Prodaja na rate

 

We have enabled installment purchases in the following ways:

 

PREMIUM AND PREMIUM PLUS cards of Hipotekarna Bank

Users of PREMIUM and PREMIUM PLUS payment cards of Hipotekarna Bank AD Podgorica are allowed to purchase in 2 to 6 monthly installments with an approved discount of 8% and in 7 to 10 monthly installments with an approved discount of 6% for total bill amounts over 20 euros.

 

LA RATA Societe Generale Montenegro Bank

Users of LA RATA payment cards of Societe Generale Montenegro Bank AD Podgorica are allowed to purchase up to 24 monthly installments, with an approved discount depending on the bill amount, as shown in the table below:

Amounts (EUR)	Number of installments	DISCOUNT
20.01 - 50	2	11%
50.01 - 100	3	10%
100.01 - 150	6	9%
150.01 - 200	9	7%
200.01 - 2000	12	5%
2000.01 - ∞	24	2%

 

CKB Shop & GO Montenegrin Commercial Bank

Users of CKB Shop & GO payment cards of Montenegrin Commercial Bank AD Podgorica are allowed to purchase up to 12 monthly installments, with an approved discount depending on the bill amount, as shown in the table below:

Amount (EUR)	Number of installments	DISCOUNT
1 - ∞	2,3	11%
1 - ∞	4,5	10%
1 - ∞	6,7	9%
1 - ∞	8	8%
1 - ∞	9,10,11,12	7%

 

Union Organizations

Members of union organizations are allowed to purchase and pay in up to 10 monthly installments, with approved discounts depending on the number of installments, as shown in the table below:

Amount (EUR)	Number of Installments	DISCOUNT
1 - ∞	2,3	11%
1 - ∞	4,5	10%
1 - ∞	6,7	9%
1 - ∞	8,9	8%
1 - ∞	10	6%

 

Union organizations with which we have a sales agreement are:

1. Center for Contemporary Art Podgorica
2. Elektroprivreda Crne Gore
3. Vodovod i kanalizacija Podgorica
4. Universal Capital Bank Podgorica
5. RTCG
6. Vatrogasno drustvo Bar
7. Carina

 

Consumer Loans

By signing an agreement with all business banks, we have enabled you to purchase products in our stores through consumer loans.

The procedure is as follows:

After selecting a product, we create a preliminary invoice with which you go to the bank where you are a client. At your bank, you will be issued forms for a consumer loan. You need to verify these forms in the company where you work or in the PIO fund, and then return them to the bank. After the loan is approved, with the loan agreement, you come to us to pick up the selected products.