Quite simply, the bank will print the customer's credit report and calculate all the liabilities shown in the credit report. For banks, you need to consider your repayment source comprehensively. For example, if your salary income is 5,000 yuan per month, then the maximum monthly repayment accepted by the bank is 2,500 yuan.

If you have other debts, such as paying 500 yuan by credit card every month, you should deduct the 500 yuan. In other words, your total debt determines how many loans you can borrow, including credit cards. Under normal circumstances, small overdraft banks are not included, and banks will never consider large overdraft liabilities like you.

Many cities and banks are not allowed to use credit cards to buy houses.

If you want to buy a house with a credit card, the first thing you need to face is whether cities and banks allow it. At present, the control measures of Suzhou and other real estate hotspot cities have been introduced, and credit cards are not allowed to pay down payment.

In fact, it is not allowed to buy a house with credit card overdraft, which is not only the need of government real estate regulation, but also the risk control measures of banks.

For example, buying a house itself requires a loan. If you still use a credit card for down payment, it is equivalent to adding another layer of leverage. For risk reasons, banks may not allow this.