Purchase in installments

Home Credit Home Sales

The provider of repayments is Home Credit as, http://www.homecredit.cz
For more information on installments, please visit http://www.homecredit.cz/vop
For more information on hire purchase, please contact us 
Tel .: 840 810 810 or info@hobbytec.cz

Cofidis installment sale

  • Main advantages
    • You can get the goods as fast as you can on cash or pay with a card - you sign the contract online, you do not have to print, copy and send
    • If you are not in a hurry, you can choose a signature through a courier, sign the contract in the comfort of your home
    • Zero fees for providing credit, keeping a credit account, sending statements,
    • The possibility of early repayment or emergency repayment of the loan at any time without penalties or fees.
    • Simple next purchases within the approved limit without signing a new contract.
  • Credit Parameters
    • The amount of the loan is 3.000, - to 150.000, - CZK.
    • Number of installments 5 - 48.
    • Direct payment option from CZK 0.
  • Conditions for obtaining a loan
    • Citizen of the Czech Republic.
    • Age min. 18 years.
    • Permanent source of income (income from employment, business, old age or disability pension or parental allowance).
    • Employee after trial period, entrepreneur at least 1 year.
    • Custom bank account.
  • Required documents
    • Valid OP - for signature via courier service
    • Valid OP, 2nd identity document, statement from CA - for online signing
    • For loans over 50,000, - a proof of the level of income (you will be asked by Cofidis to submit your application).
  • Procedure for closing the loan
    • You complete the order in the online store, then you will be redirected to the Cofidis form.
    • You choose the credit option and continue to complete your application. To apply, you will need a ID card, your bank account details, and your employer's contact (if it is your source of income).
    • Once you have completed your application, you are immediately notified of its approval, if the application can not be evaluated online, expect to be contacted for additional information within 30 minutes (during the 8-22, so, no 9-21).
    • Once approved, you will receive an email with a credit agreement - the contract is for your information only - you do not need to print it.

It then depends on how you sign the contract you have chosen:

  • Online Signature
    • you will receive a link to your online sign-in application and login information
    • clicking on the link will take you to the login page
    • after signing up, you will upload the required documents (identity card, 2nd document and extract from the CA)
    • You will then examine the credit agreement and check the accuracy of the personal data you have filled in
    • sign the contract via the SMS you receive
    • done, we check the uploaded documents and give the eshop an order to ship the goods
  • Courier
    • within two business days you will be contacted by a courier
    • the courier will present the contract to you for the signing
    • Cofidis receives information on signing the contract and gives the eshop an order for shipping the goods.
  • Personal collection
    • Eshop will inform you of goods ready to pick up.
    • At the take-off point, the e-shoppers will submit a contract to sign you.
    • Against signing and paying for a direct payment, you will receive the goods.
  • Other purchases in installments
    • You complete the order in the online store, then you will be redirected to the Cofidis form.
    • You will be logged in (you will receive the login information once the first purchase is approved), you will see the current amount 
      of the available limit, you choose the credit option.
    • On the next page, you will review or edit your personal information and send it.
    • Drawing is immediately confirmed and eshop receives the information that it can ship the goods.
  • Loan repayment
    • Once the credit has been approved, you will receive a letter of acceptance giving all the necessary information about the repayment.
    • The first installment of the loan is usually due on the 15th day of the month following the approval of the loan.
Representative example: Total loan amount 10.000, - CZK, annual interest rate 19.83%, APR 19.8, duration of loan 24 months, monthly payment of 500, - CZK, total amount payable by the consumer 12.000, - CZK. No fees are charged for negotiating a loan or keeping an account, insurance is not mandatory and is not included in the APRC. This offer does not give rise to legal entitlement to the loan. More information at www.cofidis.cz