Home installment payment can solve the problem of rising costs

The citizen Mr. Zhang bought a 100-square-meter house in Jiangbei Hongyi Mansion last year and plans to be a wedding room. After he and his fiancée's two families cobbled together 250,000 to pay for the first period, there was no money for decoration. “The two people add up to about a million yuan a month, and they still have to spend on peacetime. There isn’t much monthly income.” Mr. Zhang said that the current situation is either trying to borrow money from relatives or friends for decoration or decoration. Things will be far away.

Buy the house, no money to decorate. As Mr. Zhang’s case, it is common in many home buyers in Huizhou. In particular, some young people who buy their own homes for the first time have little savings, and the decoration money is a lot of pressure.

Many homeowners and home improvement companies negotiate the renovation program, often because of lack of funds by a variety of restrictions. Huizhou Jixiang Decoration Design Co., Ltd., the person in charge told reporters that in the process of negotiating the design proposal, the owners control the cost, many times to modify the renovation program, there are also owners of the situation in the case of default decoration.

Coupled with the rise in the cost of raw materials and logistics in recent years, the home improvement standards have been introduced in succession, and many home improvement companies have experienced different degrees of quotations. "Several years ago, 150,000 can decorate a house of about 100 square meters more elaborately, and now the effect of renovation of the cost of 150,000 yuan is all in general." Ms. Zhou, who has already purchased the second house, sighs.

The longest period of bank installment payment is generally in the quasi-ownership group with two to three years of shortage of funds. In recent years, China Construction Bank, Agricultural Bank of China, and Bank of China have launched home-installment installment payments in Huizhou.

Different banks have different restrictions on the amount of loans, payment cycle, interest, and other conditions. Taking China Construction Bank as an example, the longest payment period is 3 years, and the maximum loan amount is 200,000. Half-year repayments are free of interest. At present, it has cooperated with more than 40 home improvement companies, building material traders and furniture traders such as Huizhou Mingjiang Decoration, Huiquanshan Baojiantao Supermarket and Jialiya Cloth.

Then, how is the installment payment for home improvement received? The relevant staff of the Construction Bank *** Center introduced that the installment payment for home installments is based on the number of consumer applications, while the interest rates for different cooperative merchants are different. For example, the cooperation agreement between the Construction Bank and the decoration of the master craftsmanship is that the 6-phase fee is 0, the 12-phase fee is 3%, the 24th fee is 7%, and the fee is charged once on the first billing day of consumption. Consumers who repay early or return goods will not be refunded.

If the house is handed over to a home improvement company that has a cooperation agreement with the bank for decoration, the total renovation is 100,000 yuan, and 12 periods of repayment will be charged, and the fee rate is 3%. Then, the fee to be paid is 3,000 yuan. Consumers need to pay 3,000 yuan in fees and 8,333 yuan in installments on the first billing day, totaling 11,333 yuan, and then repaying 8,333 yuan each month for 11 months.

At present, Huizhou has home-installed installment payment banks, and the longest period of instalment payment is generally two to three years. The installment fee for home-installed installments is generally lower than the average ***** interest rate.

About 30% of merchants choose home-installment installment payments. Huizhou Huiquanshan Baojiantao Supermarket currently has instalment cooperation with China Construction Bank and Agricultural Bank. Wu Qiubo, general manager of Huiquanshan Baojiantao Supermarket, told reporters that bank installment payment is a trend of consumption, and many banks are actively expanding bank products for various types of consumer installments.

“As long as the bank applies for the installment business of the home improvement category, the operation of the consumer merchant is relatively simple.” Wu Qiubo explained that in the Huiquanshan Baojiantao Supermarket, any purchase of products can use this consumption model. As long as consumers use *** brush pos machine can be directly consumed.

Wu Qiubo introduced that about 30% of customers who are currently spending in Huiquanshan Baojiantao supermarket have taken instalments.

Mr. Li, a citizen, heard about the installment payment service for home improvement, and soon applied to the bank for an installment amount of 200,000 yuan. "Recently, the business turnover is in urgent need of funds and is eager to refurbish, so the existing funds are used for the turnover of the business. The installment payment for home improvement just relieves my current problems." Mr. Li is very supportive of this new home improvement. Consumption model.

Depressed sent the cooperative merchants to the high-end Huizhou Taohuayuan owners Zhang also took a fancy to a bank's decoration installment payment, but now the home decoration is nearing the end and did not use the amount of decoration phased. "The businesses I am looking for to decorate companies and buy materials are relatively small and have not yet opened this business."

Like the public, Mr. Zhang, many citizens think that the designated cooperative merchants with decoration and installment payments are a bit high-end. "A lot of designated cooperative merchants' products are on the high end, and the prices are much more expensive than those in the market." Ms. Li said that if you want to purchase products from designated merchants, the cost of the entire renovation project will be virtually increased.

In this case, some banks explained that the installment installment payment is a new business launched by the bank in recent years. To ensure the interests of users, the cooperative merchants mainly choose local large-scale commercial merchants, and their position is inevitably biased towards the high end. With the development of the business, it will also consider increasing the number of mid-end merchants to meet the needs of customers at all levels.

The monthly repayment pressure is not small. Ms. Zhou said that she recently consulted a bank and the maximum amount of RMB 20,000 yuan was to be paid off for up to two years. The monthly supply was nearly RMB 10,000. “The current household monthly income is about RMB 15,000, which is 1 per month. Repayment of 10,000 yuan is also difficult to afford. Although in the short term do not have to pay large sums of money, but the short-term repayment pressure is too great." Ms. Zhou is more depressing.

If you only loan 30,000-50,000 yuan, if you pay off for two years, then you will have to pay between 1,000 yuan and 2,000 yuan a month, and some families may not be able to afford it.

The opposition cannot compare the three consumers who currently use the business. Most consumers who choose to decorate the brand have sufficient funds to renovate and do not need to use installment services. “Instalment payment is a relatively new consumption model, which differs from people’s traditional consumption habits.” A person in charge of a home improvement company said that although some consumers have such needs, when they hear of installments, they think that they must pay high interest rates. , so it is very resistant.

The person in charge said that most people still like the traditional consumption model, especially in terms of decoration, if the funds are not enough, first consider reducing the standard of decoration, or wait until the funds are sufficient for further renovation.

In addition, some people think that the decoration of labor costs is not a small expenditure, if consumers and the company signed a contract, they can not compare goods with other decoration companies, once they go back, they will lose the measurement fee paid in advance and design fee.

The staff of Dongyue Decoration in Boluo County also stated that the current installment payment for home improvement has gradually emerged, and many owners have come to consult the business.

“As long as the owners have the intention of paying in installments, we will first develop a fitting-out plan and a specific quotation for the customer. The home improvement company will present the guarantee and apply for a one-time application to the cooperative bank.” The staff member stated that no matter how much the owner applied for* * The proportion of the owners who pay the home decoration company to pay for the decoration is unified according to the requirements of the renovation contract. "Like our company, it is paid in three phases. The first phase is to pay 60%, the second phase is to pay 35%, and the third phase is Pay 5%."

Consumer voices For this type of home-improvement consumer, Huizhou’s owners can’t buy it. In practice, does it give the owners real convenience?