Why are we afraid of installments: dismantle Top 5 Fears

The loan, for which it is not necessary to pay the interest, it seems suspicious. We check how justified concerns with the card installments "Halva».

1. Installment unprofitable stores, which means that there some trick

In fact: installment helps shops to sell more goods.

It seems that installment only benefit the buyer, and this is not in the trade. To understand the motivation of shops, consider the mechanism of payment by installments.

When buying on the installment plan you sign two agreements: the purchase and sale with the store and the credit with the bank. Leasing conditions spelled out in the latter, and the mechanism is similar to a conventional loan. That's just the interest on it instead of you pays to shop, and you actually get a discount in the amount of such interest.

Ability to pay for the purchase of parts is convenient for many, so shop earns that sells more merchandise. And it remains in the black even after paying interest to the bank.

2. To sell goods in installments, shops raise its price

In fact: this is really happening.

Some stores offer credit, more like a loan. The seller takes a bank loan and interest on it adds to the price of goods. It turns out that for the bank's services are paid by the buyer. To avoid this, choose stores with transparent pricing, and carefully read the contract: it must be written, of which price develops.

To eliminate the risk of overpayment, buy in installments on the map "Halva". With it, you can choose which goods to pay the installments. The price remains the same as when you pay with any card.

Order card "Halva"

3. If time does not pay, he will pay a fine

In fact: That's right, pay for purchases in installments need time.

For any bills to pay on time - even for unpaid utilities incur interest. Delay payments on installment also punished with penalty interest. In order not to lose money, plan your expenses and objectively assessable income. Installment may well help out when the thing needed urgently, and to pay more per month. But do not use the installment plan, to indulge all momentary desires.

4. The installments offer that bad buy

In fact: you can choose what to buy in installments.

Some stores do offer installment goods with low demand. But now the competition among sellers in any field is high. Before you buy something, find out what other offers on the market. Besides installments give and expensive items that everyone wants, but not all can afford at once, such as new smart phones. Sellers difficult to give a discount on these things, so they entice buyers low installments.

In order not to depend on the seller making use card installments. So you will be able to buy any goods on credit in partner stores. The card "halva" more than 140,000 partners all over Russia - you can pay it in machinery, building materials, clothing, home furnishings and more. In addition, for the holders of this card shops-partners organize their own promotions and discounts.

5. It is necessary to make out a lot of paperwork

In fact: you can arrange a time card installments.

Installment - a long-term financial relations, which must be confirmed documents: contracts with the store and the bank. For their design definitely need a passport, some sellers ask for a certificate of employment or bank. Before you sign a document, look closely at the terms and amount of payments, the presence or lack of insurance and its cost, penalties for non-payment and the conditions of the goods return to the marriage.

Not to sign documents with the store for each purchase, get a card installments "Halva" - with her you contract once. With this card you can buy in installments in partner stores and do the usual shopping. Holders of "halva" get keshbek with purchases and interest on the balance on the map.

From the map "Halva", you can withdraw cash at any ATM. Issuance and free maps service.

Order card "Halva"