Furnishing a flat - buying in instalments. What you should know

Choosing electronics and household appliances - what to consider

Acquiring your dream property is only the beginning. The next stage is finishing the house or flat and furnishing it fully. A home we will live in every day cannot do without household appliances and electronics. As we know, it is a considerable expense, so many people decide to buy these devices on credit. If we already know that the equipment will be bought in instalments, it is worth analysing carefully what we actually need and at what price. If we have a zero-interest instalment option, we can definitely afford slightly more expensive products. With interest-bearing instalments, the final amount for the electronics will be somewhat higher, so it may be better to choose something cheaper. So what should guide us when choosing appliances for the home?

• let us analyse which things are essential for us and which we can do without for now,
• let us check equipment prices, as more expensive does not always mean better.

Once we know which appliances and electronics we will buy, we can move on to deciding on financing.

Buying in instalments - is it worth it?

If the shop offers the option of buying electronic equipment in zero-per-cent instalments, it is definitely a very good solution worth considering. We can use the devices from the moment we receive them, and each month we repay a fixed instalment with no interest or other possible credit costs.

Almost all shops offer instalment options today. The formalities are very simple and quick. It is enough to fill in the relevant application during the purchasing process. Once it is approved, the shop receives payment for the goods from the bank and fulfils the order. For such instalment purchases, in most cases the bank does not require any special documents.

Home electronics are one of the basic costs that must be taken into account when finishing a new flat. The instalment option - especially at zero per cent - is a favourable solution. We enjoy the equipment straight after buying it, without incurring a large one-off expense, as is the case when paying the full price for a given item.

With interest-bearing instalments, you need to calculate carefully how much a given device will ultimately cost. It may turn out that such an option is not entirely attractive. In such a situation it is better to choose a slightly cheaper product that we can afford at the moment.

A turnkey flat?

Many developers today offer turnkey flats, which are already furnished. In that case, when buying the flat there is no need to buy basic household appliances and electronics. Almost every estate agency has such flats among its listings. Then we no longer have to buy the equipment.