Shopping in installments without interest rate

Bearing in mind the needs of our clients we provided possibility of shopping in several monthly installments including additional favourable conditions. You may shop goods for furnishing your home or business premises, both interior and exterior, as well as for agricultural and forest mechanization.

FAVOURABLE CONDITIONS:

-        -  Shop goods in installments without interest rate or provision

-        -  Repayment period  3 – 12 months

-        -  Amount  - up to 3.000 €

-        -  Over 28 shops of the listed partners throughout Montenegro where you may shop goods in installments.

NETWORK OF PARTNERS

Broad network of partners enables you to shop goods without interest or provision. Take a look at list of partners with whom we have concluded contracts on cooperation and find the partner for your necessities. The network of partners will be extended in the period to come in order to open doors for and provide possibility to wide population to furnish their home or business premises under the most favourable conditions. 


 

 

PARTNER

 

SERVICES

REPAYMENT PERIOD AND AMOUNT

ADRESSES OF SHOPS OF PARTNERS

WEB- SITE

TehnoPlus and

Bla Bla Shop

Electrical home appliances,  computer equipment and mobile phones

From 3 to 12 months

 

Up to 3.000€

Podgorica 1 - TehnoPlus XL , Stari Aerodrom, Bulevar Josipa Broza 67

           

Podgorica 2 - City quarter 5-3, opposite to Delta City

 

Herceg Novi - Ul. Dr Jovana Bijelića bb (at highway)

 

Kotor - Škaljari bb (near bus station)

 

Budva–Merkur building (at bypass way)

Ul. Žrtava fašizma bb

 

Bar - Ul. Jovana Tomaševića 30

 

Nikšić–Shopping centre HDL, Bulevar 13.jula

 

Pljevlja - Ul. Mila Peruničića bb (opposite to the market)

 

Bijelo Polje–Ul. Radomira Medojevića 16

 

BLA-BLA City by TehnoPlus, Podgorica - City quarter, part 1, opposite to Delta City

 

Bla-Bla 1 by TehnoPlus Podgorica - TC Bazar, Blok V

 

Bla-Bla 2 by TehnoPlus Podgorica

Ul.Kralja Nikole19 –Metalka building

 

www.tehnoplus.me

Cungu & Co

Wide variety of consumer goods and professional goods for catering industry

From 3 to 12 months

 

Up to 3.000€

Podgorica 1 - Zabjelo bb

 

Podgorica 2 - Oktobarske revolucije

 

Bar - Near the green market

 

Kotor - Zlatne njive bb

 

Tivat - Kukoljina bb

 

Budva –22. novembar bb

 

Herceg Novi - Meljine bb

 

Nikšić - Bulevar 13. Jul

 

Ulcinj - Totoši bb

 

www.cungu.com

Imperijal DOO

Equipment for interiors and construction materials

From 3 to 12 months

 

Up to 3.000€

Podgorica - Pera Ćetkovića 149, Stari Aerodrom

 

Bijelo Polje - Svetog Petra Cetinjskog bb

www.imperijal.me

Mikro Mont DOO

Heating and cooling systems, joinery and  carpentry hardware, board materials

From 3 to 12 months

 

Up to 3.000€

Podgorica -  Bulevar Miloša Rašovića, Zabjelo

 

Bijelo Polje - Kruševo bb

 

Tivat - Dumidran bb

www.mikromont.co.me

Ramond DOO

Furniture, carpets and lightening equipment

From 3 to 12 months

 

Up to 3.000€

Nikšić - Ozrinići bb

www.ramond.me

Mikro Grupa DOO

Wide variety of consumer goods, forest and agricultural mechanization, spare parts and equipment

 

From 3 to 12 months

 

Up to 3.000€

Bijelo Polje -

www.mikro.co.me

 

 

 

 

 

 

 

 

 

 










































PROCESS OF SHOPPING

 

The process encompasses several steps to be taken, from application for a loan until the realization. Participants in the process are client/buyer, Partner Company and Alter Modus.

Step no. 1: Client/buyer gets pro-forma invoice from the Partner Company from which he/she plans to shop the goods. There shall be the following information stated on the pro-forma invoice: names of the products the buyer is interested for, their retail sale price with VAT included, as well as possible additional discounts, information about the buyer (name, surname, residence address, unique personal identification number). The pro-forma invoice is to be sealed and signed by an employee from the partner's shop.

Step no. 2: Client/buyer comes to an Alter Modus office. According to the pro-forma invoice provided, loan adviser of Alter Modus processes Loan application. The amount of the loan to be granted is the total amount stated on the pro-forma invoice.

The loan is exclusively granted to a person whose information was stated on the pro-forma invoice.

After having granted the loan, loan adviser informs client about it.

Client signs Loan agreement.

Step no. 3: Client/buyer presents the Loan Agreement at the shop of the Partner Company. The agreement has to be sealed and signed by the loan adviser of Alter Modus. The information about client/buyer stated on the Loan agreement has to be identical with his/her personal information.

The Loan agreement serves as evidence that cash assets were granted by Alter Modus. According to the Loan agreement client/buyer is delivered the goods.

 

SHORT OVERVIEW OF THE CONDITIONS OF SHOPPING

 

Short overview of the conditions of shopping

 

 

 

 

 

 

 

 

 

 

 

AMOUNT

                                         301-3000 €

            100-300 €

 

 

 

 

 

 

NUMBER OF INSTALLMENTS

   3

   4

   5

  6

   7

   8

   9

  10

  11

  12

INTEREST RATE

0%

PROVISION

0%

 

SHOPPING IN INSTALLMENTS is granted to:

  • Permanently employed persons;
  • Persons employed under fixed-term contracts, generating income over a minimum of twelve consecutive months;
  • Retirees of the Pension and Disability Insurance Fund of Montenegro;
  • Natural persons generating revenue from entrepreneurship.

At least one collateral is required. Regarding collaterals, it is to be arranged with loan advisers.

 

Possible collaterals: Writ of execution, Personal writ of execution, Guarantee agreement, pledge or bill of exchange issued by legal entity.

For more detailed information please visit any Alter Modus office or retail shop of our partners.