Buying a house can be said to be the first problem to be solved when getting married after the 80s and 90s, but it is very difficult for people with little savings to buy a house, so some friends put their ideas on credit cards and want to know whether they can use credit cards to borrow money to buy a house. Let's introduce it to everyone. As we all know, credit cards are equivalent to consumer loans provided by banks to cardholders, and cardholders swipe their cards or withdraw cash within the available scope of credit cards. Therefore, buying a house with a credit card can be regarded as holding a credit card and spending it directly in a real estate company. Of course, this premise must be supported by policies. Can a credit card be used to buy a house? In some banks' credit card application contracts or articles of association, it is only required that credit cards should not be used to invest in the stock market, futures market and other markets, and should not be used for tax evasion, debt evasion, cash withdrawal, production and operation overdraft and other illegal acts. As for the problem of buying a house, there is no clear explanation, which means that you can buy a house with a credit card loan. Many real estate companies also said that banks did not stipulate that credit cards are not allowed to buy houses. Buying a house with a credit card is actually very simple, just like buying other goods. How to borrow a credit card to buy a house Although a credit card can buy a house, there are still some problems to consider when buying a house, such as whether it is better to swipe a credit card directly or use several credit cards to collect money. It is suggested here that it is best to use 2~3 credit cards to buy a house. After all, even if you pay the down payment, it will cost tens of thousands. If you pay directly by credit card, the bank will easily risk control and think that you are cashing out, which is not cost-effective. However, using multiple credit cards to pay the down payment can avoid this risk. In addition, there is another advantage of buying a house with a credit card, that is, it can be phased out after the bill comes out, alleviating the financial pressure. If the fixed amount is not enough, you can also call the credit card customer service to apply for adjusting the temporary amount. The temporary quota can generally be increased by 50%-80%. It should be noted that the temporary amount has a validity period, which is generally 1-2 months. After using the temporary line, you can't apply for installment, nor can you repay according to the minimum repayment amount. You must pay in one lump sum. Credit card down payment does not accumulate points. Cardholders should also swipe their credit cards according to their repayment ability. Don't spend too much in advance, lest the credit card be overdue due to the failure to repay in time, bear the interest late fee and even affect the personal credit record. Is it cost-effective to buy a house with a credit card loan? Whether it is cost-effective to buy a house with a credit card depends on its expected annualized interest rate. Here, let's compare the installment interest rate of credit card bills with the expected annualized interest rate of ordinary bank loans. Based on the installment payment of Everbright Credit Card 1.5 million yuan, it is divided into 1.2 installments, and the total handling fee for one year is 1.5 million yuan, which is equivalent to the annual interest rate of about 7%, while the expected annualized interest rate of the one-year loan benchmark is 6%. It can be seen that although the credit card installment payment business can solve the urgent need, it is much higher than the expected annualized interest rate of ordinary bank loans.

Second, I want to get a loan to buy a car, but I don't know whether to go directly to the 4S store or go to the bank for a mortgage, and then take the money to buy a car. Which is cost-effective?

Remember, you can only go to the bank for a loan, otherwise you won't know if you eat yabakui. Now the loan procedure is very simple. Ordinary customers only need to go to CCB for loans twice, accept loans once and withdraw money once. The whole process from acceptance to lending can be completed within 5 working days at most. Directly with the bank, it will only be safer to save.