Push Appliance Store Credit Consumption Of Zero Surface Charge - States United States, Zero Fee - Hc

Spring Festival

Spring Festival

Home Appliances

Consumption peak has just passed, household appliance market, sales start another heat wave, driven appliances as consumer installment of "gimmicks", in turn upgrade. February 9, the reporter learned from the consumer electronics market, the current

Suning

,

States United States

And other home appliances store in the "zero down payment, zero interest, zero fees" make active preparations for the installments, the recent introduction of an optional machine, home appliance market, this year marks the beginning of the rescue operation itself.

Spring into the public stage to buy two appliances

Will hold the wedding in October this year, she had got, during the Spring Festival, running major appliances store selection of home appliances. Among them, 16 thousand yuan LCD

TV

Over the previous budget, if the purchase, after marriage the honeymoon will "bathing." Advertisements in the home appliance stores, learned she had got a credit card can be "zero down payment zero interest rate" installments, can not only TV's homes, but also be able to do to complete honeymoon. This "living beyond" consumer model is an advantage at first glance, but she had got it paid a 700 yuan "additional charges."

Interview with reporters that, during the Spring Festival this year, Shenyang public to buy into a large home appliance products have the second installment of consumer choice, also suffered "additional costs" of confusion. This, however, the public come to realize the installment, the "zero down payment zero interest rate" is not equivalent to zero cost.

This "additional costs" called the charge, the current rates for different banks. Mentioned above, after she had got in the process of installments that, if the hire purchase This

LCD TV

Although not required to pay installments of interest, but to pay an additional processing fee of 4.5%.

Moreover, the current business credit card installment will be described in the rules, any repayment period, should repay the amount in arrears, the case produced a late, late fees will be collected. This is often overlooked by consumers in installments, leading to poor credit history.

" fee" recently surfaced

To pull the consumer market appliances, Beijing, Shanghai and other places of Suning Appliance joint investment, business, transportation and other banks have also launched a "zero down payment, zero interest rate, zero fee" to buy appliances hire activity. Where a single product in 1500 yuan are their needs can be arbitrarily divided by the consumer 3, 6, 12 to hire, without having to take any form of interest, handling charges. In this case, a value of million of home appliances, even if the average commission rate of 4.5%, the additional payment of 540 yuan in fees will be fully exempt.

"Free" installment policy for the public, it is a good thing for the people in Shenyang will also enjoy a few days this policy. Suning Appliance Marketing staff told reporters, "'free' installment, its scope may be limited to some of the goods."

In the industry believe that the introduction of such installments, the handling charges will not free a single bank, but by the appliance store installment payment of the consumer in the process of handling procedures for cost, but will again use the "wool In the sheep "approach, or increase the price consumers pay the bill appliances, or to suppliers or vendors," signing. "

Lack of credit or in the promotion bottlenecks

Similar micro-credit card installments, for simplicity, and does not require collateral, just by the cardholder's credit history. Therefore, the service very popular with low-income young people welcome, many high end customers like shopping with installments.

Survey, using installment in the consumption patterns of consumers relatively more 25-40 years old, which is more acceptable to the age group 25-35 years, and this group is often poor credit records or missing more serious, it will shield the home appliance market, the future of a large number of consumers tend to become a household electrical appliance consumption patterns to promote the credit bottlenecks.

Also worth mentioning that

by: gaga

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