In fairness, this is not quite clickbeit.

People still turn to microfinance organizations out of ignorance. Yes, someone does it intentionally, they refuse someone to issue preferential cards in banks. But there is a category of citizens who urgently need to purchase something, and there are not so many free money or there is not at all.

How can you make a purchase

1. Install. Well, this is a glass. It must be understood that "installments" is a banking product. Often large networks of the Mvideo and Eldorado type (of course not only they. Even on the OZON marketplace) they offer a convenient scheme of 0-0-6 or 0-0-12. This is when, without interest and the first contribution, you take the technique and pay its value by shares without much strain. If you see a 10-10-10 scheme-this is a loan, not an installment plan.

2. Decorate leasing in the legal office. Now, by subscription, not only the well -known companies such as Megafon and MTS are offered to take possession of gadgets, but the guys such as Forward Leasing (nothing personal, they just caught my eye before the rest), whose offer is much wider. Leasing companies offer a fairly wide selection: smartphones, tablets, laptops, gaming consoles, home equipment, etc. But there is a nuance: you will use the thing as your own, but before the redemption it will be the property of the company that acts as a lessor.

3. A bank credit card with a grace period without interest. Everything is simple: the banks themselves announce the conditions. 120 days, 180 days or even a year you can use the bank’s money without interest. However, this is not a gift for beautiful eyes and seniority. This is a loan and debt will need to be repaid. The charm is that there is no first contribution, there is no overpayment for the use of money within the framework of a period determined by the contract. But there is a nuance. Some bank may change the terms of the contract unilaterally and not notify, but everything is decided.

4. Yandex.Pl. General meaning: the amount is divided into 4 more or less equal parts. The relatively recent innovation of the IT giant in order to motivate everyone not to lose interest in market relations. Split (split) - means separation, crushing. So the first payment is 4 times less tense than buying here and now. Unlike installment plan 0-0-6, there is a mandatory first fee and only two months for payment. The nuance is that not all products can be bought like that.

What path will the Russian mandalores choose?

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#Financial Generation #Life Hhack #Savings #Apple