Yes. The price remains unchanged for the entire installment period.
What additional payments are there?
None. The price indicated on the website is final.
Is there a down payment?
Yes. An initial fee paid upon receipt of the goods via bank terminal. The amount of the down payment is determined by the terms of the installment plan provided and is indicated on the product page.
When do you need to pay installments?
Until the 1st of every month.
For how long is the installment plan available?
The installment period is displayed on the product page
Which bank provides installment plans?
Installment plans are provided directly by the online store.
What are the methods of paying for goods in installments?
RUE "Belpochta", OJSC "Belgazprombank", ERIP and other payment acceptance points specified in the purchase and sale agreement or on the website.
How to pay through ERIP?
You can pay for the services of PrivatLeasing LLC through the “Calculation” system (ERIP), in any place convenient for you, at a time convenient for you, at a point convenient for you banking services– Internet banking, mobile banking, information kiosk, bank cash desk, ATM, etc.
You can make payment using cash Money, electronic money and bank payment cards at banking service points of banks that provide payment acceptance services, as well as through remote banking tools.
To make a payment you must:
- Choose
- Item “System “Calculation” (ERIP)
- Financial services
- Leasing
- PrivatLeasing
- To pay enter Contract number
- Enter the payment amount (the default field will be yours) current debt)
- Check the information is correct
- Make a payment
If you make a payment at a bank cash desk, please inform the cashier about the need to make the payment through the “Settlement” system (ERIP).
The leasing services market is actively developing throughout the world. Vehicle leasing is especially popular. There are currently a sufficient number of leasing companies operating on the Ukrainian market and new ones are constantly opening. One of the largest companies offering services in this direction is Privat Leasing.
Dear readers! The article talks about typical solutions legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:
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About company
Currently, the Privat Leasing company is one of the largest leasing companies in Ukraine. The company's head office is located in the Kyiv region, and representative offices operate in many major cities western region.
The main goal of the company is to support agricultural enterprises. By offering these organizations some of the best products on the market and giving the opportunity to agree individual conditions taking into account the nature of each client’s activity and seasonality of demand.
Privat Leasing is a completely private company, part of one of the largest financial groups in Ukraine. This allows the organization to obtain profitable investment options and provide better conditions for customers.
How to apply?
In the recent past, leasing schemes for purchasing equipment were abandoned mainly due to the complexity of completing the transaction. Today, development high technology significantly simplified the procedure for concluding a contract and acquiring property on lease.
You don’t have to be a lawyer to conclude a profitable leasing agreement with Privat Leasing. Will work with the client at all stages of the transaction personal manager, ready to help in any situation.
Let's look at how a transaction is completed at Privat Leasing:
- the client selects the equipment he needs and chooses a suitable supplier;
- a package of necessary documents is sent to the leasing company;
- Privat Leasing employees analyze financial condition potential lessee and make a decision on the transaction;
- the parties sign a leasing agreement;
- the client pays advance payment and receives the equipment from the seller.
An important feature of leasing programs is the ability to select the required brand and model of equipment, as well as the supplier. If necessary, leasing company employees can suggest partner suppliers.
Purchasing equipment from leasing company partners allows you to receive certain discounts and preferences. In addition, this guarantees the reliability of the supplier.
Another distinctive feature of the company is the quick consideration of the application and a small set of documents. This allows you to quickly obtain financing for the purchase of equipment. Usually the transaction is approved in a maximum of 5-7 business days.
Video: History of the bank
Products and conditions in Privat leasing
The Privat Leasing company has been working in the Ukrainian market for quite a long time. But despite this, each client receives an individual approach. Unlike banking organizations There are no strict terms and conditions for the deal.
The leasing recipient always has the opportunity to agree on changes to the agreement or payment schedule. This allows you to take into account seasonality and the characteristic features of the business of a particular enterprise.
Important! Currently the company does not work with individuals.
The average price increase per year will be about 10%. In this case, the organization has the right to deduct leasing expenses from tax base and obtaining legal preferences.
Typically, the contract is concluded for 12-60 months, but if desired, it is possible to increase the financing period or include in the contract a condition on the permissibility of extension.
At the end of the contract, the client can return the equipment to the lessor or buy it back at the residual value, which is agreed upon before signing the contract.
When purchasing equipment on lease, it is necessary to insure it under a program that covers the risks of loss, theft, damage, and others. This increases the price increase.
For clarity, we present a table with all the main conditions for purchasing property on lease from the Privat Leasing company.
Recipient requirements
Leasing companies are more loyal to potential recipients than banks. This allows you to attract representatives of small and ultra-small businesses, with whom large banking organizations do not like to work.
You still have to meet certain requirements for purchasing equipment on lease; we list them in the following table.
To technology
The terms of leasing programs allow you to purchase almost any equipment. In this case, preference is given to new agricultural machinery, but the purchase of used machines is also possible if their age does not exceed 10 years.
The choice of a specific brand, model and configuration remains with the lessee. He also has the opportunity to independently decide on the supplier.
Table. Requirements for equipment in the Privat Leasing company.
Main parameters of leasing products
Privat Leasing's products are aimed primarily at financing agricultural producers. Naturally, the company is ready to offer the most optimal conditions for this category of clients.
The Privat Leasing company works with Privat-Bank and OTP Bank within the framework of financing programs. The client can independently choose from which banking institution the financing will be provided.
Table. Leasing conditions in the Privat Leasing company with the attraction of funds from various banks.
Package of documents
The lessee must submit a certain package of documents when submitting an application. It is used to check the legal integrity of the company and financial analysis.
Without submitting a complete package of documents, the leasing company will not consider the application. If necessary, the client may be asked to provide other documents that relate to a specific transaction.
Table. The main package of documents for concluding a transaction.
Document forms
You need to pay attention to any documents you sign, especially you need to carefully read the contract itself. This is the basic agreement governing the relationship between the parties.
When submitting documents, you must also fill out a form legal entity and a leader. The document form can be obtained from the company’s managers at any time by writing to them by email or by calling them.
Important! In each specific case, the form of the agreement may differ slightly. This is due to the fact that the company takes into account individual characteristics business of each client.
Redemption
It must be taken into account that every month the client of the leasing company must make a certain payment. The size of each contribution is established in the payment schedule, taking into account the nature of the specific business.
Let's consider what the payment schedule could be:
- uniform;
- decreasing;
- seasonal;
- individual.
Payment upon receipt
Payment by installment card "Halva", "Purchase Card"
Payment by installments
Payment on credit
Online payment
Cashless payments
Cash payment
You pay for your purchase in cash and receive all official documents: a payment receipt confirming the fact of purchase, a warranty card, a technical passport and an instruction manual.
Payment accepted exclusively in Belarusian rubles . We will be very grateful to you if you save time for yourself and our forwarder by collecting the order amount without change.
Payment by bank card
You pay for your purchase with a bank card and receive a confirmation of the purchase, a warranty card, a technical passport and an instruction manual, as well as a receipt from the terminal confirming the purchase bank transaction according to your card.
Our courier service is equipped with the latest mobile terminals, so you don’t have to worry that your card won’t fit. Plastic cards of all banks in the world, belonging to both citizens of the Republic of Belarus and foreign citizens, are accepted for payment.
Payment at pick-up points is made in the usual way at the store's cash desk.
Payment by card in installments Online
In order to pay for your order by installment card online, you must select a payment method when placing your order in step 2 "Pay by card in installments Online" and select from the list that opens below the desired card installments and suitable time installments available for items in the cart.
After placing your order, click on the button "Go to the payment", you will be redirected to a special secure payment page of the processing system.
The payment page will indicate the order number and payment amount. To pay, you need to enter your card details and confirm the payment by clicking the button "Pay".
Payments by Halva installment card are carried out through the bePaid electronic payment system. The payment page of the system meets all data transmission security requirements (PCI DSS Level 1). All confidential data is stored in encrypted form and is highly resistant to hacking.
In case of cancellation/return of goods, the refund is made to the card from which the payment was made, and the period for receipt of funds on the card is from 3 to 30 days from the date of the return by the Seller.
Payments by Shopping Map are carried out through the electronic payment system from OJSC Belgazprombank. The payment page of the system meets all data transmission security requirements. All confidential data is stored in encrypted form and is highly resistant to hacking.
If your card supports 3-D Secure technology, you will be asked to complete a standard one-minute cardholder verification process on your bank's (the bank that issued your card) website.
After payment, our manager will contact you using the method you specified to clarify delivery details.
Please note that after the payment has been made to your email address confirmation of payment will arrive. We ask you to save your payment details.
Payment by installment card in a retail store
Installment card No. 1 "Halva" from MTBank
Installment periods are 6, 12 and 18 months for a limited list of goods, which are marked with the appropriate sticker
The installment period is 2 months for all goods, except for goods participating in other promotions.
“Shopping card” from Belgazprombank:
The installment period is 3 months for all goods, except for goods participating in other promotions.
Installment card"MAGNIT" from Belarusbank:
The installment period is 3 months for all goods, except for goods participating in other promotions.
In order to pay for your order with an installment card upon receipt of the goods in a retail store, you must select a payment method during checkout in step 2 "Payment by installment card in a retail store" and in the list that opens below, select the desired installment card and the appropriate installment period from those available for the goods in the cart. Payment by installment cards is made at the checkout of the retail store 5 element after inspection and verification of the goods.
Installment plan Online in 5 minutes
Payment by installments is carried out online through the Interbank Identification System (ISI) without a paper agreement and scanned copies of documents. The bank sends a response about consideration of the application via SMS to the phone number specified in the application form.
Installments in 5 minutes are issued by Bank BelVEB OJSC:
"
Loan repayment is carried out:
Banking payment card any bank (except for the card of OJSC "Bank BelVEB") - through the payment system "Raschet" (ERIP)
Cash:
at the box office and exchange offices OJSC "Bank BelVEB";
at ATMs and self-service payment and reference terminals of Bank BelVEB OJSC and partner banks, marked with the SBS logo
Bank payment card of Bank BelVEB OJSC, using remote service channels:
in the Internet banking system;
at ATMs and self-service payment and information terminals of Bank BelVEB OJSC and partner banks, marked with the SBS logo.
Installment plan by phone
Send a scanned copy of the last pages of your passport to your email address and arrange an installment plan without leaving your home!
In the online store "5 Element", installments by telephone are issued in the following banks:
You can find out more about the terms and conditions on the page "Credit and installments "
Loan calculator
Loan repayment CJSC "VTB Bank" carried out:
www.e-pay.by
Installment plan in a retail store
The following banks are the partners of "5 Element":
- CJSC "MTBank"
- CJSC VTB Bank
*Your work experience at your current place of work must be at least 3 months
Loan repayment CJSC "VTB Bank" carried out:
in branches of RUE "Belpochta", in branches and ATMs of CJSC VTB Bank (Belarus), through the "Raschet" system (ERIP), www.e-pay.by , cash-in of VTB Bank (Belarus)
Dear clients, please note that when completing a loan transaction with VTB Bank, the original loan agreement can only be picked up at a VTB Bank branch by calling +375 17 3091515 in advance.
Credit Online
In the online store "5 element" a loan is issued in the following banks: 
Send a photocopy of the last pages of your passport to your email address and get a loan without leaving your home!
*Your work experience at your current place of work must be at least 3 months
You can find out more about the terms and conditions on the page "Credit and installments "
To calculate your monthly payment, please use the Loan Calculator. After payment you will be offered credit products with the most favorable conditions for you.
Loan repayment CJSC "VTB Bank" carried out:
in branches of RUE "Belpochta", in branches and ATMs of CJSC VTB Bank (Belarus), through the "Raschet" system (ERIP), www.e-pay.by, cash-in of VTB Bank (Belarus)
Dear clients, please note that when completing a loan transaction with VTB Bank, the original loan agreement can only be picked up at a VTB Bank branch by first calling +375 17 3091515.
Retail store credit
Credit in a retail store is quick and easy!
Equipment on credit in the “5th element” is a very convenient way for every person to purchase useful and necessary things in everyday life.
To apply for a consumer loan, you need a passport.
*Your work experience at your current place of work must be at least 3 months.
You can find out more about the terms and conditions on the page " "
The purchase price may exceed maximum amount loan. In this case, it is better for you to contact credit consultants who will offer you options for credit programs.
By buying a refrigerator on credit, a camera on credit, a TV on credit, you get the opportunity to purchase more expensive and advanced models, the cost of which is lump sum payment too high.
Credit offers for equipment purchases, you can always check with bank consultants in the “CREDIT” departments located in retail stores of the “5 Element” network.
Loan repaymentCJSC "VTB Bank"carried out:
in branches of RUE "Belpochta", in branches and ATMs of CJSC VTB Bank (Belarus), through the "Raschet" system (ERIP), www.e-pay.by , cash-in of VTB Bank (Belarus)
Dear clients, please note that when completing a loan transaction with VTB Bank, the original loan agreement can only be picked up at a VTB Bank branch by first calling +375 17 3091515.
System "Calculation" (ERIP)
- Add the products you are interested in “ADD TO CART” and click the “Place an order” button. In the “Payment methods” list, select “System “Settlement” (ERIP)” and click the “Place an order” button. Fill in your contact information and click the “Confirm order” button. Your order has been processed by us.
- After agreeing on the details and confirming the order, we send a unique “Payment Code” by email or sms, which is active for 1 day. The message will also detail the path to our online store in the service tree of the Settlement System (ERIP).
- On the Internet banking website, Webmoney, EasyPay systems or in the payments section at an ATM, payment terminal or mobile banking find and select the item that contains the name of the “Settlement” or ERIP system (for example, in the Internet bank - the “Settlement” System (ERIP), on the EasyPay website - simply ERIP).
- Select the “Online stores/services” item, then you need to select a group of stores by the first letter (number) of the name and the name of the online store itself, which will be precisely indicated in the email (SMS) message along with a unique code for payment. Enter this code in the “Payment code” field, click “Next”, check the invoiced amount and confirm the payment.
- Print or save payment receipt- it will need to be presented upon receipt of the order.
If the customer refuses the goods, the funds will be returned to in full. The refund period can be up to 20 days. Refunds are made by postal order only.
More detailed information about the possibilities and advantages of this payment system, as well as information about payment acceptance points can be found on the website of the "Raschet" system (ERIP).
Payment by plastic card online
Payment is made via the Internet in real time immediately after placing the order.
Payment processing is carried out on the hardware and software complex of the electronic payment system using a secure data transfer protocol to the payment server.
The procedure for paying for an order by credit card on the Internet:
- Check whether the bank card is intended for online payments (this information will be provided by the Bank that issued your plastic card).
- Add the products you are interested in “ADD TO CART” and click the “Place an order” button. In the "Payment methods" list, select "Online payments by bank cards" and click the "Place an order" button. Fill in the delivery information and click the “Confirm order” button. Your order has been processed by us, to pay for the goods, click the “Proceed to payment” button.
- The online store will redirect you to the authorization server for online payments.
If the client refuses the goods, the money is returned in full and without any commissions. The period for returning funds to the buyer's account can be up to 30 days, depending on the issuing bank.
Upon receipt of the goods, a warranty card, technical passport and operating instructions are issued.
Cashless payments
In order to pay for your order using this method, you need to click the button in the cart "Checkout" then in step 2 in payment methods select the item "Cashless payments" and correctly fill in the details of your organization in the form fields and click the button "Confirm data entry"(the button is only available if all data has been entered correctly). Then fill out your contact information in step 3 and confirm your order by clicking on the “Complete checkout” button.
Based on the details you entered, our employees will generate an invoice and a delivery agreement. The invoice is valid for 5 banking days. VAT is included in the price of the goods and is highlighted as a separate amount in the invoice. The goods are shipped immediately after payment is received into our account.
Read more about possible discounts and placing an order in the section "Buy by bank transfer"
Happy shopping!
On May 15, 2015, Belarus completely switched to digital television broadcasting, so family council The average Belarusian family decided to purchase a new TV. Liquid crystal. Import. And terribly flat.
While eating potato pancakes, they discussed the new TV
For reconnaissance, the family went to the 5 Element store, where they unanimously fell in love with the Samsung UE40J5550AUXRU, adorned with a price tag of 9.3 million Belarusian rubles.
Here he is, an elegant handsome man
Our family was quite ordinary - dad and mom raised two children, received 3.5 million rubles each and had no other loans. This is where the backstory ends. The family was offered a choice of taking the TV in installments for 6 months, on credit for 1 year and in... some unknown “leasing”. Moreover, there were several loans from different banks, but only one leasing :)
When our heroes returned home, dad turned on the old laptop, and the family delved into studying all the nuances of the upcoming purchase.
And we found out that the rates offered in the store were still too high. It was worth the choice. It will result in the least overpayment, and repay monetary obligations It’s possible ahead of schedule (if dad’s salary is increased).
A big plus was also the absence of additional commissions and payments. The effective loan rate is 54% (it may be lower under certain conditions).
Therefore, the father of the family quickly wrote a formula, then it was transferred to Excel and the following calculations were obtained.
Annuity payment method (overpayment 2,938,747)
Differentiated payment method (overpayment 2,720,250)
Then a call was made to Paritetbank, where a specialist previously confirmed that 3.5 million for dad and 3.5 million for mom would be enough to get a loan. You can apply for money right now, the main thing is to have income certificate in 3 months. They promised to review the application within 3 hours and immediately issue the required amount. In your arms. By the way, they suggested where the nearest branch is located, which you can contact.
It turned out that leasing is financial instrument. Its essence is as follows. The lessor (company) buys an apartment, car or TV from someone (company or store), and then transfers this item for long-term lease with the right of purchase to the lessee (in in this case- our family).
The main thing is to make lease payments on time and to ensure that the leased asset is non-consumable. In other words, so that it cannot be eaten, poured into a gas tank or put into a washing machine :) The TV fit all these parameters. In the store, a new service was offered by the Privat Leasing company. This interesting document was found on the lessor's website.
Screenshot from lising.by
The data from this document was inserted into a formula in Excel to produce the following calculation.
Annuity payment for leasing (overpayment 3,523,357)
After this, a call was made to the Privat Leasing company.
“You can lease goods for 13 months,” explained the girl who answered the phone, “without a certificate of income, there will be an overpayment of 2.99% per month.” Do you want to register without a down payment?
-What is more profitable?
— If you apply without a down payment, you have 12 equal payments left. Payments will be 993 thousand 450 rubles.
— But you said leasing for 13 months...
- Yes, for 13 months - that is, if there is a down payment. It is considered as the first payment in the current month. And the next payment will go (for example, if you issued on May 15) until July 1. And if leasing is without a down payment, then you will need to make the current payment before June 1 (993 thousand 450 rubles).
— What if I make a 1 million down payment?
— Monthly payment you will have 886 thousand. That is, you deposit a million at once, and for 886 thousand you will still have 12 equal payments.
- And if suddenly there are problems with work, I won’t be able to pay. What will happen then?
— You will incur a penalty of 1% of the monthly payment for each day of delay.
- How long will she walk?
- Depending on how much you won't pay.
- Is there no fine?
— Is the installment plan in the “5th element” also from you?
- Yes. The installment plan is already without overpayments.
— Do I just break the cost into 6 parts and pay?
- No. Look. Installment plans are available only with an initial payment. Down payment from 20 to 40%. If you contribute 20%, this is 1.86 million. The remaining amount (7.44 million) is paid in equal payments over 6 months, 1.24 million rubles each.
— In this case, a certificate will also not be needed?
- Yes. Here, too, you will not need a certificate. Perhaps other leasing companies will offer more profitable terms? A call followed to Idea Finance JLLC
Screenshot from the site:www.ideafinance.by
An interesting juxtaposition: “fair leasing” and “get money (registration only takes 15 minutes!)”
However, over the phone, Idea Finance refused to explain any details of leasing transactions, but clarified that in fact a certificate of income is not needed. The main thing is to be a citizen of Belarus between the ages of 18 and 69.
A similar situation arose with the Easy Credit company. They confirmed that a certificate of income will not be required when drawing up a leasing agreement. But they did not go into details. They advised me to look at the list of partner stores on their website and contact them to draw up an agreement.
However, if the first page of the Easy Credit website loaded normally...
... then the store catalog stubbornly refused to load.
So, our family can take stock. And for clarity, summarize the findings in a table.
| Type of transaction | Overpayment | Certificate of income | Processing speed | Opportunity early repayment | Can funds be used for other purposes? |
| Borrow | 2 938 747
(annuity) 2 720 250 (differentiated payment) |
needed | within 3 hours | Yes | Yes |
| Leasing | 3 523 357 | need not | on site | Yes | No |
What happens?
Judging by the overpayment, a loan is more profitable. However, the family cheated a little with the loan. One of the most “profitable” loans was taken out, which will not be offered in the store.
If you look at the amount of overpayments on loans issued in stores, the minimum will be - 3 439 197 , and this is actually an overpayment for leasing.
Both the loan and the lease that were offered to our heroes can be repaid ahead of schedule. However, the money borrowed on credit can be spent on something else on the way from the bank to the store :) For example, on a refrigerator.
And it turns out that, judging by the offers at the point of sale, buying on lease is practically no different from buying on credit.
Except for one thing - a certificate of income is not required.
Draw your own conclusions. If you want to save money, you can take consumer loan in a bank, not in a store - and then credit decision will be more profitable. If you compare the loans in the store and the leasing offer there, it turns out that there are fewer problems with leasing.