First, if the down payment is 1 10,000, you can pay the down payment by credit card and repay it in installments. If the credit line is not enough to pay, if the cardholder's credit status is good and his income is stable, he can show the income certificate issued by the unit, apply to the counter for temporarily increasing the credit line to the down payment of the house payment, and then pay the down payment by credit card.

Second, 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 we should pay attention to the following issues:

1, the credit card should be repaid in full and on time. Cardholders should swipe their cards according to their repayment ability, and don't spend too much in advance, so as to avoid overdue credit cards, interest late fees and even personal credit records;

2. If the credit limit of the credit card itself is insufficient, you can apply for adjusting the temporary credit limit. The scope of temporary credit card limit adjustment varies from bank to bank. Some banks can adjust the limit according to the standard of 100%, while others can only increase by 50%-80%. After applying for the temporary limit, the down payment is made by credit card, which requires the cardholder to pay off the temporary limit in one lump sum before the current repayment date, and cannot be paid in installments;

3. Credit card payment for down payment does not accumulate points;

4. Real estate credit card POS machines generally take the UnionPay channel, so only UnionPay cards can be used, and foreign currency cards with single currency cannot be swiped;

5. It is best to use 1-2 large credit card for payment. Don't use credit cards too much to avoid the suspicion of credit card cashing;

6. After the credit card pays the down payment, the cardholder can call the customer service phone of the credit card center of the issuing bank to apply for installment repayment of the credit card bill.