And yet, many people use credit directly to buy new furniture. Why are more and more bank customers preferring credit for furniture rather than cash? The answer lies in the financial position of the borrower and the price of the furniture: the homeowner will need a large sum of money to give the nursery home or apartment a nice appearance and impress their babies.
Rarely can anyone save money for a modern nursery, so customers at the furniture store Sapnumebele can turn to InCredit, a cash seller, and get full financing for the furniture (and not just the nursery). When it comes to making a budget purchase at a Sapnumebele store, such as a bed-sofa, then here too, everyone has access to a loan to buy furniture or to pay off.
Consumer credit for furniture
Even though there is no special loan for furniture yet, you can use a consumer loan and buy not only a sofa-bed, but also kitchens, upholstered furniture or furnish a nursery with a great deal from Sapnumebele. Without InCredit you can approach any other Latvian creditor and you will be provided with the help of a minimum bank requirement.
For example, to obtain a loan for the Sapnumebele furniture, InCredit will only require your passport and a xerox copy of this document . Other creditors will need to provide additional details about themselves.
Once your application for InCredit Furniture Loan is approved, you will only be able to sign the cash receipt agreement, but only the person in whose name the contract document is written will sign.
Consumer credit is a non-objective loan, so the money you receive can be used to meet any need, including the purchase of furniture. To help you test your options easily, any prospective borrower can use the additional feature on the creditor’s website and make a rough estimate of the planned payments. It should be remembered that all calculated payment schedules and payment amounts in the credit calculator are only approximate. You will find out the exact numbers when you decide to get a loan for a sofa – bed or other furniture you need.
Furniture on hire purchase
Customers or borrowers who do not have enough credit to offer Sapnumebele furniture for hire may also arrange for InCredit. Here they will not pay hidden annual rates, but will only refund the price of furniture manufactured in Latvia. If the buyer wants to test the interest-free credit, he will have to add up all the payments made to pay off the debt and he will get the same price for the furniture he has purchased. The essence of free payment for furniture is as follows: Sapnumebele pays all extra expenses to the bank itself, but the buyer pays only the purchase price .
Where and how to arrange payment
The purchase of furniture can be offered by both the Sapnumebele shop itself and the lender who works with the furniture manufacturer. There are many such programs, so any citizen of Latvia who has an identity document and at least a small monthly income can make a sofa bed or a bed for hire.
Buying or ordering selected furniture is relatively easy. You must select a favorite item in your Sapnumebele furniture catalog (add it to your cart) and enter key information about yourself. Later we press “pay for furniture on credit” and wait for the InCredit operator to call the contact phone number in the form.
In a telephone conversation with the manager, you will find out when the furniture will be delivered to your city. If you are satisfied with these deadlines, we will send you an invoice to go to any nearest InCredit affiliate to sign up for a loan, and you will already be signed there to receive the full financing of your purchase.