The "Instant Installments" service from Alfa-Bank Ukraine is a useful tool for those customers who, when making a serious purchase, want to distribute their funds more profitable and pay the purchase price in installments.
In order to improve this service, Alfa-Bank Ukraine has made an upgrade, when a client pays for a purchase, even if he has its own money, he is receiving an installment offer for the difference between the amount of the operation and its own funds, provided that this difference is not less than UAH 1000 – the minimum threshold of the offer by installments.
For example, if the customer made a purchase for the amount of UAH 1300, and at the same time he has 5 UAH of own funds on the account, the client will receive a proposal from the bank to pay out UAH 1295 (with a deduction of UAH 5 of own money) by installments.
Please note that if the customer's own funds were on the account at the time of purchase, the client will receive an offer for installments not immediately after the purchase, but after the financial write-off of this purchase.
Installments will not be issued if own funds appeared on the customer's account after purchase, but before the fact of financial write-off, and also if the installment amount is less than UAH 1000.
Here are some examples of the proposals for installments:
Example 1. The customer is making a purchase on August, 31 for the amount of UAH 3100. In this case, the customer has UAH 5 of its own funds on account. The client will receive an SMS with the offer for the amount of UAH 3095 not on August, 31 but on September, 2, when the financial write-off is completed.
Example 2. The customer is making a purchase on August, 31 for the amount of UAH 3100. In this case, the customer has not its own funds on account. Then on August, 2 financial write-off for UAH 3100 is made. At that time the client has his own funds of UAH 5 on the account. In this case, the client will receive the next SMS with a refusal.
Example 3. The customer is making a purchase on August, 31 for the amount of UAH 1000. In this case, the customer has UAH 5 of its own funds on account. The client will not receive an SMS with the offer, because the installment amount is UAH 995, which is less than the minimum amount – UAH 1000.
Example 4. The customer is making a purchase on August, 31 for the amount of UAH 1000. In this case, the customer has not its own funds on account. The client will receive an SMS on August, 31 with the offer for installments.
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