1. Can I buy a house with a credit card loan? Banks do not stipulate that credit card debt must be paid off before the loan, but some banks will calculate the credit card debt as a liability when calculating the approval amount, so the loan amount will be reduced; However, if the credit card is in the minimum repayment, it also means that the repayment ability is not very strong, and the bank will consider the repayment ability; If you have money in hand, you must first replace the money in the credit card, because the interest on the minimum repayment of the credit card is actually higher than 18%. If calculated at the preferential interest rate of 30% off the mortgage for more than 5 years, it is more than 3 times higher than the mortgage interest rate, which wastes money. The minefield of buying a house by credit card is 1. The implementation of the New Deal is more likely to be passed on by the merchants, and the extra expenses will be borne by the buyers. Credit cards belong to the category of credit cards, that is to say, merchants need to pay no more than 0.45% service fee for credit card consumption, and there is no cap limit for single payment. In practice, banks will implement floating interest rates, and banks are different in setting interest rates. Generally speaking, banks that issue more cards have more say in setting the rates. Paying the down payment by swiping a credit card will generate service fees ranging from hundreds to thousands, which is really stressful for enterprises. Therefore, some developers will let customers bear the handling fee, or directly refuse to pay the down payment by credit card. According to Article 12 of the Measures for the Administration of Bank Card Receipt, the acquiring institution shall require the special merchants to perform the following basic obligations in the bank card acceptance agreement: they shall not charge the cardholders extra fees or charge them in disguised form for using the bank card, and shall not reduce the service level. In other words, under any circumstances, it is illegal for developers to refuse to swipe their cards or pass on the card-swiping fees to consumers, unless there are local policy restrictions. Remind buyers to know the local bank's charging standards and government policies in advance when deciding to pay the down payment by credit card, so as to avoid paying more money. 2. There are geographical or housing restrictions on the down payment by credit card. Second-hand houses can't pay down payment by credit card. Remind customers who want to buy a second-hand house that the down payment is usually paid by bank transfer, and credit cards cannot be used. In some areas with strict requirements, it is clearly stipulated that developers should not pay the down payment by swiping credit cards. Therefore, the use of credit cards to pay down payment is also restricted by local policies and is not universal. 3. Credit card payment for down payment of house purchase cannot be used for bill installment. The repayment pressure in a short period of time is high, which is easy to cause overdue. You can't pay the down payment by credit card in installments. In the short term, the repayment pressure will increase. If you can't repay in time, it will easily lead to overdue, and you will also pay high interest and late fees. The most important thing is that it will affect the buyer's personal credit information. Therefore, you must have a clear understanding of your financial situation before paying, and remember to swipe your card blindly. 4. There are no points for brushing real estate transactions, and the points of banks are not so easy to earn. The profits generated by transactions such as real estate, automobiles, public welfare merchants and building materials wholesale are relatively low, and banks generally stipulate that there are no points for swiping cards. Friends who plan to earn points by brushing down payment may be disappointed. Banks pay special attention to large-value transactions, and credit card withdrawal will be affected. It is best to prepare a large credit card of 1-2 for payment. Don't use multiple cards at the same time. Because for multi-card non-integral transactions with such a large amount, banks may suspect that customers are suspected of cashing out and will strengthen risk control. If there are overdue or other problems, it will not be so easy to apply for withdrawal in the future. If you meet a real bank, you may reduce it. 6. It takes a long time to pay the down payment refund by credit card, and it will be miserable to catch up with the due repayment date. If the down payment and deposit are paid by credit card, if the house purchase transaction is cancelled for some reason, it will take a long time to ask the developer for a refund, usually 30-45 days. If this period of time happens to catch up with the due repayment date, the buyer can only repay in advance, and the pressure will definitely be great. Isn't this uneconomical? 7. The down payment for credit card mortgage repayment must be UnionPay card. General real estate category only supports UnionPay credit card. Single currency foreign currency credit card does not support credit card swiping. When you pay the down payment by credit card, you should see clearly what card you are. To sum up, if the credit card has outstanding debts and there is no direct stipulation that the bank will not lend, the credit card is directly related to the credit information of citizens, so the credit card should still be repaid on time. As long as there is no problem with personal credit information, there is no problem with buying a house and borrowing money under normal circumstances.