Lending terms
In most cases, the services offered by the shopping of the computer on credit look like this:- Lack of initial contribution or a small contribution, let's say 10%
- 10, 12 or 24 months - loan payment term
- As a rule, interest on the loan is compensated by the store, as a result, if not allowed to pay for payment, your loan is getting almost free.
In general, it can be said that the conditions are not the worst, especially if compared with many other credit proposals. Therefore, there is no special flaws in this regard. Doubts about the expediency of buying computer equipment on credit only because of the characteristics of this most computer equipment, namely: fast obsolescence and price reduction.
Visual example of buying a computer on credit
Suppose that in the summer of 2012 we purchased a computer worth 24,000 rubles on credit for a period of two years and pay 1000 rubles per month.
The advantages of such a purchase:
- They got the computer at once, who wanted. If you save on a computer, it will not happen even for 3-6 months, and it is necessary as air to work or if it took suddenly without it, again, it will not work out - this is quite justified. If you need it for games - in my opinion, meaningless - see the shortcomings.
Disadvantages:
- Exactly one year later your computer purchased on credit can be sold for 10-12 thousand and no more. At the same time, if you decide to save on this computer, and you took it a year - for the same amount you would acquire one and a half times more productive PC.
- After a year and a half, the amount given by you monthly (1000 rubles) will be 20-30% of the current value of your computer.
- Two years later, when you finish paying a loan, you will want a new computer (especially if you bought it for games), because On just paid much no longer will "go" as I would like.
My conclusions
If you decide to buy a computer on credit, it is worth understanding why you do it and remember that you create a kind of "passive" - i.e. Some expenses that you need to pay with certain frequency and which do not depend on the circumstances. In addition, the acquisition of a computer in this way can be considered as a long-term lease - i.e. As if you paid a monthly amount for its use. As a result, if in your opinion, the rental of a computer for a monthly loan payment is justified forward.
In my opinion, to take a loan for the purchase of a computer only if there is no other opportunity to purchase it, and work or training depend on it. At the same time, I recommend to take a loan for the shortest possible time - 6 or 10 months. If you buy a PC in order to "walked all the games" - then it is meaningless. It is better to wait, accumulate and buy.