Xiao Wang has just bought a commercial house, and his first task is to decorate it, but the remaining funds are not plentiful. A friend told him that the renovation can also be paid in installments now, which can reduce the financial pressure. Xiao Wang, who was overjoyed, hesitated after detailed inquiry.
There are two forms of installment payment.
It is understood that a home supermarket joint bank in a city has launched the business of "decoration first, payment later". As long as they are credit card customers of the bank, they can sign a contract with the supermarket to become decoration customers, buy any goods, and after accumulating a certain amount, they can use the installment repayment method of 1 year or 2 years. Moreover, you can also enjoy a six-month deferred repayment. Because the cardholder does not need to repay a large sum of decoration money to the bank at one time, he will pay in installments after half a year, which greatly reduces the financial pressure. For some consumers who are good at financial management, this fully realizes the financial planning during decoration, and the extra funds can be used in other places. The reporter saw in the installment clause published by this supermarket that home improvement is divided into two types: large installment payment and ordinary installment payment, which are aimed at home improvement customers and customers who only buy building materials. The receptionist told the reporter that there is a threshold limit of 6.5438+0 million yuan for installment payment.
It is understood that staged decoration is a more suitable financial management method for urbanites, but it is not suitable for everyone, and there are many restrictive thresholds. The first is the cardholder's consumption credit limit. If the consumption line is not high, it is not suitable for home improvement installment payment business. Once the repayment period is extended and the repayment amount is reduced due to the need of funds, you need to pay more handling fees. Take the large installment payment as an example. The handling fee rate is 3.5% for one year and 8% for two years, which is quite different. In addition, the salesman of this supermarket told reporters that in order to handle the installment payment of home improvement, most of the building materials must be purchased from its supermarket, and the decoration mode without material contracting cannot handle this business. According to analysis, buying building materials in this supermarket must accept the brand and price of the store, which is not an ideal choice for consumers who are used to bargaining and have high requirements for materials. In addition, the decoration labor cost is also a big expense. If consumers sign a contract with this company, they can't shop around with other decoration companies. Once they go back on their word, they will lose the measurement fee and design fee paid in advance.
Who is suitable for installment payment?
Compared with the payment methods of most decoration companies in the market, installment payment should be regarded as a more advanced consumption form, which is more easily accepted by young people or consumers with greater financial pressure. In the interview, the reporter met a consumer who indicated that he intended to decorate the new house by stages. He said that spending a large sum of money on decoration at one time would take up too much money. Although there will be some other expenses, it feels very suitable, mainly because the pressure is reduced by more than half. On the contrary, another female consumer can't accept this way. She is worried that supermarkets make money from two channels: building materials and labor costs. Moreover, decoration is a personalized project. If all building materials have to be bought from a fixed supermarket, there is a lack of initiative in installation. It is understood that the phased decoration "looks beautiful", but because businesses have set up many links to protect their own interests, consumers must consult the details before making a decision. Remind consumers that decoration itself is a very complicated project, and all kinds of situations should be predicted clearly in advance so as not to be led by businesses.