Buying a laptop on credit has its own characteristics and differences from the usual purchase procedure. Very often, you can get a loan for equipment right in the store, if there are representatives of banks or sellers have the right to issue a loan on behalf of a credit institution.
Necessary
- - the passport;
- - a copy of the work book;
- - certificate of income (the list of documents varies depending on the requirements of the credit institution).
Instructions
Step 1
Decide on the choice of the purchased laptop model in accordance with its future use - work, training, games, etc. Browse the price lists of several vendors of computer equipment, check out all the promotions and discounts provided.
Step 2
In the store, familiarize yourself with the selected product, listen to the recommendations of the sellers. You will then be referred to a credit counselor, so bring the required documents with you. A list of them can be found on the official websites of banks.
Step 3
Apply for a laptop loan and wait for the bank employee to receive a response from the system. This procedure usually takes no more than 20 minutes. Please note that your application has little chance if you have poor credit history, work experience of less than six months, your age is less than 21, etc.
Step 4
If the store has several representatives from different banks, fill out an application with them, as this not only increases the chances of obtaining a loan, but also gives you the opportunity to choose the most optimal conditions for obtaining it. Most of the applications are processed by the system. Keep in mind that if you are refused, then in many banks you can apply for a loan only after a certain amount of time. Also, an important role is played by a conversation with a credit counselor, be extremely polite with him.
Step 5
If your application is approved, conclude an agreement with the bank and then, with the available documents, complete the payment for the purchase of a laptop at the checkout. If a laptop breaks down during the warranty period and you need not just repair, but a refund (exchange of goods is also considered a refund), the seller is obliged to return the entire amount paid in full.
Step 6
If you have access to the Internet, go through the online purchase requisition process to simply find out if it will be approved and what the conditions for using the loan will be. To do this, simply find the appropriate item in the bank's website menu, enter the data and see the result.
