In recent times, mortgage buying furniture has quietly risen. In fact, as early as 2000, loans to buy furniture began to become a new thing and landed on the Chinese furniture market, but it has been unremarkable. But in the past two years, the post-80s and post-90s with advanced and fashionable consumption concepts have become the main consumer groups. However, in the face of the pressure of high housing prices and high prices, most of them have limited economic conditions. , Almost become inevitable, and loans to buy furniture have also quietly risen.
Although there are still consumer views like "only a few thousand dollars, do I use a mortgage to buy?" And "if I don't have money to buy furniture, I won't buy it", mortgage buying furniture has become a trend and has become a trend. Is obvious. Industry insiders have also expressed their views on this phenomenon. Overall, the view that mortgages buy furniture "benefits outweighs disadvantages" prevails.
Here, let us put aside the pros and cons of this phenomenon, and just speculate on its possible impact on the furniture industry. At present, the mode of buying furniture by mortgage is that furniture manufacturing enterprises cooperate with the decoration company and the bank to recommend the products. After the bank confirms the contract, the enterprise finally places an order. This is very different from buying a house or car with a loan.
For consumers, mortgage buying furniture has great autonomy and choice, so it occupies a lot of initiative, but in fact the biggest beneficiary and promoter of this move is the enterprise. Because the purchase of mortgages is widely accepted, it can greatly increase the consumption of furniture, but the risk is zero in this process. In addition, the bank also took a greater profit from it, but also took almost no responsibility. This is obviously unreasonable.
The author believes that if furniture manufacturers want to promote mortgage purchases for large-scale promotion at this stage, they must show more sincerity and change the current model so that companies, banks and consumers will bear limited risks. For example, a form similar to Alipay can be used. After the consumer is satisfied with the inspection, the payment is confirmed, but only the amount equivalent to the cost of furniture manufacturing is paid to the enterprise, and the rest is temporarily stored in the bank. This temporary storage part is negotiated by the enterprise, bank and consumer. After the consumer is satisfied with the quality of the product provided by the enterprise and after-sales service, it will be paid to the enterprise annually.
Such payment methods can prompt enterprises to pay more attention to quality assurance and provide better services, thereby giving consumers more benefits and making consumers more willing to accept the mortgage to buy furniture. At the same time, it has not affected the normal operation of the enterprise. In addition, in the event of a dispute between the enterprise and the consumer, the bank needs to play a role in verifying the fault and adjudicating it.
In this way, the tripartite linkage, mutual checks and balances, and risk sharing are more fair, and at the same time more attractive to consumers, and mortgage purchases can become a fashion trend earlier.
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