Our needs are growing a little faster than our capabilities. Many of us today can not afford to come to the store and immediately buy all case furniture for the apartment.
In order not to force the buyer for a long time to save for a purchase or buy furniture on one item, such concepts as “credit” and “installment plan” became popular.
The loan is a loan that issues an enterprise or bank for any purpose (buying an apartment, car, payment of a child’s study at a university, etc.D.) You, receiving money, undertake to return the amount received plus the percentage for the use of money. As a rule, in order to receive the required amount, it is necessary to provide a number of certificates: about the composition of the family and on income for the last three months. After the provision of documents, they will be taken for consideration and in the near future specialists will contact you. It should also be added that when issuing a loan, the bank will ask you to bring a guarantor. A guarantor is a person to whom your debt is transferred in case of non-payment of funds (or delay in payment) for any reason. Today it is possible to get a cash loan without references and guarantors. This service is not available in all banks and not for all categories of citizens.
Installment payment in equal installments. The seller divides the amount you have to pay for a certain number of months (according to the contract). As a rule, this is from three months to six months. The benefits are based on the fact that there are no guarantors, no interest is charged for the use of funds.
Both the credit form of payment and payment in installments help the buyer to make a purchase. It is not known how much time we would have saved for a new nursery, and so – a few simple operations – and it already pleases our children. Before watching with the purchase, think.
