Especially since August, many banks have continuously tightened the credit cards of real estate developers, but the enforcement is different. Some banks completely restrict real estate developers, and some banks set trading limits.
Among them, the reporter learned that the merchant codes related to real estate in credit cards are: residential and commercial real estate development (merchant category code 1520), real estate agents and brokers (merchant category code 70 13), real estate construction and installation projects (merchant category code 177 1) and real estate management.
Generally speaking, the purchase of commercial housing by credit card, or the purchase of credit card in real estate agency is mostly stopped, and the payment of property fees by credit card and the time-sharing rental of houses (rental houses) are restricted, and a single transaction does not exceed10.5 million or 30,000 yuan.
Buying a house and real estate agents are prohibited from trading.
Credit card transactions such as house purchase and real estate agency are restricted by some banks.
Specifically, on September 27th, the Credit Card Center of China Merchants Bank announced that it would strictly implement the relevant regulations on the use control of credit card funds as required, and set restrictions on the transactions of credit cards in some types of merchants. Among them, China Merchants Bank credit cards cannot be traded in real estate merchants (merchant category codes are 1520, 177 1 70 13).
On September 30th, China Everbright Bank announced that according to the requirements of the regulatory authorities, China Everbright Bank will control the transactions of credit card funds flowing into real estate-related fields from June 8th. 10, when such merchants overdraw, the transactions will fail.
On September 12, Industrial Bank announced that, according to the requirements of the regulatory authorities, the overdraft transactions of its credit cards in some types of merchants were restricted recently, and Industrial Credit Cards could not be used in real estate merchants (merchant category codes are 1520, 70 13, 70 12,/Kloc-0).
Among the big state-owned banks, CCB's credit cards explicitly prohibit transactions in domestic real estate merchants (merchant category codes are 1520, 177 1 70 13). In addition, CCB credit cards are not allowed to be traded in domestic wealth management and investment merchants (merchant category codes are 60 12, 605 1, 62 1 1).
There are also banks buying houses, real estate agents and other businesses trading in limited quantities. The credit card of Bohai Bank previously announced that the single transaction amount of the bank's credit card in domestic real estate merchants (merchant category codes are 70 13, 70 12, 65 13) does not exceed 10000 yuan, and the monthly cumulative transaction amount of the bill does not exceed 30,000 yuan; Credit card transactions are prohibited by domestic real estate merchants (merchant category code is 1520), and overseas real estate transactions are not allowed.
Restricted transactions of property fees and rental houses
Property fees, rental housing, etc. Most of them are limited by trading quotas.
Among them, China Merchants Bank credit card sets transaction restrictions on property and time-sharing merchants (for example, merchant category codes are 65 13, 70 12, etc. ). When dealing with such merchants, China Merchants Bank Credit Card may lead to transaction failure.
On September 26th, CCB announced that it would control the transactions of credit cards in some types of merchants in the near future. The transactions of CCB credit cards in domestic real estate merchants (merchant category codes are 65 13 and 70 12) will be controlled by customers: the single transaction amount will not exceed 30,000 yuan, the daily cumulative transaction amount will not exceed 50,000 yuan, the monthly cumulative transaction amount will not exceed 50,000 yuan, and the semi-annual cumulative transaction amount will not exceed 50,000 yuan.
On August 30th, the Agricultural Bank of China announced that according to the requirements of the regulatory authorities, the transactions of credit cards in some types of merchants will be controlled in the near future. The single transaction amount of agricultural credit card in domestic real estate merchants (merchant category codes are 65 13,177, 70 12) shall not exceed10.5 million yuan, and the daily cumulative transaction amount shall not exceed10.5 million yuan. Credit cards of Agricultural Bank of China are not allowed to be traded in domestic real estate merchants (merchant category codes are 1520, 70 13).
Ping An Bank Credit Card also recently issued a notice to restrict real estate merchants according to relevant regulations in order to implement relevant policies on real estate regulation. When holding a Ping An credit card overdraws in such merchants, the transaction may fail. Previously, Ping An of China required that the monthly (natural month) RMB transaction amount should not exceed 30,000 yuan, and the annual (natural year) accumulated amount should not exceed 654.38+10,000 yuan.