Telephone stores have simplified the lending procedure for their clients. Now you can get a consumer loan to purchase 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 more than 3,000 rubles, the company’s employees will help you conclude a deal with the bank.

Which banks does Svyaznoy work with?

You can apply for a loan in the Svyaznoy store at the lending agent counter. He will advise the client and also fill out a loan application. To fill out the application you will need the following documents:

1. Original passport (in some offices a photocopy with a well-printed photo will be sufficient).
2. Identity document (car license, student ID, SNILS, international passport).
3. A receipt for the product you are interested in (it is written out by the salon employee).

You can send an application to all banks at the same time. The following companies currently cooperate with Svyaznoy:

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

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

1. Availability of branches in your region. Premature loan repayment, change in payment amount, refusal of goods and termination of the contract are carried out at the office of the financial institution. 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. No interest is charged for transferring funds.
3. Positive credit history. A microloan paid on time will help you get a more serious loan. Employees of the above banks more often enter into contracts with regular clients.

Its professional reputation depends on which banks Svyaznoy cooperates with. It should be noted that Tinkoff Bank opened a network of its own 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 in the Russian consumer loan market. The MigCredit organization specializes in issuing microloans and is one of the ten best MFOs in the country.

Buy online

You can also borrow electronics on the company’s website. To do this, you need to select a product costing from 3,000 rubles. and select a tab "Apply for credit".

The next step is to log into the site using your account or fill out the registration form (if you have not previously created an account). If you have promotional codes, you can activate them in the shopping cart with your order. You can pick up your purchase at the nearest official store. Select from payment methods "Credit online" and complete the ordering 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 contributions.
3. Enter reliable passport data without omissions or abbreviations.
4. Indicate your place of work, length of service and your monthly income.
5. Fill out a personal questionnaire: contacts, information about education, and marital status.
6. Add one contact person through whom 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 calls to the bank.

By pressing the button "Confirm", the client agrees to the terms of the agreement and transfers personal data for processing to the lending center. If you want to cancel the order, you can terminate the credit agreement by dialing the hotline number 8-800-700-43 43 (free call). Delivery cancellations will be processed 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 principal debt of the client;
• free the borrower from repaying the loan in difficult life moments;
• In case of insured events, the loan debt will not be collected from the creditor's relatives.

Loan repayment or which bank services Svyaznoy better

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

If you don’t like fiddling with payment documents, check out the additional services of the bank lending to you. Partners such as Home Credit Bank and Tinkoff offer Svyaznoy borrowers to issue a debit card. Every month your account will be automatically debited for the loan fee and queues at the cash register will be a thing of the past.

Let us remind you that in terminals owned by the creditor company, interest is not charged for payments. Post Bank, Tinkoff, OTP Bank, Alfa Bank (Alfa-Rau), and Home Credit own a network of their own ATMs.

Early repayment is possible already in the first month of lending. Calculation of the cost of payment is most often carried out at the office of a financial institution. Please note that Alfa Bank borrowers can receive free online consultation from a specialist. It is enough to leave an application on the bank’s official website 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 faulty product with a new one, Svyaznoy employees cancel the loan agreement for the defective product and draw up a new transaction with the bank.

Instructions

Call the information center of the Svyaznoy-Club program to find out the address of the nearest Svyaznoy mobile communication center where the loan repayment service is available. There are more than 2,500 points throughout the country. They work every day, including weekends and holidays.

Contact the nearest Svyaznoy mobile communication center, taking with you a passport or other document proving your identity and a loan agreement. Fill out the application and present the Svyaznoy-Club card or Svyaznoy-Bank Visa to the operator. In the event that you do not have such cards, you can use your mobile phone number, passport and loan agreement data for registration and registration.

Enter the loan amount through the cashier or payment terminal. You pay through the terminal in the same way as any other payment. Select on the monitor screen the name of the organization with which you signed the loan agreement, then enter its number and repayment amount. Insert it into the special hole, one bill at a time. Be sure to wait until the machine prints a payment receipt and keep it until the loan is paid in full.

Subsequent payments will not take much time; for this you only need a card and a passport, since payment data is stored in the system. When you pay the loan again, you will no longer need to dial the contract number - just one name of the product purchased on credit is enough. Tell the manager that you are paying off a loan, for example, for a car. You can also check with him how much money was deposited earlier, so as not to make a mistake with the payment.

You can pay off a loan in Svyaznoy if it is issued at the banks Tinkoff Credit Systems and Moscow Credit Bank (except for residents of Moscow and the Moscow region). Without commission, you can top up a deposit opened at Renaissance-Credit Bank. In this case, for initial registration, indicate the deposit account number, which is specified in the loan agreement. For other payments you will be charged a commission of 1%, but its amount will be at least 50 rubles.

note

Pay your loans in Svyaznoy in advance,” since the promised transfer period of 1 day is not always observed.

Sources:

• loan payment check

This completes the loan repayment operation. If you want to check whether your payment has reached the recipient's bank, click on the "Bank Statement" tab. All information on financial transactions on your personal account will be displayed there.

Video on the topic

note

Before confirming the payment, carefully check all the data you entered. If there is an error, the refund procedure will take a lot of time.

Do not share your username and password with anyone for the security and integrity of your finances.

Helpful advice

If you are going to perform this operation in the future, then for convenience you can save the payment template in your personal account. This will save you from having to fill in the data manually each time.

Sources:

• Banki.ru - information and service portal about banks and personal finance

Tip 3: What documents are needed when applying for a loan at Svyaznoy Bank

Svyaznoy Bank has been operating on the Russian market since 2010. It emerged through the merger of Promtorgbank and the Svyaznoy group of companies. Today the bank offers a personal loan in cash, as well as several types of cards with an affordable credit limit.

You will need

• - application form for a credit card;
• - passport;
• - certificate 2-NDFL;
• - certificate from the employer;
• - a copy of the work book;
• - international passport;
• - VHI;
• - car registration certificate;
• - a certificate confirming ownership of real estate.

Instructions

As part of a personal loan (individual offer) from Svyaznoy Bank, you can receive up to 500 thousand rubles. for up to 3 years. The interest rate on this loan product ranges from 36% to 68%. This loan does not require collateral or guarantors. The borrower will only need a passport with a mark of permanent registration in the Russian Federation. You also need to have a landline and mobile phone.

Svyaznoy Bank offers a choice of six types of credit cards - World MasterCard, as well as universal cards “Choice 1,000” (2000, 3000, 4000 or 5000). These cards combine the advantages and capabilities of debit, credit and bonus cards. With a World MasterCard you can count on a credit limit of up to 750 thousand rubles. with a grace period of up to 62 days. For “Choice” cards, the credit limit is set at up to 350 thousand rubles. with a grace period of up to 50 days. They provide for a minimum monthly payment of RUB 1,000. for the “Choice 1,000” card, 2,000 rub. - for “Choice 2,000” cards, etc.

The documents required to obtain a World MasterCard credit card can be divided into two groups - mandatory and optional. The required ones include a passport of a citizen of the Russian Federation (over the age of 21), a certificate in form 2-NDFL, as well as a certificate from the employer in the form of a bank. It is worth noting that Svyaznoy Bank does not require registration in the region where bank branches are present or obtaining a card. To expand the credit limit for an amount over 100 thousand rubles. Additionally, you will need a copy of your work record book, which will confirm your work experience in the last place for at least 6 months.

The interest rate on World MasterCard credit cards is determined on an individual basis. It is 24% to 29%. To receive a card with reduced interest, you need to provide additional documents - an international passport, voluntary medical insurance, a vehicle registration certificate or a certificate of ownership of real estate.

A distinctive feature of “Choice” credit cards is that there is no need to verify income. It is completed using two documents - and an application for a card. The interest rate is set individually and ranges from 17.9 to 44.5%.

note

For Svyaznoy Bank credit cards, cash withdrawals are not included in the grace period. They are also distinguished by the high cost of annual servicing (for World MasterCard cards - from 3,900 rubles).

In Svyaznoy there are many ways to pay for goods via the Internet. All of them are described in the article.

Svyaznoy is a company that is rightfully considered one of the largest networks selling modern gadgets.

• Under this brand, various stores, projects and services are opening, providing banking services, as well as air ticket sales services.
• But all people in our country know Svyaznoy as a modern online store where you can buy a high-quality smartphone, tablet and other electronics.
• The site interface is very convenient and understandable for potential buyers. Choosing a gadget can be done quickly and easily. Despite this, the company's clients often have questions, for example, what are the payment methods for purchases?

Typically, buyers are concerned about delivery methods, because they want the goods to arrive at a convenient time and in the right place. Svyaznoy provides pick-up of electronic devices, fast delivery, reservation of goods and delivery by courier service.

There are no fewer payment methods in this company than delivery methods:

• Payment in cash— this method of payment is made to the courier immediately after delivery of the goods.
• Payment in real time online with VISA and MasterCard payment cards— to receive purchased electronics, the buyer must provide a digital combination that he will receive on his phone after paying for the purchase of one of the cards.
• Payment with VISA and MasterCard cards via POS terminal, which will be available to the courier during delivery.
• Purchase on credit in real time— fill out your personal information in the form on the website, which will be sent to the banking institution. The decisions of the financial institution will be available on the website. When receiving electronics, you must provide the courier with your passport and sign a loan agreement.
• Credit funds issued at the pick-up point. The form is filled out when ordering on the website.
• Payment by non-cash funds. The invoice is issued after making a purchase through the online store within 60 minutes.
• Advantages of Svyaznoy- a program that allows you to pay for your purchase with a discount. A maximum of 5,000 pluses can be accrued for all payments or 1,000 pluses per check. One plus is 1 ruble.
• Gift in the form of a certificate— every buyer who has a gift certificate in hand can pay for their purchase with it. You can use the gift in the form of a certificate the very next day after its purchase.

Online payment in the Svyaznoy online store is convenient and fast. Choose the appropriate method and make long-awaited purchases easily, without spending a lot of time on selection, payment and delivery.

Svyaznoy offers the opportunity to make all payments in one place, without queues. We have created the best conditions for convenient and prompt payment for all the services you need.
More than 700 providers provide payments for cellular communications, Internet access, insurance premiums, loans, housing and communal services and much more.
You can always pay through QIWI for the services of not only large provider companies, but also regional, city and even district ones.

*Payments are accepted at all Svyaznoy mobile communication centers (except for the online store).

What can I pay?

Velcom
- MTS
- Life:)
- GoodLine

- "ADSL.by"
- "ByFly"
- "Solo"
- "TvCom"
- “Aichyna Plus”
- "GrimNET"
- IP-Telcom
- Baranovichi “Nord”
- Borisov "Light"
- Brest "BZD"
- Brest CITYLINE
- Brest Elnet
- Vitebsk “Garant”
- Vitebsk “Advanced Technologies”
- Gomel "Garant"
- Gomel "Nostra"
- Gomel "TeleSet"
- Grodno local network "GIS"
- Grodno "Garant"
- Grodno "GIS"
- Zhodino "Network Plus"
- Minsk "Anitex"
- Minsk "UNET.BY"
- Minsk “LIFENET”
- Minsk "AltoLan"
- Minsk Cyberlan.by
- Minsk FlyNet
- Minsk OneNet
- Minsk "TSM"
- Minsk infolan
- Minsk "MTIS"
- Minsk “NIKS”
- Minsk "Netberry"
- Mogilev “Screen”
- Mogilev Jam TV
- Mogilev "Koptu-Trade"
- Mogilev MGTS networks
- Mogilev "SAT-TV"
- Mogilev TransTelecom
- Mogilev Electrosvyaz
- Molodechno “argOOsnet”
- Mozyr MORS
- Orsha "Telecom-Garant"

- "Cosmos TV"
- Baranovichi "TV System"
- Baranovichi "Sfera TV"
- Bereza "Orbita TV"
- Bobruisk "Vesta"
- Bobruisk "Kotrez"
- Bobruisk "Skystream"
- Bobruisk "Skif"
- Borisov "Svet TV"
- Borisov "Telecom Garant"
- Brest "TVSAT"
- Brest "Elsat"
- Brest Cable TV
- Vitebsk "Advanced Technologies"
- Vitebsk "Tele-Media"
- Gomel "Garant"
- Gomel "TeleSet"
- Gorki "TVENKOM"
- Grodno "Garant"
- Grodno "GIS"
- Grodno "Elite-inform"
- Zhlobin "Telecomp"
- Minsk "Axioma-Service"
- Minsk TS Vasnetsova
- Mogilev "Jam TV"
- Mogilev "Dion"
- Mogilev "Koptu-Trade"
- Mogilev "MTK-Telecom"
- Mogilev "SAT-TV"
- Mogilev "Screen"
- Mogilev "Electrosvyaz"
- Mozyr "Mors-TV"
- Molodechno "Chance TV"
- Molodechno TVS
- Novopolotsk "Vector TV"
- Novopolotsk "Liner TV"
- Svetlogorsk "Ranak"
- Slutsk "Garant"

ATR.by - auto parts
- Avtofakt.by - auto parts
- Biglion.by - discounts
- Buy-and-use.by - clothes
- Ckidki.by - discounts
- Exist.by - auto parts
- ITV.BY media platform
- Kupibonus.by - order
- Kupibonus.by - personal account
- Maika.by - payment for goods
- My-shop.by - product
- Neagent.by - bulletin board
- OZ.by - payment for goods
- Partmaster.by - auto parts
- Plusminus.by - bets
- XSOLLA
- autosup.by - auto parts
- bezgazet.by - replenishment
- mot.by - product
- “New knowledge” - payment for goods
- Selling EasyPay
- Sales of WMB
- Exam.BY
- Mogilev possession.by
- “belqi” - replenishment

A complete list of housing and communal services that can be paid for in Svyaznoy communication shops can be found at link.

- “Home Credit Bank” - loan payment
- VTB - loan/bill payment
- MMBank - loan payment
- MTBank - loan payment
- NBRB - overdraft (frequently)
- NBRB - loan repayment (partial)
- Payment for the Paritetbank loan
- Loan payment - "Delta Bank" (ERIP)
- Loan payment - “IdeaBank”
- Loan payment - "RRB-Bank"
- Replenishment of client account - “IdeaBank”
- Priorbank - loan payment
- Priorbank - repayment by CC
- Priorbank - replenishment of deposits
- Trustbank - loan payment
- Trustbank - transfer to CC
- Trustbank - repayment of overdraft. loan

- "School online" - access vedy.by
- 1-4.by "Elementary school"
- Artstadi.by - educational services
- Lider.by - training
- Academy of Management - parking lot
- Academy of Management - dormitory (contract)
- Academy of Management - dormitory (apartment)
- Academy of Management - difference (debt)
- BSMU - for training
- BSPU "Payment for training"
- BSTU - tuition fees
- BSU - tuition fees (agreement)
- BNTU - tuition fees
- Brest BSU - for training
- Kobrin EE "KGPTL" - training
- Minsk BSU - training
- Minsk BSUIR - training
- Minsk State Educational Institution “Gymnasium No. 40”
- Minsk Gymnasium No. 36
- Minsk Plant. district - mugs
- Minsk Znayka-M - training
- Minsk First. district - mugs
- Polotsk State Educational Institution - education

- "Stravita" Insurance
- Active.by - services
- BELGOSSTRAKH - insurance
- BNSPF "Children's savings fund"
- BNSPF "Children's Protective"
- BNSPF "Classical"
- BNSPF "Classical" - pensions
- BNSPF "Oberegayushchee"
- Cadastre - state registration
- Mobido - content
- Grodno Belgosstrakh
- Grodno Len. district Apartment insurance
- Minsk Combi PC - parking
- Minsk Republican Scientific and Practical Center PZ - services
- Novopolotsk Belgosstrakh (project 33)
- TravelPay.by
- "TASK" - insurance
- Svisloch "Belgosstrakh"
- Olympbet.com - game account
- Superloto-online.com - account
- maxline.by - game account
- "SPORT-PARI" - Games
- Republic-club.by - payment for tickets
- kino.bycard.by - cinema tickets
- BelAvia - air tickets
- Payment for a railway ticket
- lotopay.by YOUR LOTTO - ticket
- lotopay.by YOUR LOTTO - deuce
- lotopay.by Pyaterochka - ticket
- lotopay.by Pyaterochka – four
- Desiderio.by - Hosting
- Extmedia.by - hosting
- hoster.by - Reliable programs
- hoster.by - Reliable hosting
- hoster.by - Cloud hosting
- hoster.by - Hosting HERE
- MTS - installment repayment

Commission information:

Transfer of payments in favor of banks and organizations, as well as organizations specified in Appendix 2 of the public agreement - 0.30 rub. (3000 rubles) for one payment;.
- Transfer of payments in favor of other organizations, not specified in Appendix 1 and 2 of the public agreement – 0.15 rub. (1500 rubles) for one payment;
- Transfer of payments in favor of organizations specified in Appendix 1 of the public agreement – 0 rubles per payment.

With document “Public agreement on the amount of remuneration charged” You can check it out in the consumer corner.

List of organizations, when transferring payments in favor of which a fee is charged - 3% of the payment amount:
- Ministry of Internal Affairs (traffic police fine - photo recording);
- Ministry of Internal Affairs Department for Citizenship and Migration (settlements of the Republic of Belarus);
- Department of Education of the city of Minsk, departments of education of the administration of Brest and Bobruisk, department of education of the Mozyr district executive committee (kindergartens);
- BSU - hostel for Belarusian students, Minsk.

A new opportunity, such as paying a loan through Svyaznoy, should help those who do not want to waste time and live close to one of these stores. In addition, the payment itself is processed without unnecessary hassles and delays, which allows Svyaznoy to successfully compete with banks and payment terminals. In general, Svyaznoy’s financial programs are becoming more and more serious, so you can only use their services for almost any money transactions. But today we will only talk about paying off the loan.

You should know that when paying for a loan through Svyaznoy, your money will reach the bank only the next day (banking) after the payment is made. Everything is done very simply. When you come to Svyaznoy, you fill out a special application on a prepared form (it is quite short), then present your passport and loan agreement. All participants of the program? Svyaznoy-Club? in this situation they are in a more privileged position, since for all payments starting from the second they only need to have a club card and passport with them. All credit information and payment history will be saved on the card, so this is a good reason to get one.

Thanks to the card? Svyaznoy-Club? you can always check the data on loans that will be saved there, and you can take out a loan from any Russian bank and work with it. You can add an almost endless number of credit histories to your card, which are stored not by agreement number, but by the name of the purchase, which makes the task easier and simplifies payment control. You can also always contact professional consultants in Svyaznoy, who will tell you what payments you have recently made and what loan requires urgent repayment. It is clear that the ability to pay a loan through the service in Svyaznoy involves lending in rubles. The commission is 1%, but cannot be lower than 50 rubles. In principle, you can pay off any loan this way (for example, this one), but it is most convenient to work through Svyaznoy for small loans taken out for certain purchases, for example, a phone purchased here in a telecom store.

To start paying off your loan without guarantors through Svyaznoy, you first need to find one of the chain stores closest to your home. Be sure to check (this can be done by calling a toll-free number) whether they pay for loans. After this, you can go to Svyaznoy with the documents under the contract, passport and Svyaznoy-Club card. You can also use a Visa credit card? Svyaznoy Bank?, well, or cash. At the office you will be asked to fill out an application for loan payment.

Next, you deposit the required amount to pay the loan through a cash register or terminal, like any other payment. In the terminal, you will need to select the page of the company that deals with your loan, and also fill in all the necessary fields. After making the payment, be sure to take the receipt and do not throw it away until you are sure that your money has reached the goal.

During subsequent loan payments, it will be a little easier for you, since all the data will be saved in the system and you will have to enter a minimum of information. It is best to apply for a Svyaznoy-Club card, with which the loan payment will generally be reduced to a few minutes. Now, when paying, you only need to select the name of the purchase for which the loan was issued. In addition, you can check previous payments at any time and control the entire amount that has already been paid. Loans that were taken out from some banks (the exact list can be found on the Svyaznoy website) can be paid without commission.