I don't know when it started. The 80s and 90s consumer groups with advanced and fashionable consumption concepts regard credit card consumption as a fashion, but holding the bank's reminder documents every month is helpless. Faced with the pressure of high housing prices and high prices, early consumption is not their wish. Helpless, helpless, life pressures still exist, limited economic conditions make them become "house slaves", "car slaves", and now even the loan to buy furniture has quietly entered the life of this group of people.
Consumers installment loans popular consumers have their own opinions
Recently, news of the increase in the down payment ratio of the first home loan has spread in many cities across the country. Some people in the banking industry told reporters that in Guangzhou, some big banks have increased the down payment ratio of first home loans to 40%, and some banks have raised the interest rate of first home loans to above the benchmark interest rate. In addition, some banks also charge various forms of handling fees to increase profits.
Although there is still a "consumption of buying only a few thousand dollars, do I need a mortgage to buy?", "I don't want to buy a piece of furniture if I don't have money," but buying a piece of furniture by mortgage is a trend. It is already obvious. The insiders also expressed their views on this phenomenon. In general, the view that mortgages buy furniture “benefits outweigh the disadvantages†has the upper hand. When the two sides agree and oppose each other, the biggest profit-seekers are furniture companies and major banks.
Who is the biggest interest of corporate banking consumers?
“Now, the demand for mortgages is very large, the scale of bank loans is limited, the conditions for accepting business are also improved, and the requirements for credit customers, credit requirements, and personal data provision of loan customers are more stringent.†A bank account manager said that in real estate Under the control, the decline in house prices is not obvious, and the mortgage policy may still tend to be “tightâ€. In spite of this, the bank can still obtain profits from the loan business, and the handling fee is charged by the bank for the positive flag. This fee may be required to be paid in one lump sum or once a year. "Wool is on the sheep," and the bank will never lose in this sale.
At present, the mode of buying furniture by mortgage is that the furniture manufacturing enterprise cooperates with the decoration company and the bank, and the decoration company recommends the product. After the bank confirms the contract, the company finally places the order. This is very different from buying a house and buying a car. For consumers, mortgage buying furniture has a large autonomy, so it takes a lot of initiative, but in fact the biggest beneficiaries and promoters are enterprises. Because the mortgage purchase of furniture is widely accepted, it can greatly promote the increase in furniture consumption, but in this process the risk is zero. In addition, the bank has also taken a larger profit from it but has almost no responsibility.
High-quality after-sales service mortgage furniture is awesome?
"To spend tomorrow's money to buy today's things" is now becoming a consumer trend, and it is not uncommon to buy house installments, installment installments, and purchase installments. Now, even furniture companies have jointly launched the purchase of furniture interest-free installments. service. Loans to buy furniture, or will become an innovative consumption model, driving a new development in the furniture industry. But how far can this new thing go?
In Guangzhou, the public buys furniture on mortgages is not as enthusiastic as the business imagines. Most people will have such worries: mortgages have already paid more interest on buying furniture. If the merchants only use the amount of turnover, there is no quality after-sales service. Then, are we not worth the loss? In the eyes of consumers, perhaps the most direct beneficiary of mortgage furniture is the merchants, whose turnover will rise due to the bank's loan policy support, so it is easy to ignore the after-sales service that consumers are most concerned about, and there is no complaint. The return is unreasonable, so many consumers choose a wait-and-see attitude in front of the mortgage furniture.
The payment method of mortgage furniture is popular in the market. I hope that the ultimate goal is to encourage enterprises to pay more attention to quality assurance and provide better services, so as to give consumers more benefits and make consumers more willing to accept mortgages to buy furniture. mode.
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