Installment plan in Euroset: terms and conditions and reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Today, consumers prefer to purchase goods with the ability to pay in installments. Along with large hypermarkets, there are communication stores where you can buy equipment. For example, you can buy an expensive phone and pay no more than a few thousand rubles a month.

Let's consider the terms of the installment plan in Euroset and the features of its design. But first, it’s worth clarifying what is more profitable: the usual loan or the ability to make monthly payments. How are these methods of buying mobile phones different?

Which is better: installment or credit

If you get a standard loan, then in this case, as a rule, the overpayment will be higher. When paying by installments, goods with a total value of more than 3,000 rubles are available to customers. After that, an agreement is drawn up with the bank, which is a partner of the communication salon. As a rule, then the buyer can pay the purchase amount over a fairly long period: from 6 months to 3 years.

The installment plan is an interest-free loan. Clientwill also cooperate with a bank that is ready to deposit money in favor of a particular product with installments. In this case, the purchase price is divided by the crediting period. Interest may be, but they are usually minimal.

Euroset installment terms may differ depending on the specific financial institution that issues funds for the purchase. Today, this mobile phone salon cooperates with the largest banks. Consider the features of their conditions and offers from Euroset.

Home Credit Bank

In this case, the installment terms in Euroset on the phone are quite flexible. The client can repay the loan in 10 months, 2 or 3 years. You don't need to make a down payment. The total cost can include not only the smartphone itself, but also accessories for it, services or additional paid software.

But here, according to the terms of the installment plan in Euroset, the purchase price must be at least 1.5 thousand rubles, but not more than 80,000 rubles. If we talk about the commission, then it is practically reduced to zero. For example, when buying a phone under the “0-0-10” conditions, you need to pay the entire cost of the goods in 10 months. The standard overpayment in this case should be about 28%, but due to the fact that the seller makes a discount on the goods, no commission will have to be paid.

If you apply for a loan under the conditions of "0-0-24", then the payments will stretch for 2 years. The bank itself in this case gives money at a rate of 18.83%, and the seller - a discount of 17.5%. Accordingly, the overpayment willpractically invisible. If you buy a product with an installment plan for 36 months, then the overpayment will be 16.6%, taking into account the discount from Euroset.

However, if you study in detail the installment terms for Euroset smartphones, you should pay attention that such a program does not apply to all models, but only to some products from Samsung, ZTE or Sony. The list should be clarified before buying.

Post Bank

Considering the terms of installments in Euroset, you should pay attention to the fact that the mobile phone salon also cooperates with this institution. In this case, there are three programs. According to the first, the goods are provided in installments for 12 months without a down payment. Combined interest. This means that the first 3 months the overpayment is 46%, and the next - 7.5%. However, the seller provides a discount, which is equal to 12%.

Installment terms 0-0-24 "Euroset" are relevant only for Samsung phones. The client can repay the entire amount of the goods for 2 years. In this case, the overpayment will be minimal. The bank itself will take a commission of 8.14%, and the store will provide a discount of 8%.

It is also possible to get an installment plan for 36 months. In this case, the annual rate will be from 7.5 to 16.5%, and the discount of the mobile phone store will be 12%.

OTP Bank

In cooperation with this financial institution, the terms of installments in Euroset will be more diverse. 4 programs are provided at once. They do not require an initial payment.

For example,you can get the goods in installments for 10 months. In this case, the initial cost will be reduced by 12%, and the overpayment will be only 28.7%. When signing a contract for 1 year, the discount for a cell phone is the same, but the commission increases slightly.

When buying with payments for 24 months, the original cost of the goods is reduced by 16.5%. The commission is 34.4%. It is also possible to get a phone in installments for 3 years. The seller's discount in such a situation reaches 16.5%.

It is also worth considering that such programs are flexible conditions. For example, a client can immediately pay 50% of the cost of the goods, then the final overpayment will decrease even more.

However, if you are interested in the terms of installment plans in Euroset for iPhone, then this option will not work. OTP Bank provides loans only for Meizu and Samsung products. If you want to get exactly the iPhone, then it is recommended to consider the following financial institution.

Alfa-Bank

This is perhaps the only partner of a mobile phone salon who is ready to provide its services for any product. But in this case, we are talking about a target loan, and not about installments. Nevertheless, the bank's offers are quite profitable.

Standard loan is provided for 6-24 months with an overpayment of 27-36%. The amount of the commission depends on whether the initial payment is made or not.

Who can be granted installment plan

If we talk about the conditions and registration of installments in Euroset, then they are standard. The borrower must have a civil passport in his hands, which will act as the main identity document. You will also need a driver's license, a pension certificate, a foreign passport or SNILS. However, if cooperation is planned with Post Bank, then a second document is not needed, a passport is enough.

Another condition is that the client of a banking institution must be registered in the Russian Federation. If we are talking about Home Credit Bank, then the borrower must live in the region where the bank branch is located.

Installments are available only to those who have reached the age of majority. You cannot get a loan for people over 70 years of age. Also, most banks require proof of their solvency. To do this, you need to provide a work book with the appropriate entry.

When concluding a contract, you must specify the correct data. A bank employee, if necessary, should be able to contact the borrower. In some financial institutions, a prerequisite is the provision of a phone number of relatives or other persons who can be called by representatives of the financial institution if the client does not pick up the phone.

Experience and income

Not all banking structures are interested in this. Most loans are small, so the conditions are not as strict as when obtaining large loans. Nevertheless, in order to draw up an agreement with Home Credit Bank, you need to confirm that the client has been working in one place for more than 3 months. In this case, the income of the borrower must be at least6,000 rubles (in some cases, this figure can be increased to 10,000 rubles).

Other organizations are not so demanding. This is another plus of installments.

Important to know

There are several recommendations that can be called general for any transactions with financial institutions. For example, you need to understand that an employee of a mobile phone salon is only involved in filling out an application to the bank. If the manager of a financial institution changes the terms of the transaction and raises the annual rate, then he must notify the borrower about this. Only after agreeing on all the conditions, you can sign the contract.

If the client decides to pay the full amount ahead of time or, on the contrary, delays with payments, then the store's discount is also recalculated. It is important to take this into account so that later you will not be surprised by large overpayments, etc.

Reviews on the Euroset installment plan for phones and conditions

Mostly, customers are satisfied with the possibility that the goods can be purchased on favorable terms and not save up the entire amount to buy an expensive phone. It is convenient, and the interest is not so high. Also, many advise immediately include additional accessories in installments. This will not greatly increase the cost of the purchase and save you from future expenses.

If we talk about the cons, then, as a rule, the only thing that causes dissatisfaction is that many banks offer such services only for certain models of phones or other equipment. Also, when drawing up a contract, many are advised to clarify, notDoes it include insurance products? It is better to refuse them so that the final amount of the overpayment does not increase. Since the contracts are standard, such services are included in them by default. However, this does not mean that they cannot be excluded.

In all other respects, customers of mobile phone stores are satisfied with such acquisitions. Monthly payments allow you to make the purchase not so significant for the budget. Therefore, the financial condition of customers does not suffer much.

Conclusion

When signing any loan agreement, you need to carefully study all its conditions and each item separately. Sometimes the documents indicate additional options that can be disabled if the client wishes. It makes no sense to overpay for unnecessary services. For example, when buying a phone, there is absolutely no need for additional insurance. It is only beneficial for large loans.