Feasible. 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.

In fact, the money in the credit card is the credit loan fund given to you by the bank. As the saying goes, "something for nothing", as long as you use a credit card during the interest-free period, you can enjoy the discount of zero interest if you overdraw your card, which provides a certain buffer period for cardholders.

In addition, 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 some problems still need attention.

Matters needing attention when paying down payment by credit card

1. Pay the down payment for buying a house by credit card. Because the down payment for buying a house is generally relatively large, 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.

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

3. Once the down payment for buying a house is refunded by credit card, 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. There is no point in paying down payment for buying a house with a credit card. Credit card points cannot be accumulated for such consumer transactions.

6. Real estate credit card POS machines generally take the UnionPay channel, so you can only use UnionPay cards, not single currency foreign currency cards.