Credit cards can be used to pay house prices, which is not illegal; It can be said that it is very convenient to pay the house price by credit card, which eliminates the trouble of applying for loans from banks or borrowing from others and institutions.

The money in the credit card is the credit fund given to you by the bank. The so-called "no need to use it for nothing", as long as you use the credit card during the interest-free period, you can enjoy the discount of zero interest on credit card overdraft, which provides a certain buffer period for cardholders.

Except for a few banks that set credit card quotas for real estate consumption, most banks' credit cards can be used to pay down payment, but there are still some problems that need attention. Pay the down payment for buying a house with a credit card, because the down payment for buying a house is generally relatively large, and it takes multiple credit cards to accumulate credit cards to meet the payment demand.

Then, if you want to pay the down payment on a house with a credit card, you need to have multiple credit cards in your hand.

What are the precautions for buying a house with a credit card?

1. Credit card withdrawal will be affected.

If property buyers are prepared to pay the down payment by credit card, the withdrawal of cash by credit card may be affected, and the down payment for buying a house is also a lot of money. However, buyers should not use multiple cards at the same time when paying the down payment, because for such a large multi-card transaction without points, banks may suspect that customers are suspected of cashing out, which will strengthen risk control. If there are overdue or other problems, it will not be so easy to apply for withdrawal in the future, and the amount may be reduced when you meet a real bank.

2. Be careful when using temporary credit card limit.

Many credit cards can adjust the temporary limit. Property buyers should never blindly use the temporary limit when buying a house by credit card, because the temporary limit of credit card cannot be recycled or used in stages. If it cannot be repaid in full, it needs to be paid off in one lump sum. It is recommended not to apply for temporary withdrawal.

3. The repayment pressure is high in the short term, which is easy to cause overdue.

For buyers who buy a house by credit card, whether it is a credit card or a mortgage, they need to repay on time. If the credit card bill is divided into stages after swiping the card, the repayment pressure will increase in the short term. If you can't repay in time, it will easily lead to overdue, and you will have to 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 according to your own economic situation before paying, and remember to swipe your card blindly.

4. Second-hand houses may not be able to pay down payment with credit cards.

If the buyer is planning to buy a second-hand house, he can't pay the down payment by swiping a credit card when paying. Buying a second-hand house is generally a bank transfer to pay the down payment, so people can't use credit cards, and in some areas with strict requirements, it is clearly stipulated that developers are not allowed to pay the down payment by credit card. Therefore, paying down payment by credit card is also restricted by local policies and is not universal.

5. There are no points for buying a house with a credit card.

For property buyers, there is no credit card to buy a house, and credit card points cannot be accumulated in this kind of consumption transaction. In addition, buying a house by swiping a credit card also has a certain impact on the subsequent credit increase. Large abnormal transactions are easily considered as risky transactions by banks when they pay by credit card on the capping machine, and it is not easy to apply for credit card withdrawal in the future.

Can I buy a house by credit card?

Before the Spring Festival, it is a good opportunity for developers to promote sales, and preferential activities emerge one after another; For many people who buy a house, they are also holding the mentality of catching up early and not catching up late, hoping to get things done before the year. However, the down payment for buying a house is a big problem. For many young people, it is a great pressure to come up with a large sum of money at once. At this time, many people will think that they can buy a house with a credit card.

Can I buy a house by credit card?

The down payment for buying a house is not enough, and it is very common to overdraw the turnover with a credit card. However, under normal circumstances, the handling fee after applying for installment repayment will be relatively high, and most of them are emergency measures, and people will only use them if there is really no way.

First of all, buying a house can be paid by credit card, and there is no violation; Moreover, credit card payment is simple and convenient, eliminating the trouble of applying for loans from banks or borrowing from others and institutions.

Secondly, the credit card itself is the credit fund granted by the bank. The so-called "something for nothing", if you use a credit card to overdraw during the interest-free period, you can enjoy the discount of zero interest, which provides a certain buffer period for cardholders.

Except for a few banks that set credit card quotas for real estate consumption, most banks' credit cards can be used to pay down payment, so it is possible to pay down payment for buying a house. However, the interest rate is also surprisingly high, please consider it carefully!

Can I buy a house by installment?

Sure! But even if it can be phased, the repayment pressure is great, and the interest rate is much better than the expected annualized interest rate of the bank benchmark. If you swipe your card 1 0.5 million, you will have to pay more than110,000 interest a year. Moreover, the adjustment scope of the temporary quota of each bank is different, but the down payment cannot be paid in installments and must be paid off in full in the current period!

Is it feasible to buy a house with a credit card? What should I pay attention to?

First of all, thank you very much for answering this question here. Let me take you into this question. Now let's discuss it together.

If you buy a house with a credit card, the first thing you need to face is whether the city and the bank allow it. At present, the control measures of Suzhou and other real estate hotspot cities have been introduced, and credit cards are not allowed to pay down payment.

In fact, it is not allowed to buy a house with credit card overdraft, which is not only the need of government real estate regulation, but also the risk control measures of banks.

For example, buying a house itself requires a loan. If you still use a credit card for down payment, it is equivalent to adding another layer of leverage. For risk reasons, banks may not allow this.

Moreover, a large amount of credit cards to buy a house, the general real estate chamber of commerce will use a capped pos machine. The capped pos machine has a low handling fee rate, which can save a lot of handling fees for merchants' large transactions. However, the use of capped pos machines to spend a large amount of money "swiping the card" is also easy to be judged as a risky transaction by banks, and it is not easy to succeed in applying for credit card withdrawal in the future.

After 2065438+September 6, 2006, credit card rates were separated from loans. In the new version, the credit card fees for real estate, automobile and wholesale industries will no longer be capped, which means that there will be no capped fees for credit card consumption in the future. Similar to the introduction of the New Deal, it may become another obstacle to buying a house by credit card.

Buying a house with a credit card to pay the down payment, although this money is also a disguised "loan" and debt of buyers, it may be difficult to repay this money with the provident fund, because it is not easy to prove to the provident fund management center that the actual purpose is to buy a house.

Therefore, when applying for repayment with the provident fund, it is easy to be rejected.

There are still quite a few "risks" in buying a house with a credit card. If it is not cost-effective, it still needs careful consideration. If buying a house with a credit card can give you a one-month interest-free period, it will help you, that's not bad. However, if the funds are difficult, buying a house with high interest rate is not worth advocating.

The answers to this question shared above are all personal opinions and suggestions. I hope the answer to this question I shared can help everyone.

Meanwhile, I hope you like my sharing. If you have a better answer to this question, please share your comments and discuss this topic with me.

Finally, here I am. I wish you all a happy life, good health, a prosperous family and everything, a big fortune every year and a prosperous business. Thank you!

With the continuous tightening of bank loans, many people focus on credit cards and want to pay the house price through the "curve" of credit cards. Buying a house with a credit card is the same as ordinary consumption forms and methods. There is no need to make an appointment in advance or open related services, as long as the user's quota is enough, whether it is down payment or full payment. Credit card installment payment is more cost-effective than credit card overdraft. Credit card overdraft not only needs to pay a handling fee ranging from 1% to 2%, but also needs to pay five ten thousandths of interest. By contrast, installment payment is more economical. Buying a house by credit card does provide convenience for users who can't apply for loans, but there are still many defects compared with loans in some aspects.

First, the quota is low.

Compared with loans, the biggest drawback of buying a house by credit card is that the amount is not enough. Generally, the maximum amount of gold cards and ordinary cards is less than 50,000 yuan, but not every cardholder can get such a high amount of 50,000 yuan. The credit line of ordinary users is about1-30,000 yuan. House prices are generally calculated in "millions", and even if you only pay the down payment, you need dozens of credit cards.

Second, the cost is high

Although credit card installment is not troubled by interest, cardholders need to pay a handling fee to the bank. Compared with the loan interest rate, the installment fee is higher, and the cardholder has to bear greater repayment pressure. Therefore, it is best for qualified buyers to avoid choosing credit cards to buy houses. In addition, although the credit card installment payment business has solved the urgent needs of the "house slaves", it is much higher than the interest of ordinary bank loans. Calculated by installment 150000 yuan, the total handling fee for one year is 10500 yuan, which is equivalent to about 7% annual interest. At present, the benchmark interest rate for one-year loans is around 4.9%, so the cost of buying a house will be much higher, so not everyone is suitable for buying a house with a credit card.

Third, there is no integral.

Although some banks have expressed their support for buying houses by credit cards, almost all banks stipulate that when users buy houses by credit cards, this consumption has no points. Even if the depreciation of points is the mainstream trend of the market, the gold content of hundreds of thousands of points is not low for buyers who use credit cards.

Special reminder:

It is suggested that if the housing funds are insufficient, it is not the best policy to make up for it by swiping a credit card. The first choice is to ask friends and relatives for help. If not, you'd better get a loan from the bank. "Buying a house by credit card" is a last resort.

Under the background of continuous regulation of real estate, some commercial banks no longer accept the installment payment business of such consumption by buyers using credit cards to purchase houses. The credit card customer service of ICBC, China Construction Bank, China CITIC Bank, Huaxia Bank and other banks clearly stated that as long as the POS consumer terminal shows buying a house or parking space, the wholesale sector of bulk commodities will pay by credit card and cannot handle installment payment. At the same time, the CBRC also requires strengthening the risk control of real estate loans, conscientiously implementing real estate control policies, implementing differentiated mortgage requirements, and strengthening list management and stress testing. If a user pays the down payment with credit, also known as "curve house purchase", it will undoubtedly turn the consumer credit function of credit card into funds flowing into the real estate sector, and the risk is immeasurable. At present, the regulatory authorities are strictly controlling all kinds of risks in the real estate sector.

Buying a house with a credit card is basically not feasible. After the banking system recognizes that your credit card merchant is a real estate, it will not make your credit card successful. Unless you cash in on other pos machines, the cost will increase a lot. The longest interest-free period of a credit card is only 50 days. Based on a house of 1 10,000, a down payment of 300,000 is required. If your credit card limit is not around1100,000, you'd better not pay out this 300,000, otherwise the repayment pressure will be great.

If the funds for buying a house can be put in place in a short period of time, it is feasible: you can enjoy interest-free for a certain period of time by waiting for the funds to be put in place with a credit card or getting some income from your short-term financial management. If the funds are not available in a short time, it is not feasible: because the interest-free period of credit cards is short, close to two months at most, and the pressure of one-time repayment is enormous. If the credit card is in installments, it will face a certain proportion of installment fees and interest (usually higher than the normal mortgage interest), and the installment period is short, usually up to three years, and the repayment pressure in each installment is great.

At present, the state focuses on controlling the inflow of credit card funds into the real estate industry. Generally, credit card swiping is restricted, and 1-20000 yuan can still be swiped out. No down payment is allowed. In the future, the loan bank will also read the credit report, and the bank with credit card arrears will also ask you to pay it back before lending!

Buying a house with a credit card is not acceptable. Because you paid the down payment by credit card first. In the next two months, you need to pay off your mortgage and credit card. If your salary or savings are not enough to pay for these two payments. You can choose to pay in installments by credit card, and then withdraw the money from the credit card. This will lead to a vicious circle, with more and more money owed to credit cards and more and more interest paid. The pressure will get bigger and bigger. In the end, you may lose both your money and your house. The correct use of credit cards should be to help the poor. If you can't control your desire for money, you will fall into the trap of credit card, borrowing-installment-repayment-refinancing-installment-repayment. In order to pay more money

Can I pay the down payment on the house by credit card?

Theoretically, credit cards can only be used for daily consumption such as shopping, catering and traveling. But buying a house is not one of them. However, banks will not set restrictions on credit card swiping, and almost all developers have credit card swiping machines. As far as the actual situation is concerned, credit card can be used to pay the down payment of house purchase, but there are some problems that need attention when using credit card to pay the down payment of house purchase.

Precautions for paying down payment by credit card:

1. We pay the down payment on the house by credit card. Because the down payment for buying a house is generally large, we will need multiple credit cards to accumulate credit cards to meet the payment demand. Therefore, if we want to use credit cards to pay the down payment for buying a house, we need to hold multiple credit cards in our hands.

2. If the credit card itself is insufficient, you can apply for adjusting the temporary credit limit. The adjustment range of temporary credit line varies from bank to bank. Some banks can adjust the credit line according to the standard of 100%, while others can only increase it by 80%. After applying for a temporary credit line, paying the down payment by credit card requires the cardholder to pay off the temporary credit line in one lump sum before the current repayment date, and it cannot be phased.

We use credit card to pay the down payment for buying a house. Once a refund occurs, it will take a long time. Therefore, we should pay attention to the distance between the date of credit card swiping and the due date of repayment, so as to avoid overdue due to long refund time and affect personal credit.

4. Credit cards should be repaid in full and on time. Cardholders should pay back their credit cards according to their repayment ability. Don't spend too much in advance, lest they can't repay in time, which will lead to overdue credit cards, interest, late fees and even affect personal credit records.

5. The points of ordinary banks are not so easy to earn. For real estate, automobiles, public welfare businesses, building materials wholesale and other transactions, the profits generated are low. Banks generally stipulate that credit cards have no points. Friends who plan to earn points by brushing down payment are afraid to be disappointed.

6. In fact, real estate credit card POS machines generally take the UnionPay channel, so only UnionPay cards can be used, and single currency cards cannot be swiped. When you pay the down payment by credit card, it depends on what card you are.

Is it appropriate to buy a house with a credit card?

There are many people applying for credit cards now. Generally speaking, everyone handles credit cards for daily consumption, that is, shopping, catering, tourism and other consumption, and buying a house is not one of them, but banks will not set restrictions on credit cards, and almost all developers have credit card machines. As far as the actual situation is concerned, they can pay the down payment by credit card. And you can pay the house price by credit card, which is not illegal; It can be said that it is very convenient to pay the house price by credit card, which eliminates the trouble of applying for loans from banks or borrowing from others and institutions.

Swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname. Then, according to the issuing bank and the currency to be paid, select the corresponding POS machine, draw the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the bank, and input the corresponding amount. After receiving the information of remote payment, POS will print a credit card payment receipt (at least two copies), and the cardholder will sign the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the complete name matching and the basic handwriting matching), the operator sends the credit card copy and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed.

From the cardholder's point of view, online payment is considered to be one of the most risky payment methods for credit cards, because malicious people may use phishing, eavesdropping on network information, fake payment and other means to steal user information. When paying online, you need to enter the validity period of the credit card, the number of Visa CVV2/MasterCard CVC2/ UnionPay CVN2 next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter your name, the verification code randomly generated by the webpage, etc. After the input is completed, click Submit to complete the online payment. With the development of the Internet, the security of online payment and credit card payment has gradually improved, which has also blown up the trend of online consumption.

Pre-authorization is generally used to pay a deposit, that is, to freeze the available amount of a part of a credit card as a deposit. The process of pre-authorization is similar to manual bill pressing, but the content of the phone call is to ask for the pre-authorization of the corresponding amount, not to ask for money or to press the bill, but to issue a deposit receipt certificate. General pre-authorization will be cancelled by the merchant at the time of checkout. If the merchant forgets to cancel, he can call the merchant to ask for cancellation, but he can't call the authorized institution to cancel himself. Or, wait for the bank to automatically cancel the pre-authorization (usually ranging from 7 to 30 days)

Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays the money according to the monthly recorded amount. In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

Most domestic banks have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.

The introduction of buying a house by credit card and buying a house by credit card ends here. I wonder if you found the information you need from it?