1. Advantages of buying a house with a credit card: Having a good credit card repayment record is beneficial to loan approval.

2. The conditions for applying for a mortgage to buy a house are as follows:

(1) Natural persons aged 18-65 years old.

(2) Have a valid ID card.

(3) Good credit report and no bad records.

(4) Have a stable career and stable income.

(5) Commercial housing sales contract or letter of intent for the purchased housing.

(6) Have the ability to pay the down payment for the house purchased.

(7) Open a personal settlement account in a bank and have a valid guarantee.

(8) Other conditions specified by the bank.