Without a mobile phone today, many are literally without hands. Solving most everyday issues, scheduling meetings and much more is impossible without a modern gadget. In his arsenal today is not only calls, but also a whole range of useful options. Therefore, the loss of a smartphone or the loss of its performance becomes a real problem that requires an immediate solution. In this regard, we will consider in the article how you can take a phone on credit in Svyaznoy.

The most modern and fashionable devices are now presented in all electronics stores and salons. cellular communication. But buying exactly the phone that you need does not always allow the budget. Smartphone - this is a serious purchase, and saving on it is not always advisable. For this reason, it is better to take out a loan and get exactly the device you need.

One of the options for purchasing with a loan is to buy a smartphone in - on credit or in installments. What conditions does this network of communication salons offer to its customers, and can they be considered profitable? How to get a loan and what is needed for this? Let's try to figure it out.

Why Connected?

The advantage of this network of salons in the maximum simplified scheme lending. Cooperation with many Russian banks allows you to easily choose favorable conditions and apply for a loan in Svyaznoy really quickly, even if credit history not flawless.

Not a single loan will be given without finding out the identity of the client and some information about his ability to fulfill his financial obligations. So, the bank will need a package of documents, which must certainly include:

• the passport;
• driver's license or military ID.

The fewer documents required by the bank, the higher the interest on the loan this bank offers.

If the upcoming loan is the first and the credit history has not yet begun, then a guarantor may be required. This point should be clarified in advance and find someone who can vouch for you when applying for a loan.

Registration procedure

Before applying for a phone loan in Svyaznoy, you need to carefully study all the details of the loan offer. If you already have experience in paying off debts in a particular bank, then it is better to use its services again. The fact is that regular customers are often offered special conditions for cooperation, for example, a loan will be more profitable, or the registration process - simplified.

Usually, you can get a loan in just half an hour: it will take so much time to submit an application along with a package of documents and consider it by the bank.

If during the study loan agreement If you have any questions or conditions of the loan, do not hesitate to ask them to the representative of the bank, this will help to avoid unpleasant surprises when repaying the loan. It will also help you calculate the installment amount.

Important! Remember that lending is based on a simple rule: the more you borrow, the more interest you will have to pay.

If you have a certain amount when you apply for a phone on credit or by installments, it is recommended to pay part of the loan immediately - This will help lower the interest on the loan and end up paying less.

Installment without overpayments

Some devices are included in the promotional list. This means that they are provided with an interest-free installment plan. However, in order to use it, you need to pick up an accessory from the list for the phone and use the service offered by the salon.

Important! The total cost of accessories should be from 1499 rubles, and services - from 999 rubles

In the Svyaznoy salon, only OTP-Bank provides installments, and if you order the service online, you can choose between Alfa-Bank, OTP-Bank and Renaissance.

To apply for an installment plan, you need:

• choose the smartphone you are interested in;
• the appropriate services and accessories to choose from will fall into the basket along with the phone, you need to select the appropriate ones from them;
• fill out an application, then select "Credit online" as payment;
• fill out the questionnaire again, already for the bank, be sure to indicate 0% as an initial payment and select the loan period (from 10 months);
• re-select the product and click on confirmation of selection.

Conditions for buying a phone in Svyaznoy on credit

The salon has certain requirements for a client who can buy gadgets on credit. After all, unreliable customers will ruin the reputation of a mobile phone salon, which will undermine the credibility of financial organizations in Svyaznoy. What is the age of the loan? Svyaznoy's basic requirements for buyers of phones on credit - is the age of majority and citizenship Russian Federation. Also - official employment.

How to buy a gadget on credit in Svyaznoy?

How to apply online?

There is an opinion that in order to get a phone on credit, you need to look for a Svyaznoy salon and go there for clarification. In fact, everything is much simpler, you don’t have to go anywhere . It is enough to visit the Svyaznoy website and register on it. Then you have to choose the phone model you are interested in and put it in the basket. Then we click on the product in the basket and under the button "Checkout" we see the available promotions.

Installment purchase option on the Svyaznoy website

If you have not decided on the model of the desired device, then it is recommended to visit the salon and use the services of a consultant. He will tell you about the features of a particular gadget and help with the choice.

How to fill out an application?

The next step should be filling out the form on the Svyaznoy's website. There is nothing complicated in this procedure. However, care and scrupulousness must be shown. The error should not creep in, since the Internet form is also a document. As soon as the bank processes the application, its representative will inform you of the decision. It will depend on this whether you get a phone on credit or not.

Important! Filling in deliberately false data or hiding information may result in a denial of a loan!

What banks does the online store cooperate with? Credit in Svyaznoy is provided by such financial institutions as:

• Tinkoff Bank;
• Alfa Bank;
• Post Bank;
• OTP Bank;
• MigCredit;
• Home Credit.

Conclusion

Check out the purchase of a phone on credit in Svyaznoy - this is a convenient and fast way to get a device if you don't have enough money for it. Loans are issued to almost everyone, but be careful when clarifying their conditions. Some banks that allow you to buy goods in installments practice “fine print” or hushing up the real payment procedure. For example, they prohibit early repayment of a loan.

In contact with

Communication stores have simplified the lending procedure for their customers. Now you can get a consumer loan for the purchase of electronic equipment without leaving the pavilion. Svyaznoy offers to draw up an agreement in one of its offices or on the company's website. If the product you like costs from 3,000 rubles, the company's employees will help you make a deal with the bank.

What banks does Svyaznoy work with?

You can apply for a loan in the Svyaznoy store at the counter of a lending agent. He will advise the client, as well as issue loan application. You will need the following documents to complete the application form:

1. Original passport (in some offices a photocopy with a well-printed photo will be enough).
2. Identity document (auto rights, student ID, SNILS, international passport).
3. A check for the goods of interest (it is issued by the salon employee).

You can send an application to all banks at the same time. At the moment, the following companies cooperate with Svyaznoy:

• Tinkoff Bank;
• Alfa Bank;
• OTP Bank;
• Home Credit;
• MigCredit;
• Post Bank.

If the application was approved by several financial institutions, the loan agent will select an agreement for you with favorable conditions. The interest rate and overpayments in all banks are approximately the same. Therefore, pay attention to the following parameters that affect these factors:

1. Availability of branches in your region. Premature loan repayment, change in the amount of payments, refusal of goods and termination of the contract are carried out in the office financial organization. When concluding a loan agreement, find out the addresses of the nearest bank branches.
2. Loan repayment without fees. Funds are credited through ATMs and terminals of the lending bank within 1-2 days. Interest on the transfer of funds is not charged.
3. Positive credit history. A microloan paid on time will help you get a more serious loan. Employees of the above banks more often conclude contracts with regular customers.

His professional reputation depends on which banks Svyaznoy cooperates with. Note that Tinkoff Bank opened its own network of ATMs in July 2017. The company's profit for 2016 amounted to 7 billion rubles, and the percentage of non-performing loans fell to 10%. Commercial Bank Home Credit ranks second in terms of return on assets and is the leader Russian market consumer loans. The MigCredit organization specializes in issuing microloans and is among the top ten MFIs in the country.

Purchase online

You can also borrow electronics on the company's website. To do this, you need to pick up a product worth from 3000 rubles. and select tab "Get on credit".

The next step is to enter the site under your account or fill out the registration form (if the account has not been created before). If you have promo codes, you can activate them in the basket with the order. You can pick up your purchase at the nearest official store. Choose from payment methods "Credit online" and complete the checkout process.

The system will redirect you to the loan agreement registration page. Next, you need to do the following:

1. Read the information about which banks provide loans in Svyaznoy and select the appropriate organization.
2. In the window that opens, select the amount of the initial payment and monthly installments.
3. Enter reliable passport data without omissions and abbreviations.
4. Indicate the place of work, length of service and the level of your monthly income.
5. Fill out a personal questionnaire: contacts, information about education, as well as marital status.
6. Add one contact person through which the bank can contact you if necessary.
7. Check/Skip Boxes Life Insurance, Job Loss Insurance.
8. Next, come up with a code word that will be useful for calling the bank.

Pushing a button "Confirm", the client agrees to the terms of the agreement and transfers personal data for processing to the credit center. If you want to cancel the order, you can terminate the loan agreement by dialing the phone number hotline 8-800-700-43 43 (toll-free). Cancellation of delivery will be carried out on the same day.

A little about insurance

Most buyers are not interested in consumer loan insurance. However, insurance helps:

• reimburse the bank for the main debt of the client;
• release the borrower from repayment of the loan in difficult life moments;
• in case of insured events, the debt on the loan will not be collected from the relatives of the creditor.

Loan payment or which bank serves Svyaznoy better

You can repay the loan both in the Svyaznoy salon and at the bank branch. Payment is made through terminals and cash desks. New customers who are not registered in the Svyaznoy system pay the loan only in cash. Persons included in the company's database can make transfers through ATMs. In this case, the borrowers are identified using the agreement code or through the name card "Svyaznoy Club".

If you do not like to mess with payment documents, check out the additional services of the bank that lends you. Partners such as Home Credit Bank and Tinkoff offer Svyaznoy borrowers to issue debit card. Every month, your account will be automatically charged for the loan and queues at the cash desk will become a thing of the past.

Recall that in terminals owned by the creditor company, interest on payment is not charged. The network of own ATMs is owned by Post Bank, Tinkoff, OTP Bank, Alfa Bank (Alfa-Rau), as well as Home Credit.

Early repayment is possible already in the first month of lending. The calculation of the cost of payment is most often carried out at the office of a financial institution. Note that Alfa Bank borrowers can get a free online consultation from a specialist. It is enough to leave an application on the official website of the bank or call the lending center.

In cases where the purchased equipment is out of order, the client has the right to terminate the contract with the credit agency. When replacing a defective product with a new one, Svyaznoy employees cancel the loan agreement for defective goods and draw up a new deal with the bank.

In addition to credit cards, Svyaznoy Bank offers a consumer loan for any purpose. You can apply for a loan both at bank branches and at Svyaznoy mobile phone stores.

• Certificate of income in the form of 2-NDFL or a certificate in the form of a bank with an employer visa (“How to get a loan without income certificate”)
• A copy of the work book or certificate of registration of a car issued to you
• VHI policy (voluntary medical insurance)
• Valid international passport

There is no exact information on how much the base interest rate can be reduced, however, maximum transparency and confirmation of solvency will definitely allow you to get the most favorable conditions.

Additional features

If you have issued a loan at Svyaznoy Bank for a period of more than 24 months inclusive, and make monthly payments regularly and without delay, you can use one of special offers to choose from:

• Cancellation of the last payment by consumer credit Svyaznoy bank
• Reducing the base interest rate by 1% after 12 months of using the loan

Commissions and penalties

According to the official information of the bank, Additional services provided without commission. In case of late payment on the loan, a fine of 1,000 rubles is charged, starting from the 6th day of delay in payment. The fee is charged at the same time.

It should also be noted that if you received a loan offer from Svyaznoy Bank in the period from 08/06/2011 to the present, then the conditions become more favorable. In particular, the updated interest rate of Svyaznoy Bank on the loan will be from 16% to 30% per annum.

Not all of us have enough savings to buy something expensive. However, this is never a reason to deny yourself the pleasure, because you can use the Svyaznoy card and always have the necessary funds at hand.

If you are interested in the "Svyaznoy" bank, only those who have already used the services of the bank can get a loan in the standard sense of the word.

This tariff plan is called a "personal loan" and allows you to take up to 500,000 rubles for a period of 12 to 36 months (in 12-month increments). The interest rate on such a loan can range from 36 to 68% per annum, depending on the term of the loan, as well as your experience with the bank.

The pleasant moments of this tariff plan are the ability to move the payment date within a month, as well as credit holidays. If necessary, you can defer one payment by shifting the loan term or by paying it together with the next month's payment.

Please note: on November 24, 2015, the license was revoked from Svyaznoy Bank. We suggest you use our online service and choose another bank and loan program for yourself:

To apply for a loan, you will need a Russian passport, 2 phone numbers and some time. On average, a loan decision takes 30 minutes.

Types of credit cards of Svyaznoy Bank:

A credit card in Svyaznoy is a full-fledged replacement for standard credit programs. At the moment, the bank provides two types of universal cards with a credit component:

World map master card With credit limit up to 750,000 rubles. The grace period on the card is 62 days. The interest rate depends on the amount of withdrawn credit funds and ranges from 24 to 29%. Please note that Svyaznoy Bank combined credit cards with the functionality of universal ones. So they offer many more options than a simple loan. This card allows you to have a mini-deposit with accrual of up to 20% per annum on the card balance, make instant purchases with PayPass technology, as well as accumulate points for a variety of bonus programs;

Svyaznoy Bank card with a credit limit up to 350,000 rubles and grace period 50 days. This card allows you to use the Price Protection service, make one-touch purchases with PayPass technology, and instantly replenish your account at any branch of Svyaznoy Bank. The credit card also gives you access to the Internet banking system, where you can control all account processes.

How to apply for a Svyaznoy credit card?

You will need online, which can be found on the official website. The completed application form is sent to the bank, after which you either wait for an invitation, or go to any convenient branch with your passport.

The response received from the bank gives you the opportunity to visit a specialist without a queue if you arrive at the appointed time, but sometimes an independent trip is even a faster solution. Don't forget to bring your passport and mobile phone.

An online application for a loan at Svyaznoy Bank is necessary in order to speed up your service at the branch. In it you indicate your contact details, the desired tariff plan, as well as other information that the bank needs to determine your solvency.

Additional services for Svyaznoy credit cards:

The Svyaznoy credit card, which you can apply for online right now, has many advantages over cards from other banks. These include the following bonus solutions:

Accrual of bonuses for purchases in a network of partner stores. If you make a purchase in stores connected to the Svyaznoy-Club program, a certain percentage of the check amount will be returned to your bonus account. You can spend the accumulated bonuses in a cafe or in Svyaznoy outlets. The list of program partners is constantly updated, and your favorite establishments will definitely be included in it;

Price Protection Program. If you made a purchase using the Svyaznoy card and found more than profitable proposition, You can get the difference on your card. This service is part of the bank's insurance program and is provided only to Svyaznoy Bank card holders;

Discounts in stores and restaurants around the world. Cardholders from Svyaznoy Bank can take part in various promotions and discount programs from MasterCard, including receiving discounts and accumulating bonuses through partner programs while traveling.

Internet banking for Svyaznoy credit card holders:

When you make an online application for a card in Svyaznoy Bank, you have the opportunity to connect to the QBank system. It gives you the opportunity to access all important information on the card at any time (account balance, debt, expense / receipt of funds, etc.), as well as make online payments.

Internet banking allows you to transfer money to the accounts of other users without commissions and directly from home or from mobile application, as well as pay for utilities, mobile phone, internet and more. You can also connect the SMS control function there.

Now you can not only receive notifications from the bank about account movements, but also independently manage your account using SMS. In particular, this gives you the opportunity to quickly block any work with the card in case it is lost or stolen.

Please note that your account in QBank has a reliable protection that is in no way inferior to the protection of the card itself. Entrance to Personal Area confirmed with a password, as well as SMS notifications.

If a message arrives on your phone to confirm a transaction that you are not making, you can immediately block the transfer of funds by dialing the bank's short number or sending a message there.

Internal transactions are encrypted, and the responsibility for the security of the transfer lies entirely with the bank. So you can not worry about the safety of your funds.

Who can apply for a credit card in Svyaznoy?

At the moment, the bank "Svyaznoy" issue credit card allows all citizens of the Russian Federation aged 21 to 65 years. Persons of the age can apply for any bank card from the above, but with a zero credit limit.

Such a card can be used to receive personal payments, calculate and accumulate bonuses for connected programs.

Electronic payment systems, Internet banking, e-mail - all this cannot be fully used without a telephone, not to mention the possibility of communication. Of course, you can buy a simple device for receiving calls and sending SMS, but modern devices successfully combine a music player, camera, tablet, etc. In addition, for many people it is important to emphasize their own image or status as an “advanced” gadget. In general, there is a need to get a phone on credit and you think which salon to go to. Very interesting lending programs for cellular, computer, photo and video equipment are offered by Svyaznoy.

How to get a loan in Svyaznoy

Any equipment in a mobile phone shop, worth 2,000 rubles or more, can be borrowed from Svyaznoy. For registration, an applicant over the age of 18 usually only needs to present a passport and a second document of choice (driver's license, SNILS, passport, etc.). The first installment is at the customer's choice and is not required at all during certain marketing campaigns, although it usually leads to lower interest rates and lower overpayments. It is desirable to have a permanent residence permit in the region of residence, however, in some banks available in Svyaznoy, a temporary residence permit is also allowed.

A financial product manager prepares an application for a loan. As a rule, these employees have undergone special training and can explain all the nuances to the client in a very accessible way.

Benefits of lending in Svyaznoy

The design of cell phones, smartphones in Svyaznoy has several very tangible advantages:

1. In the salon at the moment there are 4 banks "Home Credit", "OTP Bank", "Renaissance" and "Alfa-Bank". This means that there is a choice of loan product for different categories of customers.
2. The unique program allows you to send a client's application to all banks at once! You will not have to send the data again if for some reason one of the banks refuses to issue you a loan.
3. You save your time, because all the data needs to be filled in only once, the whole procedure takes no more than 20 minutes.
4. There is a high probability of loan approval - one bank will not give the go-ahead, another will surely meet, even if your credit history is a little spoiled.
5. If the application is approved by several banks at once, you can choose a loan product with the most favorable and suitable conditions for you.
6. Svyaznoy quite often initiates special promotions, for which it is very profitable to purchase a smartphone, phone, laptop or camera. For example, you may be offered registration without an overpayment, without a down payment (the so-called "installment plan"). Often such a marketing ploy is used to sell certain models of equipment.

Why is one bank better than another?

It is possible that after sending the application for consideration, the sales manager loan products will notify you of a positive decision from several banks at once. Which one to choose? Most likely, the monthly payments and overpayments, which most borrowers are guided by, will be approximately equal in all financial institutions, because the company usually enters into a partnership agreement on certain, largely similar conditions. However, from a purely practical point of view, you can give some advice on choosing a particular bank.

Primarily, you should pay attention to the presence of a representative office of a particular company in your city. Some emerging nuances, questions, disputes under a loan agreement are sometimes easier to resolve by contacting the office directly.

Second What you need to consider is the possibility of making payments without commission. Agree, 20-50 rubles a month is small, but still money. It is good if there are terminals, ATMs or bank offices near the place of your residence or work with the possibility of free payment on the loan. It's great if these devices credit money within 1-2 days, and do not go for a whole week.

Think, maybe in the future you want to get a loan for a larger amount, a car loan or a credit card in one of the banks presented? If you repay this small loan in good faith, your chances of getting a more “serious” product approved by the same financial institution will increase somewhat. A positive credit history is a definite plus for fulfilling your future needs; do not miss the opportunity to establish yourself well in the eyes of the bank.

Do you really need insurance for such a loan?

In almost all cases, loan product sales managers at Svyaznoy offer borrowers to insure themselves in case they receive a non-working disability group or (God forbid) death. The first reaction of the client to such an offer usually boils down to the question: “Is this necessary?”. No, not necessarily, insurance is still a voluntary service. But look at the problem in a different way: in the event of a death, the heirs also receive all the debts of the testator. That is, your relatives will pay your loan, however, if you have an insurance policy, the loan is repaid by the insurance company.

It would seem that if the amount of the phone is small, then it is not necessary to insure it. However, a small loan implies, in turn, a modest amount of insurance (it depends on the size of the loan).

In addition, store employees can offer to take out on credit along with the phone the following services: insurance of the phone in case of theft and an extended warranty for equipment for a period of a year or more. Whether to use this kind of additional service is, of course, up to you.