SYNERGY Installments

Select the type of installment plan

Car by Installment is an excellent alternative to the banks' car loan programs. Provide the minimum set of documents and receive funds to buy a car even if all banks refused a loan.

Buying a car in installments is available on individual terms that take into account all the wishes of the shareholder of the cooperative, his/her capabilities and financial situation.
You need to wait your turn to receive the car, which works according to the following principle:

A pool is formed for the purchase of a car for the first shareholder in the queue from the funds contributed as down payments by the participants standing in the queue under the Car by Installment program. Then the pool is formed for the next shareholder in the queue, etc. The maximum waiting time in the queue is 3 months, after which either the shareholder standing in the queue waits for the pool to form and receive the car, or the Synergy ICC returns the amount of the down payment with a yield of 10% per month.

For example, you plan to buy a $20,000 car and deposit 20% of this amount, that is, $4,000.
After 3 months, either a pool will be formed for you and a car worth $20,000 will be bought, or the down payment in the amount of $4,000 will be refunded, plus an investment yield of 10% per month in the amount of $1,200. Thus, the total refund amount—if it is impossible to form a pool for you to buy a car—will be $5,200.

Commissions and fees for the Car by Installment program

5% of the collected funds for the purchase of a car under the Car by Installment program are collected as a fee for Synergy, acting as an agent-intermediary and organizer of this program.

Car insurance services (MTPL and Comprehensive Cover) are paid at the expense of the member of the Car by Installment program who receives this car.

The costs of re-registration of the car in the traffic police are carried out at the expense of the participant of the Car by Installment program.

Compulsory membership fees of ICC Synergy in the amount of:
  • $ 5 registration fee
  • $ 15 minimum share
  • $ 15 monthly fee

Only shareholders of ICC Synergy can be participants of the Car by Installment program.

Installment calculator

Fill in the parameters
Enter the cost of the car, $
Enter your down payment*, $
Choose the term of the installment plan, months.
Monthly payment after buying a car**, $

* The following are added to the down payment when buying a car:

  • $5 co-op registration fee
  • Share contribution $15 (refunded when leaving the cooperative)
  • Paying for compulsory third party car insurance and comprehensive car insurance (except liability)
  • Car re-registration costs
** The following are added to the monthly payment after purchasing the car:
  • Monthly contributions of the cooperative shareholder in the amount of $15 per month

Instructions for the program Car by Installment

Register on synergy.group.
Top up the Start Wallet for the amount required to participate in the program.
In your personal account, submit an application for the Car by Installment program.
Pay for the program, and the required membership and shareholder fees.
Sign the necessary agreements with ICC Synergy.
The system will automatically place you in the car purchase queue with a visual display of your place in the queue and a countdown timer.
Within 3 months, the company will buy your chosen car, or after 3 months it will return the amount of your down payment plus an investment yield of 10% per month.

Real Estate by Installment is an excellent alternative to the banks' mortgage programs. Provide the minimum set of documents and receive funds to buy real estate even if all banks refused a loan.

Buying real estate in installments is available on individual terms that take into account all the wishes of the shareholder of the cooperative, his/her capabilities and financial situation.

You need to wait your turn to receive the property, which works according to the following principle: A pool is formed for the purchase of real estate for the first shareholder in the queue from the funds contributed as down payments by the participants standing in the queue under the Real Estate by Installment program. Then the pool is formed for the next shareholder in the queue, etc. The maximum waiting time in the queue is 6 months, after which either the shareholder standing in the queue waits for the pool to form and receive the property, or the Synergy ICC returns the amount of the down payment with a yield of 10% per month.

For example, you are planning to buy a property worth $100,000 and have contributed 20% of this amount, i.e., $20,000. After 6 months, either a pool will be formed for you and a property worth $100,000 will be purchased, or you will be returned the amount of the initial payment of $20,000 plus an investment yield of 10% per month in the amount of $12,000; thus, the total amount of return if it is impossible to form a pool for you for real estate purchase will be $32,000.

Commissions and fees for the Car by Installment program

5% of the collected funds for the purchase of a car under the Real Estate by Installment program are collected as a fee for Synergy, acting as an agent-intermediary and organizer of this program.

Real estate insurance services are paid at the expense of the member of the Real Estate by Installment program who receives this property.

The costs of re-registration of the property with the registration authorities are carried out at the expense of the participant of the Real Estate by Installment program.

Compulsory membership fees of ICC Synergy in the amount of:
  • $5 registration fee
  • $ 15 minimum share
  • $15 monthly fee

Only shareholders of ICC Synergy participants of the Real Estate by Installment program.

Installment calculator

Fill in the parameters
Enter the cost of the property, $
Enter your down payment*, $
Choose the term of the installment plan, months.
Monthly payment after buying the property**, $

* The following are added to the down payment when buying a property:

  • $5 co-op registration fee
  • Share contribution $15 (refunded when leaving the cooperative)
  • Real estate insurance premium
  • Costs of property re-registration
** The following are added to the monthly payment after purchasing the property:
  • Monthly contributions of the cooperative shareholder in the amount of $15 per month

Instructions for the program Car by Installment

Register on synergy.group.
Top up the Start Wallet for the amount required to participate in the program.
In your personal account, submit an application for the Real Estate by Installment program.
Pay for the program, and the required membership and shareholder fees.
Sign the necessary agreements with ICC Synergy.
The system will automatically place you in the real estate purchase queue with a visual display of your place in the queue and a countdown timer.
Within 6 months, the company will buy the property you have chosen, or after 6 months it will return the amount of your down payment plus an investment yield of 10% per month.
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This program will be available on 04/12/2020