Buying copper on installments with Charisma

The copper plan at a glance

General product information reviewed on 21 October 2026. Each order establishes its usable amount, payment schedule and costs in the account.

The copper plan at a glance

Provider	What is purchased	Initial payment and term	Sign up & view the plan
Charisma	Copper-linked investment plan; no check or external guarantor advertised	40% initial payment; 3, 6 or 12 months	Sign up for copper installments ↗

Charisma’s copper installment plan

A copper investment or a physical supply order?

An industrial order specifies metal type, weight, standard, loading arrangements and transport costs. Cathodes, sheet, pipes and scrap are different products with different prices and delivery terms.

An investment holding is recorded and valued under its product rules. A balance does not itself establish an allocated shipment awaiting collection. Physical procurement, a commodity deposit certificate and a copper investment plan have different contracts.

Minimum orders and the advertised ceiling

The dedicated service distinguishes installment buying from cash purchases and advertises a one-billion-toman ceiling. Available account credit can differ from that general limit.

The purchase value also differs from credit principal when part of the price is paid upfront. Combined limits across gold, silver and copper are not the ceiling for one copper order.

How much cash is needed at the start?

An initial payment contributes to the asset price. Separate processing or service costs also affect the cash needed to begin.

For a 25-million-toman purchase starting with a 40% payment, the buyer contributes 10 million toward the price, leaving 15 million. This calculation has not yet included financing costs or separate charges.

A hypothetical copper repayment example

Assume that purchase uses six illustrative installments of 2.7 million tomans after the initial 10 million. These figures explain the arithmetic and are not a Charisma tariff or offer.

Separate costs increase the total. A lower monthly amount over a longer term does not necessarily reduce the total cost. Article amounts are in tomans; one toman equals ten rials.

Trading commission versus credit cost

A cash-trading rate describes that transaction rather than the cost of multi-month financing. Credit costs can appear within installments or as separate charges.

Add the initial payment, all installments and other costs to establish total paid. A copper price per gram alone does not establish the amount needed to settle the credit balance.

How copper prices relate to installments

Industrial demand, supply and exchange rates can affect a copper-linked holding’s toman value. Entering a plan does not establish copper’s future price.

With a fixed schedule, a market move does not automatically change the installment. A price fall can reduce the holding’s value while debt remains. A price rise also needs to be considered alongside financing costs.

Selling before repayment and early settlement

The official product description blocks the holding until full settlement and does not provide sale or cancellation before then. Early repayment is offered as a separate operation.

The app’s loans section provides an early-settlement request for the copper plan. The request establishes the amount payable; simply adding remaining installments does not necessarily produce that figure. Releasing collateral also does not automatically deliver physical copper.

First installment and overdue payments

The service describes the first installment as starting the following month. Actual due dates appear in the account. Its terms also describe collection from collateral when an installment remains unpaid.

A blocked balance therefore secures repayment rather than merely displaying an investment. A lower copper price per gram than gold does not reduce a toman obligation on an order of equal value.

Cash buying, installments and copper-company shares

A cash plan requires payment at purchase. Installments spread payment while adding credit costs and access restrictions.

Shares in a copper company do not represent the same weight of metal in an account; company performance and equity-market conditions matter. These routes differ in the asset purchased and how it is accessed.

Orders and payment schedules

An order records the account verification, copper plan and purchase amount. It displays the initial payment, installment dates and service charges. Confirmation adds the payment schedule and holding status to the account.