Promotion period: 03.02.2025 – 01.31.2026

Promotion conditions:

• You can use ARTEA LIZINGAS or INBANK LIZINGAS services by purchasing goods without price increase for up to 10 months.
• Choose billing periods of 3, 5 or 10 months.
• The offer is valid for all goods depending on the selected leasing company:

ARTEA LIZINGAS PERKU10 payment method applies to all goods!

• After paying all PERKU10 installments within 10 months, your goods and services will not become more expensive!
• When paying for goods with PERKU10 within 10 months, equal installments are paid, which are paid in full after payment.

INBANK LIZINGAS MOKI3/MOKI5/MOKI10 payment method applies to all goods!

• Have you chosen the desired product? You can buy it now, and you will pay in installments in 3/5/10 months.
• After fulfilling the terms of the MOKI3/MOKI5/MOKI10 discount, you will not be charged interest, contract administration and other fees - you will only pay the price of your purchases!

• Leasing payment also applies to discounted goods.
• The offer is valid for UAB Zbiga furniture restoration, delivery, delivery and/or assembly, non-standard administration services.
• The offer is not valid for furniture details (legs, armrests, fittings, etc.) and furniture upholstery (tapestries and natural leather) ordered separately.
• The discount applies to Magrės baldai, Smart baldai and Cilek brand showrooms and online at www.magresbaldai.lt.
• UAB Zbiga administration reserves the right to change the conditions of the promotion at any time.

More information about leasing conditions without increase is provided below.

You can view more general information about leasing here.

If you have any questions, contact customer service by phone +370 634 85000, by e-mail at info@magre.lt or to salon consultants in our branded salons.

SETTLEMENT WITH INBANK LIZINGAS WITHIN 3/5/10 MONTHS - WITHOUT ANY PRICE INCREASE

• Have you chosen the product you want? You can buy it now, and you will pay in installments in 3/5/10 months.
  
• After fulfilling the terms of the MOKI3/MOKI5/MOKI10 discount, you will not be charged interest, contract administration and other fees - you will only pay the cost of your purchases!
  

What is MOKI3/MOKI5/MOKI10?

This is a discount when you sign up for 24 months. consumer credit agreement, you are given the option to pay for your purchases in 3/5 or 10 months, in equal parts, without increase or to pay according to 24 months. schedule with lower installments with interest and other charges. If you choose to pay with MOKI3/MOKI5/MOKI10, it is important to make all 3/5 or 10 installments on time without delays. Otherwise, you will automatically be subject to 24 months. contract payment schedule with interest.

How does it work?

A consumer credit agreement will be concluded with you for 24 months. for the period in which the MOKI3/MOKI5/MOKI10 discount will be provided. You will be given the opportunity to pay for the goods in 3/5 or 10 months, paying equal installments until the day of the calendar month you choose, which is specified in the concluded contract. If you pay at least one installment of the MOKI3/MOKI5/MOKI10 discount, you will be subject to the 24 months specified in the contract. installment payment schedule with inflation. Premiums paid before the loss of the discount, if they are higher than the regular premiums specified for 24 months. in the installment payment schedule, can be set off as an early repayment of the loan part. In this case, the recalculated 24 months We will send you the payment schedule by e-mail. by post Regardless of the current payment schedule, you can always pay early. You can always find the amount of your contribution by logging in to the self-service website https://inbank.lt/ident/prisijunki.

Does MOKI3/MOKI5/MOKI10 apply to a specific product or to the entire shopping cart?

The MOKI3/MOKI5/MOKI10 discount applies to the entire shopping basket, i.e. regardless of how many items you put in your cart and if you chose the home delivery service, the MOKI3/MOKI5/MOKI10 discount will be applied to the total amount of the cart.

What if you miss a MOKI3/MOKI5/MOKI10 payment?

If you miss at least one installment of the MOKI3/MOKI5/MOKI10 discount, you will be subject to a 24-month grace period in accordance with the terms of the contract. payment schedule with inflation. Premiums paid before the loss of the discount, if they are higher than the regular premiums specified for 24 months. in the installment payment schedule, can be set off as an early repayment of the loan part. In this case, the recalculated 24 months We will send you the payment schedule by e-mail. by post Regardless of the current payment schedule, you can always pay early. You can always find the amount of your contribution by logging in to the self-service website https://inbank.lt/ident/prisijunki.

For example, borrowing €169.99 when the contract is concluded for 24 months. for the term. With MOKI3/MOKI5/MOKI10, you would pay EUR 56.66/33.99 in 3/5 or 10 months. However, if you are late in making the second payment on time, in which case you lose the right to the MOKI3/MOKI5/MOKI10 discount, then you are subject to a 24-month grace period. installment payment schedule with an annual interest rate of 26.9%, contract conclusion fee - 0%, monthly contract fee - 0.4125%, BVKKMN - 41.03%, total amount to be paid - €201.60, monthly payment - 8 €40. The financing conditions may change after your solvency and risk assessment, when you pay the initial installment or when you choose another contract term and installment payment date.

Why do I have to sign a contract with an Inbank branch, even though I buy goods in the Magrės baldai store or on the www.magresbaldai.lt website?

In order to pay for the product in installments and be able to take advantage of the MOKI3/MOKI5/MOKI10 discount, a consumer credit agreement is concluded. This service is provided by "Magrės baldai" partner "AS Inbank fililas", therefore the contract is concluded with this company.

I did not pay the MOKI3/MOKI5/MOKI10 installment on time. What will be the interest and contract fee?

Discount for unused MOKI3/MOKI5/MOKI10, 24 months. the interest and contract fee of the term consumer credit agreement will be calculated only from the remaining outstanding loan amount and from the date of interest recalculation.

For example, borrowing €169.99 when the contract is concluded for 24 months. for the term. With MOKI3/MOKI5/MOKI10, you would pay 56.66/ 33.99 or 16.99 EUR respectively in 3/5 or 10 months. However, if you are late in making the second payment on time, in which case you lose the right to the MOKI3/MOKI5/MOKI10 discount, then you are subject to a 24-month grace period. installment payment schedule with an annual interest rate of 26.9%, contract conclusion fee - 0%, monthly contract fee - 0.4125%, BVKKMN - 41.03%, total amount to be paid - €201.60, monthly payment - 8 €40.

What if I paid more than I should have on the original payment schedule?

If you paid more, no problem. It is important that you cover at least 2/3 of the contract amount with the second installment and fully cover the purchase amount with the third installment.

CONDITIONS FOR PAYING IN INSTALLMENTS WITH ARTEA LIZINGAS WITHOUT PRICE INCREASE

• PERKU10 payment method applies to all goods!
• After paying all PERKU10 installments within 10 months, your goods and services will not become more expensive!
• When paying for goods with PERKU10 within 10 months, equal installments are paid, which are paid in full after payment.
• If you choose a longer payment term for the goods, you will be able to pay the entire amount within 24 months, then the standard leasing conditions will apply.

For the convenience of customers, the contract specifies: the selected PERKU10 payment schedule and a longer (12-24 months) payment schedule for goods. A longer payment schedule for the goods is indicated immediately, so that if you choose to pay within a longer period, there is no need to adjust the contract.

If you wish to pay over a longer period of 24 months. term, the following conditions will apply to you: for example, borrowing EUR 300, when the contract is concluded with ARTEA leasing for 24 months, fixed annual interest rate - 16.00%, monthly administration fee - 0.30%, contract fee - 3.5% , the total annual rate of the consumer credit price is 28.76%, the total amount paid is EUR 386.36, the monthly payment is EUR 16.10. You may be offered other financing conditions, depending on the contract period, your solvency and risk assessment. More information - at the points of sale.