In some cities, you can buy a house with a credit card. We can directly use the money in the credit card to pay the down payment of the house, and then go to the bank to apply for a loan for the remaining house payment. However, some cities prohibit the use of credit cards to pay down payments for home purchases, so the specifics also depend on local home purchase policies.

If you buy a house with a loan, the general process is as follows:

① First we have to find a suitable house. If you are satisfied with the house, you can confirm the final price with the seller, and Both parties must sign a deposit contract.

② After signing the contract, you need to pay the down payment for the house, then take the contract to the bank to apply for a loan, and submit relevant materials to the staff for review.

③ If there is no problem with the materials and you meet the loan requirements, the bank will sign a formal loan contract with the applicant, and the loan will usually be issued in the next month.

④After the loan is issued, the applicant needs to repay his principal and interest on time every month.

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