Many people have been actively using the services of banks for a long time. These include the so-called consumer loans. If you want to get a loan for a personal computer, then consider a number of important factors.
Instructions
Step 1
To get started, study the offers of various banks. Usually in each store there are 3-4 representatives of different companies. Determine the right loan scheme for yourself. Some banks offer to purchase goods "by installments". This system has its own advantages, since excludes overpayment for the goods. But it also has a significant drawback.
Step 2
The installment plan is issued by creating an artificial discount for the goods, which is 7-8%. If you return the computer in the event of a breakdown, the amount of financial compensation will be the price of the item, taking into account this discount. Now proceed with choosing a computer.
Step 3
Determine for yourself the ideal characteristics of this device. It is better to refuse to purchase a product that is too expensive. Don't go for the newly arrived models. Most often, they are much more expensive without having significant advantages.
Step 4
If possible, purchase accessories and components separately. There is no point in overpaying for a keyboard, mouse and speaker. It is better to purchase these items separately. This will significantly reduce the amount of your monthly payment.
Step 5
Try to opt out of additional services provided by stores. In this case, we are talking about additional warranty and software installation. If you consider these services necessary for you, then it is better to wait for a while, having accumulated the necessary amount to pay for them. Practice shows that when buying a computer with a full set of accessories and additional services, the cost of the PC itself is approximately 70-75%. Those. the amount of your monthly payment will be much less if you issue a loan only for the system unit and monitor.
Step 6
If you are applying for an installment plan, then select the longest possible loan repayment period, for example, 2 or 3 years. You can always carry out early repayment of debt, and this approach will always allow you to pay a small amount on time.
