Today, everyone is connected. It is a long time ago when the computer was confined to the office! Whether you are passionate about IT, self-employed or just want to stay in touch with your loved ones, the computer is essential.
A computer as needed
Whether you are a geek or grandparents who want to chat with their grandchildren, your computer hardware needs are not the same. You may only need a simple computer, you may want the PC that will allow you to network with your friends, you can be freelance and need new equipment… But the constant is the price that it can represent. Even photo, music or film editing software can be expensive!
IT, a budget to evaluate well
When you start planning your purchase or replacement of computer equipment, you do not always think about side effects. Indeed, several possibilities are available to you. The so-called “plug and play”: the computer that just plugs in and works (almost) right away. Macs are the perfect example of this principle. But you still have to buy a CD player and an external hard drive, some software… Computer enthusiasts, meanwhile, will embark on the computer to compose oneself in order to master all the components. In this case, it will buy motherboard, RAM, hard disk, network card, graphics card and sound, screen, keyboard, mouse, etc. Even tablets, which seem to be self-sufficient, need accessories: keyboard, protective cover, connection kit, support… small expenses that, put end to end, increase the bill!
A project, a budget
Once you have determined what your computer needs are (hardware, software, accessories, services such as extended warranty or home support), you can establish a specific envelope. Whether you only need a tablet and its accessories for a few hundred euros or a Mac latest model with software graphics and photo editing to several thousand euros, the loan simulator can give you everything immediately an overview of your project (monthly, rate, cost of credit…), which you will only have to confirm online or with a Cofinoga advisor. Once the necessary documents are submitted, your credit report is analyzed by the Cofinoga experts and you receive your loan agreement within a few days.