At present, consumers in many parts of the country can already buy furniture by mortgage. Even if they have no financial ability, consumers can buy their favorite furniture in installments at furniture stores such as Chengdu Okailong and Chengdu Meike. In addition, such furniture malls continue to appear in Ningbo, Wenzhou, Nanjing and other places. Is this way of buying furniture in installments short-lived or will the entire prairie be burned with the fire of a star?
Some business practices are as follows: all consumers with Chengdu hukou, fixed residence, stable work and income who provide ID card hukou book and housing certificate can be directly processed without mortgage. Each consumer's loan amount ranges from 2,000 yuan to 50,000 yuan, the one-year loan interest rate is 5.58%, and the two-year loan rate is 5.76%. Only 5% to 20% of the down payment is required at the time of processing, and the method of repayment is monthly average.
The practice of Meikemeijia ’s flagship store in Chengdu is different from the real estate or car installment business. This installment service does not require consumers to pay the down payment, and the interest generated by the mortgage will be paid by the merchant instead of the consumer to the bank. Way, this seems to be more attractive, especially for young consumers.
Loan shopping is not uncommon. The current mortgage purchase of Chengdu furniture also came into being. How far can it go? The emergence of new things will always bring new power and new hope. However, new things need the market to test the needs. Time for people to accept. Loan purchase of furniture can drive the rapid growth of furniture sales and bring consumers a comprehensive shopping experience, but at the same time consumers should always maintain a calm and cautious attitude and not let themselves be crazy debt.
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