Credit cards are not allowed to repay mortgages. Repaying mortgage with credit products is an act of "supporting loans with loans". To put it simply, "supporting loans with loans" is robbing Peter to pay Paul, which is a very risky and serious lending behavior. This method is not recommended to repay the mortgage.

Credit card is a kind of credit product that mainly deals with non-cash transactions, and its main purpose is to spend in advance. If the money in the credit card is withdrawn in an abnormal and legal way before it is used to repay the mortgage, it is not only an act of "supporting the loan with the loan", but also an act of cashing out the credit card, which will be listed in the personal bad behavior record of the credit information system by the bank, and will also be punished by reducing the credit limit or permanently prohibiting the card from applying for withdrawal.

Paying back the mortgage with a credit card is not only risky, but also has serious consequences, and will be sanctioned by the bank. It is better to go to the bank for personal housing commercial loans and repay them on time.

Personal housing commercial loan is a loan for China residents to apply for housing purchase. Personal housing commercial loans are basically one of the main profitable businesses of banks. According to the relevant regulations of banks, all residents who participate in housing savings and real estate enterprises that provide guarantees to banks for residents' housing loans can obtain loan approval. Personal housing commercial loans are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Personal housing commercial loan is a kind of loan that buyers apply to the bank as a guarantee to repay the loan when buying a house.

Personal housing commercial loans need to prepare the following materials: (1) borrower's ID card, temporary residence permit, household registration book and other materials and copies; (2) the borrower's credit certificate, work certificate or income source certificate and other materials; (3) The appraisal report of mortgaged assets issued by the authoritative appraisal department and the proof materials of ownership of mortgaged assets; (4) If there is a guarantor, a guarantee agreement signed by the guarantor and the credit certification materials of the guarantor shall be issued; (5) Other documents and certification materials as stipulated by the commercial bank.

Can a credit card repay the mortgage and car loan?

Of course.

Credit cards can pay off mortgages and car loans. Credit card funds can be swiped by swiping the card, and then transferred to the debit card of the mortgage car loan, and the deduction can be automatically made on the repayment date. However, there is a handling fee for swiping the card.

Of course, in addition to swiping the card, you can also use the cash withdrawal function of the credit card to withdraw money from the ATM and deposit it in the debit card of the mortgage car loan. Of course, credit cards also have the function of borrowing cash in advance. You can also transfer the available credit card amount to the bank card designated by the credit card, and then to the debit card of the mortgage car loan. But in both cases, banks will charge fees. For example, if an ATM machine withdraws cash, the bank will charge a cash withdrawal fee and interest, and if it is cash borrowed in advance, the bank will also charge interest.

Therefore, neither method is recommended. Then the most economical thing is to swipe your card. Brush out the funds in the credit card and then transfer them to the debit card of the mortgage car loan. However, there is still a charge for swiping the card. However, the handling fee of this credit card is much less than the cash withdrawal and cash advance cost of credit card. So you can use your credit card to repay your mortgage and car loan in this way.

Generally, a handling fee of 1% is charged for cash withdrawal by credit card, and the daily circulating interest is five ten thousandths. Advance cash only charges five ten thousandths of circulation interest every day. However, the handling fee for swiping the card is only 0.6%. Therefore, compared with the three, swiping a card is definitely the most economical.

Finally, to sum up: credit cards can also repay mortgages and car loans. Credit card funds can be swiped by swiping the card, and then transferred to the debit card of the mortgage car loan, and the deduction can be automatically made on the repayment date. However, there is a handling fee for swiping the card.

Now is the credit society, the better the personal credit, the faster things will be handled. In particular, a good credit card use record is helpful to improve personal credit information and is very helpful for the application of mortgage and car loan.

Moreover, it should be noted that there is a one-time handling fee for credit card car purchase, which needs to be paid at the first repayment. If the buyer pays in advance, the one-time handling fee will not be refunded. In addition, the credit card repayment of auto loan is very important to the credit status of the cardholder. The better the cardholder's personal credit information, the better it is for users to apply for mortgage and car loan.

Can a credit card be used to pay off the mortgage?

Credit cards can't repay mortgages. When users apply for a mortgage, they will open an account with the loan bank, and the opened account will be used for repayment and deduction. Mortgage repayment is to deposit cash into the deduction account, and the bank will deduct it on time. Credit cards can only be used for spending, and cannot be used to repay mortgages.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

How to repay the mortgage with a credit card?

Hello.

1. If you want to repay the mortgage with a credit card, you must convert the credit limit of the credit card into cash, which means that the cardholder must withdraw cash with a credit card.

2. At present, in addition to the withdrawal fee, credit card withdrawal will start from the day of withdrawal, and the daily withdrawal rate is 5/ 10000. Therefore, there is still a certain cost to repay the mortgage with a credit card. If the cardholder has cash flow difficulties in a certain month, he can choose to withdraw cash from the credit card to repay the mortgage. After all, if the mortgage is not repaid on time, the fine will be higher.

How to repay the mortgage with a credit card

Credit card can't directly repay the mortgage. Credit cards are used for convenience and discount, but once used improperly, it is easy to cause various additional losses. You can't use the interest-free period of the credit card to repay the mortgage in disguise.

Credit cards cannot be used as repayment accounts for mortgage loans. If the credit card cannot be repaid through the consumer credit line, you can't enjoy the interest-free period of the credit card for up to 50 days.

The so-called mortgage repayment by credit card is actually to withdraw cash from the credit card to repay the mortgage; Once the credit card is used for cash withdrawal, the cardholder must pay interest, which is calculated at the daily interest rate of 5% and the annual interest rate of 18%, which is equivalent to borrowing another sum in addition to the mortgage.

Extended data:

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

Credit card application:

If a customer wants to apply for a credit card, he can directly bring personal ID card and income proof (such as bank running water and payroll) and other relevant information to the counter of the offline business outlet of the selected bank, ask the staff to apply for a card, then get the application form to fill in, and then hand the completed form together with the information to the staff, and then wait patiently for the bank to review.

After the bank's approval is completed, it will naturally send a message to inform the customer. If approved, it will make a card for the customer and then mail the prepared card to the customer. Customers can activate the card and use it after receiving it.

Of course, in addition to applying at the outlets, customers can also apply directly at the bank official website, the mobile banking client or the credit card app. However, it should be noted that if you apply for a bank's credit card online for the first time, you may have to go to the bank for an interview afterwards.

Customers should pay attention to keep the phone open after submitting their card application, because some banks may call to ask customers some relevant information during the audit. In this regard, if you don't receive the call in time, it may have a certain impact on the card approval.

Credit card withdrawal:

When applying for a credit card, the bank will approve the amount according to the applicant's comprehensive qualifications, and the credit card can also be used to raise the amount. The method is as follows:

First, more credit card spending.

If you want to increase the credit card limit, you should spend more by credit card. If you can swipe your card, try to swipe it. It is best to keep a stable consumption record for several months before applying for withdrawal, and it is best to swipe your card about 20 times a month. Merchants who swipe their cards should also be diversified.

Second, properly handle the staging.

Appropriate installment is beneficial to credit card withdrawal, but it is best not to be too long, 3 to 6 installments are enough, and the installment amount is not too large. For example, it is very appropriate to apply for installment after spending on some holidays, and the success rate of withdrawal is also high.

Third, make a good record of using the card.

If you want to return the credit card, a good credit card record is essential, because there is no way to return the credit card because there is a bad record on the credit information, so you must repay it on time to avoid illegal operations such as overdue and cash withdrawal.

How many credit cards can a bank handle? How to repay the mortgage with a credit card?

Now almost everyone has a credit card, so do you know how many credit cards a bank can handle? If people apply for a credit card in the same bank, I only need to apply for one, because the loan amount is the same. Although many banks can repay their mortgages with credit cards, as long as they know the skills.

Now almost everyone has a credit card, so do you know how many credit cards a bank can handle? If people apply for a credit card in the same bank, I only need to apply for one, because the loan amount is the same. Although many banks can use credit cards to repay their mortgages, credit cards can also help people repay their mortgages, as long as they know the skills. How to repay the mortgage with a credit card?

How many credit cards can a bank handle?

1. You can apply for multiple credit cards in the same bank, but it is not necessary, because the credit card limit of the same cardholder in the same bank is shared.

2, but the repayment should be paid separately, and there are also times to meet the annual fee exemption for each card, which is quite troublesome. If it is for collection, you can apply for a card that does not open the card and does not charge an annual fee.

How to repay the mortgage with a credit card?

The ways to repay the mortgage by credit card skillfully are as follows:

1. According to personal habits, directly enter Alipay interface, open Taobao page, click Login button, enter user name and password, and click Login.

2. After logging in successfully, click "Seller Center" at the top to enter the relevant center page.

3. Find the "Alipay Zone" in the middle of the seller center; If you don't have a Taobao shop, you can also directly open the Alipay website to log in.

4. Open Alipay official website.

5. Click "Personal Service" on Alipay's main page. If there is a drop-down list, click "Credit Card Repayment" or "Loan Repayment" as required.

6. Click "Credit Card Repayment" or "Loan Repayment" at will, and you will see two selection buttons on the left. Click and select as needed.

7. After clicking "Credit Card Repayment", a new interface will appear. You can select the repayment bank as required, enter the relevant account number and follow the steps.

8. Click "Repay the Loan", and the bank that also needs to repay the loan will enter the relevant account number for related operations.

9. Either way, please operate in a safe place or on a secure network. When finished, exit the webpage and clean up.

I believe you already know how to repay the mortgage with a credit card! But remind everyone that if you really want to repay your mortgage with a credit card, you must find out whether the bank agrees or not, otherwise you may have to bear legal responsibility. How many credit cards can a bank handle? People can apply for countless credit cards, but most of them are useless, but if it is a commemorative credit card, it is another matter.

That's all about how to repay the mortgage with a credit card.