.3%;
• Interest rate: 0.1% per day;
• Service: free.

One card is interest-free installments up to 1 year in 30,000 stores throughout Russia. It works simply: you buy on the map within your credit limit, extinguish according to the discharge in the Personal Account on time - and do not pay extra money. It is issued from 20 years in any branch of the bank.

Annual Card Service, Internet Bank and SMS Informing are free.

Free map freedom from home loan

• Credit limit: up to 300,000;
• Grace period without%: 3-12 months;
• Monthly payments: 8.33% -33.33%;
• Interest rate: from 17.9% per annum;
• Service for free.

The main advantage and difference of the Freedom card home loan is that you can make purchases everywhere where you can pay a credit card - in any stores, and not just in the "partnerships". The disadvantage is only 3 months for paying things in any stores, except for the bank partner stores. You can get it .

Installment card conscience from QIWI Bank

• Credit limit: from 5,000 to 300,000;
• The grace period without%: 1-12 months;
• Monthly payments: from 8.3%;
• Interest rate: 10% per annum;
• Service: free.

A similar map of installments from Kiwi Bank - conscience. Also free, all that is possible, including maintenance, SMS information, mobile application and Internet personal account.

I bought it now - I paid later. All for free and without hidden commissions.

It works exactly too: you choose a product in 22,000 partner stores, buy on the map and extinguish on the term divided into several parts of the amount of debt, and do not pay any percent. Give it from 18 years in any salon "connected" only on the passport.

We hope that you managed to choose a suitable way to buy on credit or get a loan without overpaying, saving your money. By the way, you can even earn - buying on a credit card while your money is on the deposit or savings account at interest.

All by banks offered options are distinguished both with additional lending conditions and a credit limit. A competitive advantage is the Halva card, manufactured by PJSC "Sovcombank": on plastic you can store your own funds, getting profit from this (on the residue is charged from 7 to 8.25% per annum). Paying for personal means you can count on cachex in 1.5%.

If you judge the interest rate, which is used in case of delay in payment, then a more advantageous option is considered to be "conscience" from Kiwi Bank and # namstodeg from Alpha Bank. The percentage of overpayment will be 10% per annum, while on plastic from Home Credit Bank Interest rate is 29.8%.

Popular installments

Installation map # Wamstodeg from Alpha Bank

The cost of each purchase is distributed to equal parts for installments. The day of the monthly payment corresponds to the day receipt of the card. The first purchase payment cannot be written earlier than 30 days later.

The whole world in installments, on the map # Wamstodeg can be bought in installments in any stores around the world. Duration of installments from partners up to 24 months, in other stores - 4 months.

Main characteristics

• rate from 0% to 10%
• credit limit up to 100 000 ₽
• grace period up to 730 days
• release fee - 0 rub.
• ability to place a map of installments # Wamstodeg online
• Take a map everywhere, even abroad!

The undoubted advantage of the card # namstodeg is free release and service of the first year, as well as the fact that the card is taken absolutely everywhere, even abroad.
Place a map of installments now →

Installation map from bank home loan

The main features of the cards from Home Credit Bank:

• the period of return of debt when purchases in ordinary stores - 3 months;
• the term of interest-free use of money when paying for goods, services in the affiliate network - up to 12 months;
• limit from 10,000 to 300,000 rubles is established individually for each client;
• payment scheme: The cost of all goods paid within one month is divided into equal parts, which are repaid monthly according to the established schedule;
• allowed to return debt ahead of schedule;
• for the delay in payment, installments goes into the status of a regular loan (until a complete debt repayment) with a percentage rate of 29.8% per annum;
• ban for cash withdrawals.

Instant payment with the Halva card of Sovcombank

The program of interest-free use of the credit limit applies only to purchases in the stores of an affiliate network. Terms of use of plastic:

• lending limit - up to 350000 rubles (renewable credit limit);
• interest-free installments up to 1 year;
• free issuance.

Analyzing the installments offered by banks by banks, choosing which better, note that the Khalva card you can pay for purchases, both own agents and borrowed. In addition, Sovcombank accrues Cashback - 1.5% (but no more than 5,000 rubles per month) for paying goods by its own means in the affiliate network.

A little about the stores of partner maps installments

Installation cards differ from credit that they take them only in partner stores (except for the home credit card and # seeded - they can pay with installments from 3 months everywhere), i.e. Banks conclude agreements with enterprises in which their plastic owners will be able to make purchases in installments without overpayment. Each partner has its own conditions by installments. Each Bank has its own network of partner stores, but the main partners are the same. As a rule, these are large network stores. Local partners can be added to each individual region. You should not be upset about the fact that you can calculate the installment card only from partners. The affiliate network is quite extensive and has several tens of thousands of shops, where you can pay the card. And this network is constantly growing, new partners appear regularly.

conclusions

Having considered the possibility of using installment maps, one can safely say that this is a new and quite promising method for calculating goods and services. In the near future, many proposals from different banks will appear. At the moment, the cards offer four banks:

1. Home Credit Bank LLC - Installation Map Houm Credit
2. Kiwi Bank JSC - installment card conscience
3. Alfa Bank JSC - installment map # namstodeg
4. PJSC "Sovcombank" - the installment map of Halva

These cards offer fair installments without hidden commissions and payments. The main thing is not to be overwhelmed by payments and on time to replenish the bill account.

Installment is a profitable banking product, which for the prescribed period allows you to be obsessed with borrowed funds. Usually they are provided to buy various goods and services. The system will automatically divide the payment on equal parts and will allow the borrower without overpayment to pay off the loan.

Credit cards with installments for one year

Get a profitable limit easily. To do this, it is necessary to choose a suitable loan product from the following banks that provide installments:

• Kiwi bank.
• Home Credit.
• Sovcombank.

Each of them has the conditions for release and tariffs that allow beneficial to acquire not only products or dining in the restaurant, but also to buy expensive technique. Maps have advanced limits, up to 350 thousand rubles and a large installment time up to 12 months, which, with such a use profile, it may be much more profitable for a regular credit card.

Conscience Kiwi Bank

Map "Conscience" - a new product that has a profitable annual interest rate. If a customer for personal reasons did not pay the established part by installments in the scheduled term, a rate of 10% from the amount of debt per year will be set to the residue.

Additionally, the following conditions apply on the map:

1. service and SMS informing for free;
2. limit installments up to 300 thousand rubles;
3. installments from 1 to 12 months;
4. there is no possibility of cash removal;
5. there are no penalties for early repayment.

After full payment by installments, the credit limit is resumed. It is worth noting that several goods can be purchased on the established amount. Then the payment schedule will be designed for each position, and the final payments will be summed a month.

Installment map Home Credit

At Home Credit Bank installments can be taken by placing an application on the site. The following conditions apply to the loan product:

1. installments up to 12 months;
2. limit up to 300 thousand rubles;
3. the installed rate per year is 29.8%;
4. SMS-informing - 0 rubles.

The card can be reissued at the client initiative if it is lost or damaged. For this it will be necessary to pay a penalty in the amount of 200 rubles. If the replacement occurs at the initiative of the bank, the reissue cost will be 0 rubles.

"Halva" Sovcombank

The installment map of Halva represents the following tariff plan for use:

1. masterCard World map type;
2. the absence of a commission for early paying debt;
3. the maximum amount of installments of 350 thousand rubles;
4. the maximum installment period is 12 months;
5. SMS-informing for free;

Users Maps "Halva" from Sovkombank in the Personal Account will be able to see detailed information about each product acquired by installments. The system automatically generates all purchases and shares their cost to equal parts depending on the maturity of the debt.

How to get the maximum installment pay?

In order to get the maximum installment time in 1 year, it is necessary to monitor the conditions that the creditor bank places on the site. Such a lending program for up to 12 months is valid for the Bank's partners. In the Personal Account and in the application, or the site displays information about all stores and institutions for which the preferential program is valid. Depending on the seller, installments are provided for a period of 4 to 12 months.

After making in such places, the system will automatically distribute payments for the amount of acquisition in the period established by the promotion.