Xiao Chen, who has just graduated from college and joined the work, recently paid a down payment to buy a house of 80 square meters with the support of his family, but the decoration fee of nearly 50,000 yuan made him helpless. Later, he was introduced to a family by installment During the repayment process, he initially calculated the account, and the handling fee plus interest far reached 6,000 yuan. "Thinking about saving money at that time, who knew this happened." Xiao Chen told reporters.
The reporter learned that most of the people who install in installments are young people who have just started working, but there are also some consumers who take installments to ease investment pressure.
Jiang Qianjun, the general manager of the first installment-qualified Meisong Yating Decoration on the Xi’an market, said that there are many people who come to consult the home improvement installment payment, but because the repayment period is all in 1-2 years, the actual processing is relatively more Less, some of them have been processed, but in the later period, due to the inability to repay in time, the interest has been accumulating, which has caused a heavy burden of repayment. Hu Jinfeng, general manager of Purple Apple Decoration, said: “Instalment payment to a certain extent satisfies those who desperately need to install a house but ca n’t afford too much money, and will also retain some of its customers. But the threshold for applying for qualification is too high, it takes about 10 to 20 working days, and there are some additional conditions, including its own credit. In this case, many home improvement companies will use their own guarantees to provide guarantees for unqualified consumers to obtain loans and retain customer sources, which has caused expensive interest problems. As we all know, whoever takes the loan will have to pay and pay the interest, so that the consumer will have to repay the loss, it is better to ask others to borrow money to install a house.
Industry insiders pointed out that when using home improvement installment payment as a credit card overdraft consumption method, the public still has to decide according to their own abilities. Not all decorators are suitable for home improvement installment payment business. If you already have a mortgage, even a car loan , Be sure to choose carefully, even if you apply for this business, the repayment amount should not exceed 30% of income. At the same time, it is often necessary to check whether repayments are made in a timely manner, and interest will be charged beyond the repayment period, which will cause greater pressure and even produce bad records in the bank.
Although there are many types of tapping screws, they all have the following similarities:
(1) are generally made of carbonized carbon steel (accounting for 99% of total production). It can also be made of stainless steel or non-ferrous metals.
(2) The product must be heat treated. Carbon steel tapping screws must be carbonized and stainless steel tapping screws must be solution hardened. In order to make tapping screws to meet the requirements of the standard of mechanical properties and performance.
(3) The product surface hardness is high, the core toughness is good. That is, "soft inside strong outside". This is a major feature of tapping Screw performance requirements. If the surface hardness is low, it can not be screwed into the matrix; If the core toughness is poor, a twist will break, can not be used. So "inside soft outside steel" is self-tapping screw to meet the use of performance, very important requirements.
(4) The surface of the product needs surface protection treatment, generally electroplating treatment. Some product surface must be treated by phosphate (photostatting), such as wall panel self - tapping screws for photostatting.
(5) Production by cold heading process. It is recommended to use high-speed cold heading machine and high-speed wire rolling machine or high-speed planetary wire rolling machine. High speed is emphasized here to ensure product quality. Only the head of tapping screw produced by high-speed machine is well formed and the thread quality is high.
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