Can I get a mortgage for decoration and furniture ?
Merchant
No such payment model
Nowadays, installment payment for house purchase, installment payment for car purchase and installment payment for shopping are common. The reporter learned that several banks have launched installment payment services for furniture .
"This consumption model is very novel and I haven't heard of it." Model furniture related people said: "Our store has not yet cooperated with banks to open mortgage loans to buy furniture services, and this consumption model should not be many in Changchun."
When it comes to mortgage loans, many people will think of buying a house or a car. This payment method gives consumers more choices and can meet the comprehensive needs of customers. Especially those who lack funds, usually choose credit consumption. In the furniture industry, buyers and sellers still adhere to the traditional consumption model. "Our current payment model is one-hand delivery and one-hand payment, which must be settled on the spot." Ms. Liu, a royal furniture salesman, said, "As for mortgage loans to buy furniture, there is no policy in this regard for the time being."
bank
Need to take the house as collateral
Which banks can buy furniture with mortgage loans? China Construction Bank has opened services for loan decoration and loans to purchase furniture. Bank of China also has loan decoration projects. In addition, China Merchants Bank and Minsheng Bank have launched similar decoration loan services, but Agricultural Bank of China and Industrial and Commercial Bank of China have no such loan services. .
China Merchants Bank has learned that the bank has opened a mortgage loan decoration business-"consumer easy", the maximum loan amount is 300,000 yuan. The relevant person in charge of the bank said: "As long as you have an account in Changchun, and you own properties such as houses and shops, there is no bad record, and you have a stable working income, you can enjoy the service of loan decoration and loan to buy furniture. But the premise is that you need to take the house, For shops and other properties to be mortgaged, there must be a decoration contract signed with a regular decoration company. During and after the completion of the decoration, the bank must keep relevant information about the applicant's house, such as the on-site photos, and comply with the bank repayment agreement. "
"Renovation loans can only go to the decoration company's account, so you must find a regular decoration company to undertake the decoration project." The business manager of the Bank of China said, "The repayment interest is 10%." The Bank of China also stipulates the loan People need to take a house as a mortgage, and the bank will make a credit assessment of the lender. According to the business manager of Bank of China, before and after the house decoration, the house must be photographed, and the purpose of the loan is strictly regulated.
explore
How far can mortgages go to buy furniture
At present, consumers in many parts of the country can already buy furniture by mortgage. Zhengzhou Ou Kailong, Changsha Meike Home and other furniture stores can buy their favorite furniture in installments. In addition, such furniture stores continue to appear in Ningbo, Wenzhou, Nanjing and other places. Is this way of buying furniture in installments a flash in the pan, or can the sparks catch the fire?
A person in charge of the Construction Bank previously said: "Instalment loans to buy furniture is a brand new attempt for bank home improvement loans. From the previous color TV and building materials field to the furniture level for the first time, this strategy of using credit cards as the main payment method will Give consumers more choices to meet customers' all-round needs. "
Loan shopping is not uncommon. Mortgage decoration and buying furniture are also emerging. How far can it go? The emergence of new things always brings new power and new hope, but new things need the market to test, and it takes time for people to accept. Loan purchase of furniture can drive the rapid growth of furniture sales and bring comprehensive shopping enjoyment to consumers, but at the same time, consumers should always maintain a calm and cautious attitude, and cannot let themselves become "Moonlights".
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