In recent times, mortgage buying furniture has quietly risen. In fact, as early as 2000, the loan to buy furniture began to become a new thing to land in the Chinese furniture market, but it has not been obvious. However, in the past two years, the 80s and 90s with advanced and fashionable consumption concepts have become the main consumer groups. However, in the face of high housing prices and high price pressures, most of them have limited economic conditions, so they buy houses and mortgages to buy cars. It is almost inevitable, and the purchase of furniture by loans is quietly rising.
Although there is still "only a few thousand dollars, I use the mortgage to buy?", "If you buy furniture, if you don't have money, I won't buy it." Consumer opinion, mortgage buying furniture has become a trend, already It is 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.
Here, let us put aside the pros and cons of this phenomenon, and only speculate on the possible impact on the furniture industry. 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.
Because for consumers, mortgage buying furniture has a large autonomy, so it takes a lot of initiative, but in fact the biggest beneficiary and promoter of this move is the enterprise. 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. This is obviously unreasonable.
The author believes that if furniture manufacturers want to promote large-scale promotion of mortgages at the current stage, they must show more sincerity and make changes to the current model, so that enterprises, banks and consumers bear limited risks. For example, in the form of Alipay, after the consumer is satisfied with the goods, 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 three parties of the enterprise, the bank and the consumer. After the consumer is satisfied with the quality of the products provided by the enterprise and after-sales service, it is paid to the enterprise year after year.
Such a payment method can encourage enterprises to pay more attention to quality assurance and provide better service, thereby giving consumers more benefits, and making consumers more willing to accept the mortgage to buy furniture. At the same time, it did not affect the normal operation of the company. In addition, once a dispute arises between the company and the consumer, the bank needs to play a role in verifying the fault and making a ruling.
In this way, the tripartite linkage, mutual checks and balances, and shared risks are more fair, and at the same time more attractive to consumers. Buying furniture by mortgage can become a fashion trend earlier.
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