The chain of stores "Krasnoye i Beloe" sells alcohol, tobacco products, dairy products, canned food and other types of food and non-food products. The trademark is present in almost any locality in Russia. To attract new customers, the company regularly holds promotions and provides discounts for promotional codes in Red and White.

Offer terms

Promotions are held almost every month. Under the conditions presented, you can buy products of the following categories:

• toys;
• confectionery;
• cereals and pasta;
• canned food;
• tea and coffee;
• sausage and meat delicacies.

It is important to know! The promo code "Red and White" does not provide a 10 percent discount on products with a yellow price tag.

K&B specialists have developed a special application that can be downloaded for free on the Internet and installed on your phone. It allows:

• learn about promotions and discounts;
• find the nearest outlet;
• get acquainted with the goods and their prices;
• check alcohol for legality by the code in the check.

You need to download the program in the App Store or Google Play (depending on the mobile device).

To get a promotional code for "Red and White", you need to go to the site krasnoeibeloe.ru, go to the "Discount card" section and find the "Promo code with a 10% discount" subsection.

This section contains information about the conditions for granting a discount and the validity period of the code. To use the promo code for a discount in Red and White, you need to:

• install the application on a mobile device;
• go to the "Discount card" section;
• enter promo code.

Note! The promo code discount cannot be combined with discount card bonuses.

How to install the application

To install the program on an Android mobile device, you need to go to the Google Play Market and enter “Red&White” in the search bar. After that, click the "Install" button and accept the terms of the user agreement. Downloading takes less than 1 minute. The same steps can be done on iOS using the App Store.

If geolocation is disabled on your phone, you must select your location manually. At the bottom of the screen are sections:

• the shops;
• scan code;
• catalog;
• basket;
• Discount card.

Tip: You can link your loyalty card to your mobile phone in the app and present it in the store.

How to use the application

To start using the K&B program, you need to confirm that the person is already 18 years old. Then go to the catalog in which all products are divided into groups:

• novelties;
• gift ideas;
• wine;
• vodka;
• whiskey;
• juices, water;
• products.

In the "Stores" section, you can choose a point of sale where it will be convenient to pick up the goods. Then go to "Cart". Next to each product contains information about its availability in the selected store.

Reference: To reserve a product, the purchase amount must be more than 500 rubles.

In the "Discount card" section, you need to enter the promotional code in "Red and White", after which the price of all products in the basket will automatically decrease by 10%.

When all items are selected, you should reserve them. To place an order, you must specify:

• surname, name, patronymic;
• mobile phone;
• e-mail.

Then specify the time at which it will be convenient to pick up the goods, and click "Reserve".

It is important to know! Reserved products are stored at the outlet for 1 day, after which the reserve is canceled.

Application Benefits

In addition to the opportunity to get a discount using a promotional code for goods in the Krasnoe&White mobile application, this service has other advantages:

• user-friendly interface in Russian;
• visualization of store addresses;
• writing off and accruing bonuses without specifying personal data;
• fast scanning of a discount card.

Thus, the application allows you to save time when visiting the store. In it you can find out information about the availability of goods in a particular outlet.

Discount

A savings card with a discount is issued to each client over 18 years old who has made a purchase in any Krasnoe&Beloe store in the amount of 1,000 rubles or more. After receiving the card, it must be activated. You can do this on the company's website.

To activate you need to specify:

• surname;
• surname;
• contact number;
• e-mail;
• barcode;
• password.

Then click on the "Activate card" button. The issued plastic is registered and is not subject to re-registration to other persons.

Useful: The discount card will be activated three days after registration.

When activating the card, the person agrees to receive information materials by e-mail or via SMS messages.

If you link a discount card to a mobile application, you can use both plastic and electronic options when paying. You can bind to only one mobile device. Changing the gadget is available no more than once a month.

Discount percentage

Initially, the discount card provides a 1% reduction in cost. However, then the amount of bonuses increases depending on the amount of purchases:

• from 3,000 rubles - 2%;
• from 8,000 - 4%;
• from 18,000 - 6%;
• from 36,000 - 8%;
• from 60,000 - 10%.

Interesting! The maximum discount on the K&B discount card is 10%.

Linking a discount card to a mobile phone should only be done through the official Red&White application. Reading a barcode through third-party programs, such as Stocard, is prohibited by company rules.

If a discount card is lost or damaged, it cannot be restored. The buyer will have to get a new card when buying from 1,000 rubles.

The site of the company

On the Internet, on the website of the company krasnoeibeloe.ru, you can:

• view the product catalog;
• find the address of the nearest store;
• get information about the discount;
• find out the promo code for a 10% discount;
• download K&B magazine in PDF format;
• ask your questions via the feedback form.

In the "Calculator" section, it is proposed to calculate the amount of expenses for drinks during events. To do this, you need to set the parameters:

• number of guests;
• the duration of the event;
• alcoholic and non-alcoholic drinks;
• consumption level;
• budget.

After that, click the "Calculate" button. The system will calculate how many alcoholic and non-alcoholic drinks you need in liters and bottles. After that, options for the goods in stock will be offered, among which you can select products and reserve it.

Trading network "Red & White" cares about its customers and tries to make their purchases as comfortable and profitable as possible. A mobile application with the ability to activate a promotional code and receive a 10% discount is a real opportunity to save money by purchasing goods in the store.

https://www.site/2017-07-13/kak_poluchit_lgotnyy_kredit_na_pokupku_avtomobilya

“Income certificate is not needed, we will write it down from your words”

How to get a 10% discount and soft credit on a car

Jaromir Romanov/website

Russian Prime Minister Dmitry Medvedev signed a decree of the Russian government on amending the rules for preferential car loans for Russians. The document was published on the website of the Cabinet of Ministers on July 11. The state announced its readiness to provide customers with a 10% discount on the cost of a new car at the expense of the budget. This right will be available to those who buy cars under the state support program (see below for what it is), meet one of two criteria: these are families with two or more children (under the Family Car program) or people who buy a car for the first time ( program "First car").

How to get a 10% discount on a car

It doesn't seem to work yet. “We don’t have any information about this program yet. We know that it was accepted, but in terms of when it will be launched, I can’t even give a tentative estimate yet, ”a correspondent of our publication was told in the credit department of the AvtoGermes salon on Dmitrovskoye Highway (Moscow). “Indeed, the state announced such programs, but we didn’t receive any bulletins on this from the factory or from the banks, so they didn’t start acting,” they repeated the same thing at the UAZ East Wind dealership in Yekaterinburg. Approximately similar comments in Moscow and Yekaterinburg were given to us at the representative offices of Kia, Hyundai, Volkswagen.

According to optimistic forecasts of dealers, some clarifying information will appear within the next week or two. Meanwhile, a document published on the website of the Russian Cabinet of Ministers states in black and white that a 10% discount under the new Family Car and First Car programs is relevant for loan agreements “concluded from July 1, 2017.” Moreover, the Ministry of Industry and Trade of the Russian Federation has already been allocated budget allocations of 3.75 billion rubles for the implementation of the program. According to the calculations of officials, the money should be enough to sell 58.35 thousand cars at a discount of 10% this year.

Lada Center Pulkovo / auto.drom.ru

Whether it will be possible to get a recalculation of the cost for a car that is bought under the regular car loan program with state support right now is unknown. It is known more or less precisely that thanks to a 10% discount from the state, the amount of the down payment for the purchased car will decrease. Now it is, as a rule, 20% - accordingly, only 10% will remain.

It is also not known exactly what documents will need to be attached to the standard package, which is submitted when applying for a regular preferential car loan with state support. Dealers say that they will need a certificate of family composition from the passport office (for the Family Car program) and an extract from the registration database of the territorial division of the traffic police or the tax service about the absence of previously registered vehicles for the citizen.

To get a discount, you need to buy a car on credit under the state support program

To take advantage of the 10% discount, you must purchase a car under the state support program.

The state-supported car loan program was launched in 2013. The loan is issued in rubles only for Russian-assembled cars weighing up to 3.5 tons and costing up to 1 million 450 thousand rubles (previously there were thresholds of 750 thousand and 1 million 150 thousand. The entire line of AvtoVAZ, UAZ, some models of GAZ, Renault-Nissan, Peugeot-Citroen, Kia-Hyundai, Volkswagen.

Support consists in subsidizing the interest rate by the state to banks that have joined the implementation of this program. The list of banks with which they work will be prompted at any of the car dealerships. The discount is two-thirds of the refinancing rate of the Central Bank of the Russian Federation. Taking into account the fact that since June 1 the refinancing rate has been reduced to 9% (from 9.75%), this is minus 6% of the interest for using the loan set by the bank. “If now the average rate on a consumer loan fluctuates between 15-18% per annum, then on a car loan with a state program, it is kept within 7-11%,” East Wind explained.

Getting a car loan is easy. An initial deposit is required. For example, on UAZ "Patriot" in the maximum configuration, this is about 200 thousand rubles. Very rarely, aggressive banks are ready to provide a loan without a down payment (for example, this is what Sovcombank does).

If there is enough money for the contribution, go to the bank or credit department of the selected car dealership. You need to have your passport and driver's license with you. Young people of military age (up to 27 years old) will also need a military ID. Fill out an application for a loan. It is desirable to indicate as accurately as possible your place of work, position held and level of income. “A certificate of income is not needed, we will write everything down from your words,” AvtoGermes clarified. It will take from 1 to 3 hours to consider your application in Moscow, in Yekaterinburg, for comparison, one day.

Konstantin Kokoshkin / Russian Look

After that, the car is rolled out for you at the gates of the car dealership, handed over the keys and sent to the traffic police to register. There are 36 months of loan payments ahead. It is for such a maximum period that programs of preferential car loans with state support are designed. For example, you will have to pay about 25,000 rubles a month for a well-equipped UAZ Patriot, and 19,000 for a Chevrolet Niva.

By the way, Russian Prime Minister Dmitry Medvedev signed the latest decree on extending the program of preferential car loans with state support (not to be confused with the current change in conditions for large families and new car owners) on May 11, 2017. 10 billion rubles were allocated in the state budget for the implementation of the program. This money will be enough to stimulate the purchase of about 350 thousand cars produced in Russia.

Pitfalls of car loans and how to deal with them

The vehicle passport for a car bought on credit remains in the bank. It will be issued to you only after the loan is repaid. But this is not the saddest part.

An applicant for a car loan will have to include CASCO expenses in the list of their expenses - about 7% of the cost of the car, depending on the conditions of a particular insurance company. For budget cars, the annual payment will be something around 40-45 thousand rubles. It can either be deposited from your own funds or included in the body of the loan.

In addition, most likely you will be forced to take out another insurance on a voluntary basis. In Yekaterinburg, for example, borrower life insurance is common - plus 50-70 thousand rubles to the cost of buying a car. In Moscow, this is called "financial protection of payments against non-payment on a loan." “Various risks are insured: death, disability, sick leave, involuntary job loss. You can refuse, but this is an increase in the interest rate, ”said AvtoGermes.

According to auto rights activist Kirill Formanchuk, in his practice there were cases when, taking into account all the necessary payments, the total cost of buying an ordinary Hyundai Solaris city sedan under the program of preferential car loans with state participation exceeded 1 million rubles. Of this amount, only 300 thousand rubles had to be spent on life insurance.

DC Severny - Hyundai / VKontakte

But there is a hack. “We have a rule of the Central Bank of the Russian Federation - this is the so-called “cooling off period”. A person, in the case of an insurance service imposed on him, has the right not to argue in a car dealership, sign everything, and then send a letter to the insurance company within five days indicating his details and asking him to terminate the contract. All the money spent must be fully returned to him, ”says another auto rights activist Maxim Yedryshov.

Both of our experts disagreed on the effectiveness of the state program to support car loans. “Practice shows that the introduction of any state support programs stimulates the car market and helps it stay afloat. It is quite obvious that cars are becoming more expensive and people are starting to use preferential car loans more actively, since part of the interest rate is paid off by the state, ”Edryshov believes.

Total

To receive a 10% discount on a new car, you must be a family man with two or more children, or it must be your first car. The program is already working de jure, but not working de facto, so it's better to wait a few weeks. You can get a discount only on an inexpensive Russian-made car (up to 1.5 million rubles) purchased under a state-supported lending program.

Participants of the renovation program in Moscow will be given a 10% discount on the purchase of additional square meters and apartments, but it was decided to refuse preferential mortgages. The amount of the discount was approved at a meeting of the presidium of the city government.

"We are talking about additional square meters, when people want to purchase an additional apartment, or expand the area of ​​​​the provided apartment," Mayor Sergei Sobyanin explained, quoted by agency "Moscow" .

Participants of the program will be able to purchase apartments for an additional payment in the same building where they are provided with equivalent housing, or in another building, but in the same area. "Interfax". When buying additional meters, owners will conclude an exchange agreement with a surcharge with the renovation fund, tenants - a sale and purchase agreement.

You can pay extra for one or more apartments, but their total area should not exceed 100 square meters, said Deputy Mayor for Urban Policy and Construction Marat Khusnullin. To do this, you will need to send a written application to the Renovation Fund.

The size of the surcharge will be determined by experts, the calculation will be made at the market price, Khusnullin said. "Of course, at the first stage, the proposal will have a certain limitation, but after an increase in the number of houses built, such a program will be developed," the deputy mayor added. Sobyanin, in turn, noted that the procedure for acquiring additional meters and apartments will be "corrected taking into account the accumulated experience."

In addition to own funds for additional payments, it is allowed to attract maternity capital, housing subsidies, state housing certificates and other "sources not prohibited by the legislation of the Russian Federation." At the same time, the authorities decided not to develop a mechanism for providing preferential mortgages for those wishing to increase their living space during relocation. "Any city resident has the right, in addition to the guarantees and preferences provided, to take advantage of the right to take out a mortgage from any bank. Especially since mortgage rates are now falling," Khusnullin said.

You can use the right to purchase an apartment at a discount not only during the renovation process, but also within two years after moving into an equivalent apartment. The procedure for submitting applications and other conditions for acquiring apartments for a surcharge will be established by the regulations of the renovation fund, which is planned to be approved in the near future. It may establish cases of increasing the maximum area for certain categories of program participants.

In August last year, the newspaper "Kommersant" wrote that the city authorities were ready to offer the IDPs apartments of a larger area without additional payment, but within the limits of the district. It was also reported that an option is being considered in which residents of the houses being demolished will be able to move to larger apartments in their area with an additional payment, using preferential mortgage terms.

The chairman of the Moscow City Duma soon after said that the requests of Muscovites under the renovation program are one of the most popular requests received by deputies.

Since the beginning of July, two state programs have been launched in Russia - "The First Car" and "Family Car", which allow you to save a lot when buying a new car of domestic production. Within each of them, you can buy a new car with a 10 percent discount. At the same time, discounts can be combined with each other and with other measures to support car buyers. MIR 24 found out who can apply for and what models can be purchased at reduced prices.

As the names suggest, novice drivers and a mother or father of two or more children can become participants in state programs - for this you only need to present birth certificates. Anyone who has not previously acted as a borrower on a car loan and has not registered a car can participate in the First Car program. In this case, the age of the buyer does not matter.

In addition, it is important to take into account that, unlike the preferential car loan program, in the new state programs, the size of the down payment and the fact whether the car is taken on credit or not is not important. In any case, the discount will be 10% of the dealership price.

What cars can be purchased under these programs? First of all, the car must be new and assembled in Russia. In addition, its cost should not exceed 1.45 million rubles. So, under new programs with state subsidies, you can buy: all Lada and models, Volkswagen Polo and Jetta, Nissan models - Terrano, Almera, X-Trail, Qashqai, Sentra, Tiida, Toyota models - Camry and RAV4, Hyundai models - Solaris, Elantra, i40, Tucson, all models sold in Russia, except for Sorento and Quoris, as well as many other popular cars in our country.

It is very important to note that the discounts of new programs are cumulative with other offers. In our country, a program for new cars of domestic production has been operating for several years. The state pays for the buyer 6.7% of the bank's interest rate. So, if a financial institution gives a loan at 17.7%, then the motorist pays only 11%, the rest of the money is transferred by the state.

The combination of the Family Car program and a subsidized loan rate is very beneficial. Let's say a driver with two children wants to buy a Lada Vesta on credit for three years, which costs 580,000 rubles. He applied to the bank and was offered a loan at a rate of 17.85%. Without participating in any programs, he would have to pay almost 21 thousand rubles a month - as a result, the car would cost him 756 thousand rubles.

Meanwhile, under the family program, the price is reduced to 522 thousand rubles, and subsidizing the loan reduces the interest on the loan to 11.15%. As a result, a driver with many children will pay the bank 17 thousand rubles a month, and the total cost of a new car will be 616.7 thousand.

The client will receive no less benefit if he takes advantage of the First Car program and car loan subsidies. Let's say a certain driver has just graduated and got his license. He dreams of buying a brand new Ford Focus, which costs 669 thousand rubles. To do this, he intends to use a loan with a base rate of 17.85%. Without state programs, the driver would pay 24.1 thousand rubles a month - while the real cost of his car would be 869 thousand. Having received a discount under the First Car program and using a subsidized rate, he will pay 19.8 thousand rubles for a car every month and will spend a total of 711 thousand.

It is also worth noting that participation in state programs allows you to offset the overpayment on the loan if it is possible to pay the down payment. For example, if you decide to buy a Hyundai Solaris for 625 thousand rubles and can immediately pay 120 thousand rubles, and take the rest of the amount on credit for three years, then taking into account the discount and subsidizing the rate, the loan payment will be 14.5 thousand per month. Thus, for three years you will pay 522 thousand rubles, and taking into account the first installment, the car will cost you 642 thousand.

Using discounts is one of the most effective ways to stimulate sales. A one-day discount, a holiday discount, a discount on the first purchase - this is just the beginning of the list of possible options for generating sales with the help of attractive offers for the buyer. But how can retailers know what percentage of a product's price to drop? Does the discount actually work?

There are several popular strategies for pricing products, including doubling the price, using the manufacturer's recommended price, different prices for different buyers, or a discount price. In this material, we will learn how to correctly set a short-term discount on goods in retail sales.

Determine the value of your product

Before putting a product on a discount, you need to find out how much this product costs for yourself. This can be done with a simple calculation:

Wholesale Price + Shipping Cost + Estimated Shipping Cost = Cost of Item

The wholesale price is the amount for which you purchased the item. Freight costs are your costs for transporting each item from a wholesaler or manufacturer. For example, if you buy 10 items for $10 and pay another $5 to ship those items to your warehouse, the actual cost per item is $1.50 - price plus freight.

If you are expected to spend any resources on delivering the goods to the buyer, you need to add this cost to the price. If, for example, you spend an estimated $1 on average shipping to a customer, then your item now costs $2.50. This is its cost.

As a more specific example, let's say you sell sunglasses. Each pair costs $6.99 if you buy 144 pairs of glasses at once, and shipping costs 81 cents per item. Let's say you charge the shipping cost to the buyer. In this case, the cost of each pair of glasses for you will be $ 7.80:

6.99 $ + 0.81 $ + 0.0 $ = 7.80 $.

Know your sales history

Before you can calculate a discount for an item, you need to raise its sales history at the regular full price. You must know your profit from each unit of this product sold, as well as the amount of this product that is usually sold in a certain period of time - a week or a month.

Before setting a reasonable discount on a product, determine its cost and the goals you want to achieve with this discount.

Let's go back to the glasses example. You already know that each pair costs $7.80. If you sell a pair of glasses for $9.99, you will make $2.19 profit on each pair. Further, based on data from previous sales, you can expect to sell 250 pairs of glasses per month. That is, if you sell glasses at the regular full price, you will make an estimated profit of $547.50 each month.

You must have a reason to discount

The discount for you must have a reasonable pretext, for example:

• increase in profit;
• reduction of product balances in the warehouse;
• attracting new customers.

Your goal will determine how you will form the price of the product and measure the success of sales as a result. For example, if your goal is to increase your profits, make sure you offer a bargain price for the product. If your goal is to get rid of stock items, you need to focus on selling as many units as possible.

Set the discount amount

So, the discount has a purpose. Now let's think about the size of the discount. Let's say you want to increase your April points earnings by 10%. The discount can attract sales, so you're willing to give away $9.99 worth of glasses for $9.49 - minus 50 cents on a pair of glasses, or 5% off.

With the full price, you would have supposedly earned $547.50 in April. To do this, you would need to sell 250 points, receiving $2.19 from each pair. To achieve your goal of 10% profit increase, you need to generate $602.25 in profit.

Since selling the $9.49 discounted item is making $1.69 profit ($9.49 - $7.80), you need to sell 357 pairs of glasses. When setting a discount price, make sure you set a realistic target.

In our example, the retailer needs to sell 157 additional items to offset the 5% discount. Let's say 300 pairs of glasses will be sold, which, in principle, is more than usual. But still, the business profit in this case will fall from $547.50 to $507, and the store will lose $40.50. So perhaps the $9.49 rebate price is a bit low for this particular purpose. But if, say, the purpose of the discount was to sell off the remaining goods, this price could work.

We measure the result

And finally, the final step is to evaluate the result of the discount against your goals and expectations.

Also try to always monitor the result during the entire period of the discount. For example, let's say your goal is to increase profits in April, but by the 5th of the month you already have 10% profit and 157 additional units sold. In this case, you better reduce the discount a little, and next time, perhaps even try to promote the sale of this product without it at all.

Conversely, if on April 5 there are no signs that the discount is attracting new orders, you should remind about it again by email in the mailing list or consider ending the promotion.

A discount is a great way to encourage new sales. But you should never set discounts blindly. It is important to carefully plan and calculate everything in order to sell the product without going broke.