How to earn on purchases in installments

What is an installment plan

Installment plan - a financial instrument. It allows you to buy at the expense of the bank and pay interest on the loan: you borrow money, but are giving as much taken in equal installments over several months.

Due installment can buy goods on the shares, discounts special offers when it really is beneficial, but not when you have accumulated the required amount or got paid. More installments will be way before the new year to buy all the cool gifts and not go broke.

Hidden bonus installment - the ability to earn or improve credit history. Banks look at it when you take a loan.

The better the credit history, the more likely that the percentage of the loan or mortgage will be lower.

Traditionally installments can be issued in the store during the time of purchase, but such services have a substantial negative - usually the buyer to impose a paid insurance. With it, you still overpay, even if your credit is not.

If you use the card installments, this does not happen. One of these -

card installments "Halva". On it you can not pay for insurance and earn keshbeke and interest on the balance.

How does the card installments

This is a common payment card, but the bank's money in the account. It is not necessary to draw on every purchase: The bank approves the application once and produces a card with a certain limit. She can pay for purchases in stores only the partner bank, so when choosing a card is important to pay attention to the list of partners. If they are small, the card is likely to be unprofitable: there will have to buy, where they take the card, rather than where the lower price.

Card installments "Halva" take more than 140 thousand stores across Russia - not only large national chains, but also grocery stores, gas stations, pharmacies, cafes and restaurants.

The maximum limit for the card "Halva" - 350 thousand rubles. Paying with, your use of the bank's money and return them gradually in equal installments. Duration of installments depends on the store and the purchase price; it may be one month, six months or even a year. On all purchases more expensive 3500 rubles a minimum term of payment by check - four months. If you have purchased something very precious life can be increased to three years.

Example. In December, you bought all the cool gifts: smartphone Huawei Honor 7C for 11 thousand rubles, a fitness bracelet Xiaomi Mi Band 3 for 2000, geyser coffee maker for 1.5 thousand and two children sweet gifts - even a thousand rubles. We paid for it 15,5 thousand rubles on the map "Halva". In January, February, March and April to make a map for 3875 rubles. That's it - you paid the purchase amount and nothing more should not be.

Hire purchase does not mean overpayments if to make payments on time, then you give the bank as much as the cost thing. From the buyer's point of view, it looks suspicious. From a business perspective it's all right: still the bank pays interest on your purchase, like a loan. But they do not pay you, and the shops - so retail chains attract customers, and the bank gets the money.

How to make a payment by installments map

Keshbek

Keshbek - a bank fee for your purchase. For purchases in installments on the map "Halva" in the first month after registration of acts welcome keshbek 5%. To get it, you need to pay for the purchase of a smartphone - through the Android Pay, Apple Pay or Samsung Pay.

Example. You bought gifts for the New Year "Halve" and paid smartphone 15.5 thousand rubles. Of the amount of this purchase you will return 5%, that is 775 rubles. They can be used to repay part of the payment - will return not the 15 500 and 14 725 rubles.

This is not the only way to make money. "Halva", you can not buy in installments and at his own expense. Refreshing the map in the application or the cash and pay them, and not the bank's money. For this, too, will keshbek. The first four months it is:

• 12% when paying with a smartphone in stores-partners.
• 3% when paying for a smartphone, but not in partner stores.
• 3% if you buy in the partner stores, but the pay card and not a smartphone.
• 1%, if you do not buy in partner stores and pay card.

After four months keshbek decreased 6% when paying with your smartphone and 2% when paying by card in partner stores2% when you pay with a smartphone and 1% when paying by card - for shopping at stores not the partner bank.

Increased keshbek can be obtained and after four months of use. To do this, you need to make purchases from 10 to 50 thousand rubles per month. More map a special offer "Favorite Buy": every six months, you can return 35% of the value of the goods.

The percentage of the remainder

Map installments can keep their money - they will be charged 6% per annum. It is easier to deposit in the bank, because the funds from the account can be removed at any time. The percentage of charging, you need to make at least one purchase per month on the card for any sum. Map captures the account balance and remembers how much money you owe the bank. At the end of the month, accrued interest credited to the account. Take their money with "halva" can be no commission at any ATM.

Interest on the balance can be increased up to 7.5% per annum, if you make it on the map at least five purchases at 10 thousand rubles per month. It can be buying not only your score, but also due installments.

Keshbek and interest on the balance - the main feature of "halva". Map earn money and give them a loan without interest. Even if you have the means to purchase, you can use the card installments due keshbeka, interest on the balance, and special offers that are valid for card holders "Halva".

Make a map