Credit cards (debit cards) can be used to pay the down payment for buying a house, and banks have no restrictions on this. For the user, as long as the amount in the credit card (debit card) is enough, it can be swiped out to pay the down payment. It's just that the down payment of a house usually ranges from hundreds of thousands to hundreds of thousands. Unless the user has a large credit card (debit card), it is very troublesome to brush it.

However, large credit card (debit card) transactions are easily controlled by the wind, such as a credit card (credit card) with a quota of 50,000 yuan and a one-time consumption of 50,000 yuan, which is easily detected as a risky transaction by the system.

Can I pay the down payment on the house by credit card?

Theoretically, credit cards can only be used for daily consumption such as shopping, catering and traveling. But buying a house is not one of them. However, banks will not set restrictions on credit card swiping, and almost all developers have credit card swiping machines. As far as the actual situation is concerned, credit card can be used to pay the down payment of house purchase, but there are some problems that need attention when using credit card to pay the down payment of house purchase.

Precautions for paying down payment by credit card:

1. We pay the down payment on the house by credit card. Because the down payment for buying a house is generally large, we will need multiple credit cards to accumulate credit cards to meet the payment demand. Therefore, if we want to use credit cards to pay the down payment for buying a house, we need to hold multiple credit cards in our hands.

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

We use credit card to pay the down payment for buying a house. Once a refund occurs, 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. The points of ordinary banks are not so easy to earn. For real estate, automobiles, public welfare businesses, building materials wholesale and other transactions, the profits generated are low. Banks generally stipulate that credit cards have no points. Friends who plan to earn points by brushing down payment are afraid to be disappointed.

6. In fact, real estate credit card POS machines generally take the UnionPay channel, so you can only use UnionPay cards, and you can't swipe a single coin++card. When you pay the down payment by credit card, it depends on what card you are.

Can I use a credit card for the down payment on buying a house?

First, yes. Most people who buy a house by credit card can't pay by installment. After paying the down payment with a credit card, you should pay off the credit card consumption in time according to the regulations. Generally speaking, the down payment for buying a house is relatively large, and it may take more than one credit card to meet the payment. If the credit card limit is insufficient, the seller agrees to pay the difference in cash.

Second, if the credit card itself is not enough, you can apply for a temporary limit and then pay the down payment by credit card, which requires the cardholder to pay off the temporary limit in one lump sum before the current repayment date.

Third, credit cards are used to pay the down payment for buying a house. Although this money is also a disguised "loan" and debt for property buyers, it may be more difficult to repay this money with the provident fund, because it is not easy to prove to the provident fund management center that the actual purpose is to buy a house.

Extended data

Pay attention to timely and full repayment after credit card swiping. Cardholders should pay back their credit cards according to their repayment ability. Don't spend too much in advance, lest you can't repay in time, which will lead to overdue credit cards, interest, late fees and even affect your personal credit record.

There are no points for paying the down payment by credit card. Credit card points cannot be accumulated for such consumer transactions. Real estate credit card POS machines generally take the UnionPay channel, so only UnionPay cards can be used.

Refer to Baidu Encyclopedia Credit Card

Can I pay the down payment by credit card when buying a house?

Yes, as long as your credit card is sufficient, you can pay the down payment by swiping it. When buying a house, generally speaking, the down payment is 30%. Your loan period and loan amount are calculated according to your salary certificate and age.

Precautions for buying a house:

Article 1. Don't use the provident fund before applying for a loan. Because if the borrower uses the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in the provident fund account will be zero, and the amount of the provident fund loan will be zero, which means that you will not apply for a provident fund loan.

Second, we should pay attention not to repay the loan in advance in the first year. Because according to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months.

Third, don't forget to inform the rental obligation after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

Fourth, if it is difficult to repay the loan, don't forget to find the bank around you. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. For example, ICBC customers can apply to ICBC for extending the loan period. According to our investigation, if the situation is true and there is no default in repaying the loan principal and interest, ICBC will accept your application for extension.

Fifth, don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral to the real estate transaction core of the district and county where the real estate is located.

Sixth, don't lose loan contracts and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.

Can I pay the down payment by credit card when I buy a car?

Answer:

Yes, but it should be noted that you don't buy a car directly by credit card. It is best to buy it by car loan, usually by credit card.

To handle this kind of business, taking the e-flash loan of China Merchants Bank as an example, I need to promise that the proceeds will only be used for consumption (including but not limited to decoration, home appliances, weddings, car purchases, etc. ), shall not be used in non-consumption and investment fields. These cars can be loaned quickly, so it is enough to consider the repayment time and amount in line with reality.

Buying a car by credit card depends on your financial situation. If you have money to buy a car or make a down payment, you can swipe your credit card first and charge an extra month's interest.

If you have no money to buy a car, you just want to pay by credit card and then pay it back in installments. It's not cost-effective. At present, most car dealers can apply for interest-free loans for two years, with a maximum loan of 70%. Why pay interest by credit card in installments?

If you pay the down payment on a car with a credit card and then take out a loan to buy a car, because you don't even have a down payment, you need to pay the down payment with a credit card.

First, you can buy a car with a credit card. There is no doubt about it.

Secondly, regarding the minimum down payment ratio, it can generally reach 30% down payment, and some can reach 20%.

If you want to borrow money to buy a car, it is suggested that you can choose some car brands with preferential loans, such as Skoda's 2-year 0 interest rate. That will save a lot of interest. Because of the general loan, the interest is at least 10 thousand to 20 thousand.

But another thing you need to know is that the down payment ratio is only the ratio of the bare car price. Other purchase taxes, insurance, licensing fees, etc. All need to be paid in cash.

If the down payment ratio is 30%, the naked car needs to pay 30,000 yuan in cash, as well as the purchase tax plus insurance, plus the loan handling fee. Almost 20 thousand yuan, so the down payment needs 50 thousand yuan This needs to be understood in case the budget is insufficient.

Finally, a loan to buy a car must be based on your own income. Don't let the loan repayment bring too much pressure to your life, which will be counterproductive.

So much for the introduction of credit card down payment.