You can use a credit card (debit card) as a down payment to buy a house, and banks have no restrictions on this. For users, as long as the balance in their credit card (debit card) is sufficient, they can use it to pay the down payment. However, the down payment for a house usually ranges from hundreds of thousands to hundreds of thousands. Unless the user has a large credit card (debit card), it will be very troublesome to pay.

Moreover, large-value credit card (debit card) transactions are easily subject to risk control. For example, if the credit card (debit card) limit is 50,000 yuan and a one-time consumption of 50,000 yuan is made, it can easily be detected by the system as a risky transaction.