1. No bank stipulates that the credit card debt must be paid off before the loan, but some banks will calculate the credit card debt as a liability when calculating the approval amount, so the loan amount will be reduced.

2. Credit card repayment methods are as follows:

3. Method 1: Third-party payment platform repayment

4. At present, the repayment methods of third parties are generally Alipay, WeChat, Caitong and so on. Generally speaking, if the platform is different and the bank is different, then the charging situation is often different. Alipay has a free repayment amount of 2, yuan per month.

5. Method 2: Automatic repayment

6. Automatic repayment of credit cards generally requires the cardholder to bind one of his own bank debit cards. And open the automatic repayment function, so that the bank will automatically transfer the money from the debit card to the credit card account before the final repayment date of the credit card every month.

7. Method 3: online banking repayment

8. Online banking repayment, the cardholder only needs to turn on the computer and log in to the bank account to repay. However, it should be noted that different repayment banks are selected, and the charging standards and the specific arrival time of the funds are different.

For more information about the loan, do I have to pay off my credit card? Enter: See more information. Do I need to pay off my credit card to apply for a mortgage?

No bank stipulates that the credit card debt must be paid off before the loan, but some banks will calculate the credit card debt as a liability when calculating the approval amount, so that the loan amount will be reduced;

However, if the credit card is at the minimum repayment level, it also means that the repayment ability is not very strong, and the bank will consider the repayment ability;

if you have money in your hand, you must replace the money in your credit card first, because the interest on the minimum repayment of credit cards is actually higher than 18%. If the discount rate of 4.158% for mortgage loans of more than five years is calculated, it is more than three times higher than the mortgage interest rate, which is a waste of money.

loan to buy a house: refers to the loan business in which the buyer applies for a loan from the bank with the building traded in the house as collateral to pay the house purchase price, and then the buyer pays the principal and interest to the bank in installments, also known as house mortgage loan.

Mortgage means that the buyer fills in the application for mortgage loan to the bank, and provides legal documents such as ID card, income certificate, house sales contract, guarantee, etc. After passing the examination, the bank promises to grant loans to the buyer, and handles real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loaned funds to the account of the seller within the time limit stipulated in the contract.

Factors that affect the loan life and mortgage term:

Age of the loan applicant: When the bank evaluates the mortgage repayment period for the borrower, it first takes its age as the basis. Generally speaking, under the premise of meeting the loan conditions, the younger the age, the longer the loan period, whereas the older the age, the shorter the loan period.

under normal circumstances, "the lender's age+loan period is no more than 65 years", which means the loan period that the bank can handle for him.

the age of the house to be loaned: when the lender purchases the house, the "age" of the house to be purchased will determine how many years he can borrow. According to the regulations of the bank, it is easier to make loans for properties with newer rooms.

For second-hand houses with a building period of less than 1 years, the conditions are good in all aspects, and banks are willing to speed up the examination and approval of such housing loans. However, in 197s and 198s, the second-hand houses were relatively old, and the risk of loans controlled by banks was relatively high, so banks were very cautious in approving loans for such houses.

the financial ability of the loan applicant: on the other hand, for the applicant who buys a house by loan, such as work income, job stability, savings deposits and assets are also factors considered by the bank, and they are also factors to measure the application time of their own loan years.

borrowers with strong economic strength can consider loan schemes with short loan life and certain repayment pressure.

a loan scheme with 7% for 1 or 15 years or even 6% to 5%. Borrowers with poor economic strength should pay attention to whether their own economic conditions allow them to bear greater repayment pressure. If the bank's reputation and qualifications are good, such people may get loans for up to 8% to 2 years.

should I pay off the credit card for the loan to buy a house?

No bank stipulates that the credit card debt must be paid off before the loan, but some banks will calculate the credit card debt as a liability when calculating the approval amount, so that the loan amount will be reduced;

However, if the credit card is at the minimum repayment level, it also means that the repayment ability is not very strong, and the bank will consider the repayment ability;

if you have money in your hand, you must replace the money in your credit card first, because the interest on the minimum repayment of credit cards is actually higher than 18%. If the discount rate of 4.158% for mortgage loans of more than five years is calculated, it is more than three times higher than the mortgage interest rate, which is a waste of money.

loan to buy a house: refers to the loan business in which the buyer applies for a loan from the bank with the building traded in the house as collateral to pay the house purchase price, and then the buyer pays the principal and interest to the bank in installments, also known as house mortgage loan.

Mortgage means that the buyer fills in the application for mortgage loan to the bank, and provides legal documents such as ID card, income certificate, house sales contract, guarantee, etc. After passing the examination, the bank promises to grant loans to the buyer, and handles real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loaned funds to the account of the seller within the time limit stipulated in the contract.

Factors that affect the loan life and mortgage term:

Age of the loan applicant: When the bank evaluates the mortgage repayment period for the borrower, it first takes its age as the basis. Generally speaking, under the premise of meeting the loan conditions, the younger the age, the longer the loan period, whereas the older the age, the shorter the loan period.

under normal circumstances, "the lender's age+loan period is no more than 65 years", which means the loan period that the bank can handle for him.

the age of the house to be loaned: when the lender purchases the house, the "age" of the house to be purchased will determine how many years he can borrow. According to the regulations of the bank, it is easier to make loans for properties with newer rooms.

For second-hand houses with a building period of less than 1 years, the conditions are good in all aspects, and banks are willing to speed up the examination and approval of such housing loans. However, in 197s and 198s, the second-hand houses were relatively old, and the risk of loans controlled by banks was relatively high, so banks were very cautious in approving loans for such houses.

the financial ability of the loan applicant: on the other hand, for the applicant who buys a house by loan, such as work income, job stability, savings deposits and assets are also factors considered by the bank, and they are also factors to measure the application time of their own loan years.

borrowers with strong economic strength can consider loan schemes with short loan life and certain repayment pressure.

a loan scheme with 7% for 1 or 15 years or even 6% to 5%. Borrowers with poor economic strength should pay attention to whether their own economic conditions allow them to bear greater repayment pressure. If the bank's reputation and qualifications are good, such people may get loans for up to 8% to 2 years.

Should I pay off my credit card before buying a house with a loan?

The minimum repayment amount of a credit card does not affect personal credit. As long as it is repaid on time in each installment, the bank will have a higher credit rating. Because even if the repayment is made on time, the bank interest will be paid. As long as there is no overdue, there will be no bad record and the loan will not be affected, so there is no need to pay off the credit card debt with the loan money.

No bank stipulates that the credit card debt must be paid off before the loan, but some banks will calculate the credit card debt as a liability when calculating the approval amount, so that the loan amount will be reduced;

However, if the credit card is at the minimum repayment level, it also means that the repayment ability is not very strong, and the bank will consider the repayment ability;

Reminder, if it is overdue, even if it is paid off now, there will still be overdue records when you check the credit report, but the overdue time is counted as the date of payment.