If you need to buy a desktop computer or a notebook but don’t have the financial resources to do it, the best solution to realize your technological dream is to request a personal loan for the purchase of a PC. With this type of financing it is possible to pay your computer directly to the seller by signing a simple loan: the credit institution will pay the amount of money due and we will pay the monthly installments.
The personal loan method described above is the credit solution offered also at the point of sale. Most shops are, in fact, affiliated with one or more financiers that can be stipulated directly in the place where you buy the PC. These are targeted loans since there is no direct payment of capital to the customer who stipulates the loan but the sum is paid directly to the seller : the customer has the sole obligation to pay the installments.
Before starting: ZERO or NO RATE?
Before starting to see together the details of the type of personal loan for the purchase of a desktop or notebook computer, the conditions for the provision of capital directly to the seller of the product, the amortization plan and the interest rate, is important consider the fact that many forms of finance granted directly at the point of sale where the product is purchased includes a zero-rate financing formula, which does not include the application of interest on the installment amount, which is usually not longer than 12 months, and a second financing option intended for longer repayment amounts and plans.
Personal loan for PC: CHARACTERISTICS
On the financial market there are numerous credit institutions that offer the type of personal loan for the purchase of a PC, providing either a zero-rate solution, with a short repayment plan up to 12 months, or the formula with a repayment plan plus long but with an interest rate that can reach 11%. Consider also the additional expenses for the opening of the case and other collection costs of the installment.
All technology stores have agreements with one or more credit institutions, in order to give each customer the opportunity to choose the financial institution that best meets his needs, offered to customers whenever they express an intention to buy a product of this type in installments. The retailer has a percentage on each contract signed and the lending institution earns on the financial stipulated.
Personal loan for PC: SIMULATION
The personal loan for PC allows you to purchase different types of technological devices such as tablets, notebooks and fixed computers, subscribing to a form of credit with the extension of the sum in monthly installments. Generally the most requested financing solution is the 10-month formula at zero rate, in which the total amount of the expenditure is deferred in 10 installments, as illustrated in the following table:
|LOAN FOR PC||TOTAL||REFUND PLAN||MONTHLY INSTALLMENT|
|PURCHASE FIXED PC, TABLET OR NOTEBOOK||850 USD||10 MONTHS||85 USD|
Personal loan for PC: DOCUMENTATION
To request a personal loan for PC, it is necessary to present the following documentation when purchasing the product:
- valid identity document
- fiscal Code
- last paycheck;
- CUD for self-employed workers;
- pension slip.
Personal loan for PC: WHO TO REFER?
The advantage of taking out a personal loan for the PC directly at the point of sale is that the loan is accepted in a short time and the contract is stipulated directly on the spot without having to wait for the acceptance of the loan, as is the case for other types of credit. To understand where to turn to sign up for a personal loan for the PC, it is also advisable to view the following table listing the major credit institutions that offer this form of credit:
Personal loan for PC: ON-LINE FINANCING
Recently it is also possible to obtain installment loans online, very convenient for those who want to save and buy directly on the web site, benefiting from numerous promotions and discounts. In fact, it is possible to subscribe to a loan at zero rate by deferring the total amount of the product in 10 monthly installments, as we have also seen in the following table. The cheapest personal loan for PC: Astro bank
One of the valid personal loan solutions for the purchase of a PC is the Astro bank computer and hi-tech loan, with which it is possible to finance up to 3000 USD, repayable with a repayment plan of 36 monthly installments. Astro bank’s PC loan solution allows you to sign the contract online too, purchasing products on promotion and on offer at different websites: the only requirements for signing the contract are a demonstrable income and the age of majority, which can be certified with the ‘direct sending on the web.
To understand better and summarize the characteristics of personal loan for PC, it is cheaper and more convenient, as its subscription is also possible online, through digital form and uploading the documentation necessary for the acceptance of the loan in real time, it is also observed the following table which shows the general conditions of the loan and the simulation of an installment for the purchase of a PC:
|LOAN online FOR Astro bank PC||MONTHLY INSTALLMENT||AMORTIZATION SCHEDULE||INTEREST RATE||FINAL AMOUNT DUE|
|3.000 USD||97.50 USD||36 MONTHS||11.01%||3,510 USD|