In our online store you can make an online purchase on credit or in installments for an amount from 3,000 to 500,000 rubles. In this case, you do not need to visit our store or bank branch. To apply for a loan, you do not need to look for guarantors and collect a lot of documents confirming your income. It is enough to have only one document: a passport of a citizen of the Russian Federation.
Terms of loan/installment plan:
- Loan amount - from 3,000 rubles to 500,000 rubles;
- The loan is provided for a period from 3 months to 3 years;
- For registration you only need a passport of a citizen of the Russian Federation;
- The minimum age of the borrower is 18 years;
- Availability of a permanent source of income (work, pension).
How to buy on credit?
- Select the required product in the store and go to the “Cart” to place your order;
- When placing an order through the website, fill out the standard order form (full name, phone number, E-mail, date of birth) and in the comments, indicate your wish to purchase the product “On credit” / “Instalments”/;
- When placing an order by phone, inform the manager about your desire to purchase the product “On credit” / “Instalments”/;
- After this, a credit specialist will contact you for further questioning and sending an application to partner banks;
- If the bank approves your application, the loan specialist will agree with you on the time and place of signing the loan agreement;
- When signing the contract, you must provide the original and a copy of your passport (page spread with photo and page page with valid registration); If you are unable to provide copies of documents, the loan specialist will take photographs from the original documents.
- After signing the loan agreement, we will deliver your purchase to you.
Banks providing lending programs.
Home Credit and Finance Bank LLC | OJSC KB "Vostochny"
General license of the Bank of Russia No. 1460 dated July 16, 2012. |
LLC CB "Renaissance Credit" Bank of Russia licenses for banking operations No. 3354 | OJSC Alfa-Bank
|
JSC Tinkoff Bank
Licenses of the Central Bank of the Russian Federation for banking operations No. 2673 |
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Methods of loan repayment.
To repay the loan, you can choose any method convenient for you throughout the Russian Federation:
1. At bank branches and additional offices (ATMs);
2. At Russian Post offices;
3. Payment system "ELEXNET". A fee will be charged upon payment. Check the commission amount in advance;
4. Payment network "RAPIDA". A fee will be charged upon payment. Check the commission amount in advance;
5. Payment network "QIWI". A fee will be charged upon payment. Check the commission amount in advance.
6. Interbank transfer. The amount of the next loan payment can be simply transferred. To do this, you need to contact any nearest bank and arrange a regular bank transfer. The size of the commission should be clarified before making the transfer;
7. Accounting of the organization in which the client works. The accounting department of the company where the borrower works can transfer loan payments. To do this, just fill out and submit to the accounting department an application for a monthly transfer of funds from your salary. Payments will be made every month on a certain day. The employee will only need to control this process;
8. Using Internet Banking;
Our partner banks have no commission for early loan repayment!!!
Advantages of buying on credit.
- The ability not to postpone the purchase until tomorrow;
- Payment for goods at a time convenient for you;
- The opportunity to purchase the product you like without a down payment;
- Early loan repayment without commission;
- Applying for loans to pensioners.
... and all this without leaving home!
Purchase by installments
In our store you can get a loan without overpayment - in installments. The procedure for applying for an installment plan is similar to applying for a loan.
Purchasing with an installment card Conscience
The Conscience card allows you to pay in installments for 3 months for goods in the Furniture Ya online store.
Payment by Sovest card is accepted in the office through a terminal and via an online account.
In all honesty it's simple
0 rub.- card issue and maintenance
0% - purchases without down payment and overpayments
0 rub. - SMS information and online banking
220+ partners all around Russia
You apply for a card once and buy in installments at any time without interest or overpayments.
Where can I get the Conscience card?
Order an installment card on the website or apply for it at the nearest Svyaznoy store.
Issues the card QIWI Bank (JSC), license of the Central Bank of the Russian Federation No. 2241.
Purchase with Halva installment card
Purchases without overpayments, commissions and even a down payment?
Certainly! If you already have Halva.
WITH Halva You no longer have to put off shopping until payday or fill out a bunch of paperwork to get a store credit.
Halva is an approved and always available funds limit. The amount of your purchases is divided by the number of months in installments.
In our online store you can purchase goods on the Halva card in installments up to 3 months. Buy when you need it and pay once a month without paying interest!
You can apply for a card and get detailed information on the card on the website halvacard.ru
Availability of goods and the possibility of ordering in installments, please check with our managers.
There’s always not enough money, you can’t earn all the money, and so on and so forth. But you finally want to change the decor in your home - get rid of the boring worn-out sofa, throw out the old scary closet, worn out chairs, finally replace the bloated kitchen with a new, shiny and fresh-smelling one! Fortunately, nowadays everyone has such an opportunity - you can afford any furniture you want. Stop envying your neighbors and friends - update your interior and please yourself and your loved ones!
Terms of loans for the purchase of furniture
Consumer loan- almost the most common among the population. The essence of such a loan is that the bank issues a loan to the consumer for current expenses. That is, the terms of the loan agreement specify the subject of the loan on which you want to spend the money, and the loan is considered targeted. Most often, such loans are issued at the store where you want to purchase the product. You can get one like this from us loan online!
Regarding interest rates- they are different in different banks. As a rule, they are the highest for express loans. It is worth considering that in addition to interest on the loan, a 5% commission is also charged for processing documents, withdrawing and transferring funds. That is this 5% saves you from having to go to the bank and collect all the certificates.
Typically, consumer loans are provided for a period from 3 months to 6 years, amounts from 10,000 rubles to 250,000 rubles. The maximum loan amount depends on your monthly income.
Typical conditions for obtaining a loan to purchase furniture in our store
What do I need to do to buy furniture on credit?
Please read the agreement carefully before taking out a loan to buy furniture - no matter how tedious and time-consuming it may be. Review all the points, especially the small print, and if some points are not clear, check with the manager. No one will deceive you, however, you may miss something due to ignorance of the conditions. Pay special attention to fees and interest, loan repayment terms and penalties. There is no need to be shy, feel free to ask questions to the consultant - after all, you are managing your own, honestly earned money. The manager's job is to help you!
In general, buying furniture on credit is very easy and fast!
Without certificates and guarantors.
Without going to the bank - wait for the manager at home!
Approval within an hour. Maximum - until the end of the day when the application was received.
Loan amount up to 250,000 rubles!
Possibility of free early repayment!
You can buy several goods on credit at once; there is no need to register each one separately.
You can get a loan in any region of Russia -.
You can get a loan from one of 5 partner banks: Home Credit Bank, Otkritie Bank, Renaissance Credit, Summer Bank, Oriental Express Bank, Metro Bank. The list of partner banks is constantly expanding and the likelihood of getting a loan from one of these banks is quite high.
After completing the loan agreement, a representative of our store will contact you and agree on the time of delivery of the goods.
Do you want to buy furniture, but don't have enough money?
Don't have time to spend a lot of time shopping and going to banks?
You have made the right choice by visiting our website.
Buying on credit or by installments will not take you much time, without leaving your home or office.
We have the most qualified operators, competent loan specialists and fast courier delivery.
To apply for a loan or installment plan, you do not need to collect many documents; it is enough to have only one: a passport of a citizen of the Russian Federation. In this case, you do not need to visit our stores or bank branches.
Conditions for providing installment / loan
- Loan amount - from 1,500 rubles to 500,000 rubles;
- The loan is provided for a period from 3 months to 36 months;
- A loan for furniture can be obtained without a down payment;
- Possibility of early repayment at any loan term;
- We provide the opportunity to obtain a loan for pensioners;
- For registration you only need a passport of a citizen of the Russian Federation;
- The minimum age of the borrower is 18 years;
- Availability of a permanent source of income (work, pension).
How to easily buy in installments or on credit on the website
- 1
select the required product in the online store and go to the “Cart” to place your order;
- 2
select "Place an order" and in the payment method select "Instalment/Credit". The Installment offer does not apply to products with any types of discounts.
- 3
click "Order"
- 4
The online store manager will contact you to coordinate your order;
- 5
after that, a credit specialist will call you to clarify the details of the questionnaire and send the application to partner banks;
- 6
If the bank approves your application, the loan specialist will agree with you on the time and place of signing the loan agreement;
- 7
When signing the contract, you must provide the original and a copy of your passport (page spread with photo and page page with valid registration). If you are unable to provide copies of documents, the loan specialist will take photographs from the original documents;
- 8
after signing the loan agreement, we will deliver your purchase to you.
Our partner banks
Registration of loans from Russian Standard Bank JSC and Rusfinance Bank LLC is available only in the online store of the Moscow region.
Installment/loan repayment methods
To repay the loan, you can choose any method convenient for you throughout the Russian Federation:
- At bank branches and additional offices (ATMs);
- Payment system "ELEXNET".
- Payment network "RAPIDA". A fee will be charged upon payment. Check the commission amount in advance;
- Interbank transfer. The amount of the next loan payment can be simply transferred. To do this, you need to contact any nearest bank and arrange a regular bank transfer. The size of the commission should be clarified before making the transfer;
- Accounting of the organization in which you work. The accounting department of the company where the borrower works can transfer loan payments. To do this, just fill out and submit to the accounting department an application for a monthly transfer of funds from your salary. Payments will be made every month on a certain day. The employee will only need to control this process;
- Using Internet Banking;
PayLate service - trust payment
Making a purchase on credit online without signing a paper version of the loan agreement, as well as an interest-free grace period for 120 days.
A contract is signed on paper with the client after the purchase has been made and funds have been transferred to the trading organization.
Conditions:
- Borrower age 18-65 years
- Possible registration for non-working pensioners (limit up to RUB 30,000)
- Limits from 3,000 to 150,000 rubles
- Loan term up to 12 months with the possibility of early repayment at any term
I would like to write about the Engels branch of the Mnogo Mebeli chain of stores.
We decided to buy a sofa. We went around a lot of shops, there was no particular goal, I wanted something convenient. We went to the Mercury shopping center on Telman 26. Several companies are represented there, including MM. I can’t say anything about the other companies, because when we sat down on our now sofa, we didn’t go any further, Moreover, we have already visited quite a few salons.
I’ll write about the sofa itself separately, now about the interior.
A nice guy patiently and politely walked around all the sofas with us, answered all our questions competently - who is the manufacturer, what is it made of, how does it unfold, how much does it cost, showed samples of fabrics and leather...
When we decided on a sofa, we were offered these payment options - either we pay the price in full, and then we will get a discount (something about 6%), or we take out a sofa on an “interest-free” loan from Alfa Bank, and we will not get a discount do.
The sofa and armchair cost 70,000 without a discount; we didn’t plan to give that amount right away. That's why we took out a loan. In the payment slip they wrote to us that the sofa costs 65,000, but we took 70,000 from the bank, i.e. the loan cost us 6% and kopecks for 12 months.
(There are no interest-free loans!)
We agreed to this and did not expect miracles, since we ourselves once worked in a bank, we know what “no interest” means.
When we agreed on delivery, we were told that the company does not deliver and that third-party companies will be involved. Or free pickup.
The sofa and armchair are huge, there was no talk of any take-out.
They said that the chosen model was not in stock, so you would have to wait up to a month (!), but this is a last resort, this almost never happens, they are usually delivered within a week or two.
We had to wait 2 weeks. Keep in mind that if your doorways do not meet certain dimensions (at least 90 cm doorway, no more than 30 cm wall thickness), then you will have to pay additionally for disassembling and assembling the furniture. Of course, nothing matched ours (85 and 50 cm), so the delivery cost us RUB 2,850. This involves climbing to the 2nd floor, assembly and disassembly.
We asked the person who collected it about the quality of the furniture. They answered verbatim: “This one is normal. Good leather, solid plywood.” They asked - what is bad? (quality)? Answer: "Hmm! Of course!"
In the end, I note that we were pleased with the sofa and armchair; there is a slight difference in color between the sofa and the armchair, almost unnoticeable.
We are happy with the purchase and the store too. Although for many it will be an unpleasant surprise the cost of delivery, the “interest-free” loan, and the fact that the collector said “poor quality can happen”
The manufacturer of our leather sofa and chair is Saratov Furniture Factory.
If you urgently need to purchase furniture, but do not have the required amount on hand, use installments.
Understanding the terms
Consumers often confuse two concepts - installment plan and credit. Clever sellers take advantage of this by substituting concepts. Let's see how these two methods of selling a product differ.
Installment plan
The seller independently decides on the terms of the installment plan:
- the amount of the down payment - in this case it is called an advance;
- a package of documents that the buyer must provide;
- deadline for full payment of the cost of the goods, etc.
The buyer picks up his purchase after paying the advance. He can use it, but he will become its owner only after the final payment under the contract.
note: for the duration of the installment contract, the goods are collateral. To avoid any misunderstandings in the future, carefully study the clause regarding exchange or return of goods.
Installment plans are beneficial to both parties to the contract:
- The buyer saves on interest.
- The seller can sell a larger volume of his products.
All risks are assumed by the selling party, since there is no intermediary in the transaction - a bank. All controversial issues must be resolved in court.
Credit
The concept of “loan” means the amount of money that a commercial structure - a bank, an microfinance organization - issues to the borrower. In this case, the latter is charged a certain percentage. The loan agreement stipulates all the conditions, including the period for using the amount. The borrower must provide a number of documents confirming his solvency.
Banks are very scrupulous in checking a client’s credit history: if you have ever had misunderstandings with any banking institution, this may be the reason for refusing a loan.
You've probably often come across this picture: two prices are indicated on a product in a store. One of them is for full one-time payment, the second is for purchase in installments. Moreover, the first may be 50 percent less than the second. How do sellers explain this?
Previously, we focused your attention on the fact that all risks when selling in installments are borne by the seller. And each of them can name many cases when the buyer is limited to an advance payment, without bothering himself with further repayment of the amount. To protect itself from losses, the seller initially inflates the cost of the goods.
In this case, the potential buyer risks purchasing the goods with a large overpayment, and the benefit of installment payment is reduced to zero. To avoid getting into trouble, it is advisable to analyze the prices of the required product in different stores. This way you can understand how adequate the price and quality of a particular seller are.
Often, when sellers offer installment plans, they actually mean a consumer loan or a loan from an MFO (microfinance organization). In this case, the service is issued not by the store, but by the money supplier. Banks mainly focus on lending to expensive goods - cars, furniture, fur products, household appliances. MFOs choose segments characterized by low risks - shoes, children's goods, clothing.
Microfinance structures enjoy lower interest rates compared to banks. But the loan repayment period for microfinance organizations is much shorter, therefore, the monthly burden on the family budget is higher.
In any case, installment plans cost the buyer much less than a loan. That’s why it’s so important to read the contract carefully before signing it: otherwise, you may get a “surprise” in the form of an overpayment. Moreover, you are unlikely to be able to challenge the signed document in court; most likely, you will be told: “Study the agreement carefully - you are adults.”
If you are offered to arrange an installment plan through a bank, keep in mind that concepts are being substituted, and in fact you are signing a loan agreement.
What to choose
The choice of program is yours: only you can evaluate the financial benefits that lending and installment plans can give you.
But in general, we can draw the following conclusion: if the overpayment on a bank loan and the full cost of the goods in installments are comparable, evaluate the non-financial benefits - the convenience of servicing the debt, the time that will have to be spent on processing.
Most often, installments have a clear advantage. There is just one drawback to this method - sellers rarely resort to this method of selling.
