Loan decoration has gradually become a "standard" for home businesses

Of course, loan consumption is not limited to the decoration field. In recent years, home furnishing stores have also cooperated with financial institutions to launch home credit consumption services, providing consumers with multi-channel consumption methods for purchasing furniture, building materials and decoration.

Last year, Jimei Home and China Construction Bank launched the “Jimei White Articles” exclusive plan, which includes “5% recharge subsidy” and “double zero payment” services, mainly for the consumption of construction loans and credit consumption in CCB. Offer offers and subsidies; in July this year, Red Star Macalline launched "Xingyi Home Loan", consumers who purchase furniture, building materials and other products in Red Star Macalline can apply for "Xingyi Home Loan" and enjoy the bargaining price The "0 down payment, 0 interest, 0 handling fee" home angel loan, all interest, commission and other expenses incurred in the loan process are subsidized by Red Star Macalline. Nowadays, providing credit consumption has become a major feature of merchant services, and it has also become a way for collectors to divert.

Consumer loan decoration is not enthusiastic

Although the loan decoration has been in the market for many years, the home store has also continuously improved the loan service, but the loan decoration rate is not high. During the interview with the Beijing Morning Post reporter, most decoration companies said that there are not too many consumers using the loan decoration service at the current price. Wang Xiaobing, the current executive vice president of decoration, said that currently less than 10% of consumers choose to renovate loans. Yuan Chaohui, the manager of the decoration operation department, also said that only single-digit decoration households will choose loans.

The reason why the current usage rate is not high, Wang Xiaobing, the current executive vice president of decoration, said: This has a lot to do with consumption habits. The traditional decoration consumption mode is “how much work is done,” consumers will The budget comes to choose the decoration. Unlike the appreciation of home purchases, decoration is consumable consumption, and consumers generally do not choose loan decoration in case of insufficient funds.

However, as a service provided by the decoration company, the decoration loan provides more choices for consumers' decoration, and has a certain audience. With the change of consumption concept, there is a lot of room for growth in the future. In the interview, Ms. Zhao, who chose to love the space for decoration, has limited savings due to limited deposits. However, she does not want to make too much decoration in the decoration. She chooses Baidu home loan with cooperation in love space. On the one hand, it eases the current situation of financial crises, on the other hand, it can also choose decorative materials with peace of mind. At present, part of the renovation loan is similar to the situation of Ms. Zhao’s financial strain, and part of it is to use the discounts given by the decoration company to use the cash in hand as other financial channels. Yuan Chaohui, manager of the decoration operation department, said: “Renovation is consumption-type consumption. Consumers generally do not have loans or overdrafts because of the difference between budget and actual consumption. In many cases, consumers may not have this cash flow or have it at present, but If the financial services provided by the decoration company are free of charge or other benefits, he will choose such services and put the cash in his hands into other financial channels."