Can I also mortgage loans for decoration and furniture purchase?

Upscale furniture with trendy styles is becoming more and more popular. Jia Chunwen photo

Can I also mortgage loans for decoration and furniture purchase?

With the reader's question, the reporter recently visited some home stores and banks in Changchun, and the results were not as expected.

Merchant

No such payment model

Nowadays, it is not uncommon to buy home installments, install installments, and install installments. The reporter learned that a number of banks have launched services to purchase furniture instalments.

"This consumption model is very novel and has not been heard." According to the relevant person of the model furniture, "We have not cooperated with the bank to open a mortgage loan to purchase furniture, and this consumption pattern should not be much in Changchun."

When it comes to mortgage loans, many people think of buying a house and buying a car. This payment method gives consumers more choices to meet the full range of needs of customers. In particular, those who lack funds are usually choosing credit consumption. In the furniture industry, buyers and sellers still adhere to the traditional consumption pattern. "Our current payment model is to deliver the first-hand delivery and pay the money on the spot." Ms. Liu, the furniture salesman of the dynasty, said, "As for the mortgage loan purchase of furniture, there is no policy in this regard."

bank

Need to take the house as collateral

Which banks in the city can purchase furniture for mortgage loans? The reporter consulted some banks for this. The Construction Bank has now opened loans for loan decoration and loan purchases. Bank of China also has loans for renovation projects. In addition, China Merchants Bank and Minsheng Bank have launched similar decoration loan business, but Agricultural Bank and Industrial and Commercial Bank have no such loan business. .

The reporter learned from the relevant personages of China Merchants Bank that the bank has opened the 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 a household registration in Changchun, and individuals have possession of houses, shops and other property, no bad records, stable income, you can enjoy loan decoration, loan to buy furniture services. But the premise is that you need to take a house, If the store and other properties are mortgaged, there must be a decoration contract signed with the formal decoration company. During the renovation and after the completion of the renovation, the bank must keep the relevant information about the house decorated by the applicant, etc., and abide by the bank repayment agreement. ”

“The decoration loan can only be found on the decoration company's account, so we must find a formal decoration company to undertake the renovation project.” The Bank of China's business manager said, “Repayment interest is 10% up.” Bank of China also provides loans. People need to take the house as a mortgage, and the bank will do a credit evaluation of the lender. According to the Bank of China business manager, before and after the renovation of the house, the house must be photographed and the use of the loan is strictly regulated.

explore

How far can a mortgage buy furniture?

The reporter learned that at present, consumers in many places in China have been able to purchase furniture by mortgage. Zhengzhou Ou Kailong, Changsha Meikejia and other furniture stores can buy their favorite furniture by means of installment payment. In addition, Ningbo, Wenzhou, Nanjing and other places continue to have such furniture stores. Is this kind of installment payment for furniture purchases a short-lived or a star fire?

A person in charge of the Construction Bank said in an interview with the media: "Instalment loans to buy furniture is a new attempt of bank home improvement loans, from the previous color TV, building materials field to the furniture level for the first time, this credit card as the main payment method The strategy will give consumers more choices to meet the full range of customer needs."

Loan shopping is not uncommon. Nowadays, mortgage decoration and furniture purchase are also born. How far can it go? The creation of new things always brings new power and new hope, but new things need the market to test and take time to accept. Loan purchase of furniture can drive the rapid growth of furniture sales, giving consumers a comprehensive shopping enjoyment, but at the same time, consumers should always maintain a calm and cautious attitude, can not let themselves become "moonlight family." (Reporter Li Ou)