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If you would like to buy electronic or new household appliances or are building, renovating or fitting out your home, payment by instalment is a convenient option to make all the necessary purchases in one go and pay for them in instalments.
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The annual percentage rate on payment by instalment is 39.39% per annum on the following sample terms and conditions: the net price of the subject of contract is €250 when payment is made immediately, the credit amount is €250, down payment of €0, agreement term of 12 months, fixed interest rate of 11.9% per annum calculated on the purchase amount, agreement fee of €15, monthly management fee of €0.90, monthly instalment of €25.69, total amount of credit of €308.21 and total amount of repayments of €293.21.
Payment by instalment is provided by Coop Finants AS. Before you conclude an agreement, we advise you to review the terms and conditions of the financial service and, if necessary, consult a specialist.
Fines and penalties:
* The statutory default interest rate on consumer credit corresponds to the latest interest rate applied to the European Central Bank's (ECB) main refinancing operations, plus 8% per annum, before the 1 January of each year and 1 July each year. The ECB's interest rate is published by Eesti Pank in the Ametlikud Teadaanded publication.