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.

How can I get a down payment from my colleague's credit loan?

Self-made credit loans cannot be used for down payment.

Credit information will be checked before the mortgage loan is approved. Once the credit loan is reflected in the credit report, the bank manager will let it be returned. Otherwise, it will not be approved, so you can't apply for a credit loan to pay the down payment.

2. Credit loans made by others can be used for down payment.

If you have family members or friends who are willing to help, you can ask your friends or family members to help you with the loan first, and then lend it to them after your mortgage comes down.

Of course, if you don't have any friends to help you, or you don't want to trouble others or owe this favor, there are currently three ways to get a down payment loan in Hangzhou.

1. The bank will issue it by credit card. Does not reflect credit loans.

2, good credit, clear income, can not be credited. It belongs to this organization.

3. Let friends be co-borrower, and money is in the name of friends.

If it is a second-hand house, the down payment of 60% is not enough, and it is also possible to use a mortgage. You can prepare 30% by yourself, pay 70% in advance and pay in full, then mortgage 70% and pay back the advance. This form will turn 60% into 30%.

Of course, for buying a house, the loan is only the first step, and the second step is how to choose a house. This is related to the quality of life in the future. Life depends on choice. Why did the newly graduated students leave at the same time? 10 years later, many people's grades are quite different. The reason lies in this choice, of course, this also applies to buying a house.

According to external regulations, credit loans can't pay down payment.

The down payment can be paid, but there are certain risks.

Because if you spend a lot of money with a credit card, it will be considered illegal by the bank, commonly known as "cashing out". Banks strictly prohibit such behavior, which is illegal. The bank may seal your card and recover the funds, which will also be recorded in the credit record, leaving a stain on your credit.

Even if the down payment can be made in this way, the subsequent burden will be great, and a large number of credit card consumption will be made by using the promotion quota, and the down payment of the property must be paid in one lump sum, so the bill must be paid in one lump sum. Once the credit loan is used and then mortgaged, it is very likely to trigger a down payment loan, leading to mortgage failure, which may eventually lead to default in buying a house.

Can I pay the down payment with a credit loan? What are the requirements for applying for a credit loan?

The behavior of borrowing is particularly common in life, and there are various channels for borrowing. In addition to financial banks, there are even some private companies, and many lending platforms have been launched on the Internet. At present, the types of loans are also diverse. In addition to commercial loans, there are also provident fund loans to buy houses or some consumer loans and credit loans. Now many of them don't need any guarantee or mortgage, so it's very convenient and simple to apply. Let's take a look together. Can I pay the down payment with a credit loan? What are the requirements for applying for a credit loan?

Can I pay the down payment with a credit loan?

Credit loans can be used for down payment. When applying, you must pay attention to whether you meet the application conditions. The application process is very simple. Applicants can submit their own applications to local banks or lending institutions, and at the same time prepare all kinds of materials needed for payment. At this time, they can personally go to the bank or lending institution to sign. The bank will review the qualifications of the lender as soon as possible, and will lend money as soon as possible after the approval.

What are the requirements for applying for a credit loan?

1. The applicant has full capacity for civil conduct.

2. The applicant's personal credit information is good and there is no bad record.

3. The applicant has a stable economic income.

4. The applicant has legitimate loan purposes.

5. The applicant agrees to other conditions required by the bank.

The above content is a brief introduction to the issues such as whether it is ok to pay down payment for credit loans and what conditions need to be met in applying for credit loans. I hope I can help my friends in need. Credit loans are widely used now. Because this kind of loan product is particularly convenient and simple, and the speed of online lending is also very fast, many young people will choose credit loans.

How to apply for a personal credit loan from Shang Hui Bank?

The Bank of Shang Hui stipulated the conditions for applying for personal credit loans. One of the important criteria is that the applicant must be an on-the-job person in a regular unit. In other words, the applicant must have a stable job, and the work unit must be formal and able to provide wages. Of course, it is also essential to have no bad credit record.

1. Application Conditions for Personal Credit Loan of Shang Hui Bank

1, a natural person aged 22 to 60 with full capacity for civil conduct;

2. Provide valid identity documents;

3. Having a fixed and detailed residence in this city;

4. Regular employees, and the unit where they work has signed a personal credit business cooperation agreement with the bank;

5, honest and trustworthy, no bad records;

6. Hold the bank's salary account in principle;

7. Other conditions stipulated by the bank.

Two. Shang Hui Bank Personal Credit Loan Handling Process

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

note:

Credit loan refers to the behavior that meets the comprehensive consumption needs of individual customers with good credit, and grants the applicant a certain credit line at one time, and the applicant can use the bank's loan at any time, in stages and in cycles within the loan amount and validity period; The credit line is determined by the bank according to the results of personal credit evaluation, with a maximum of 6,543,800 yuan; The longest term of the credit line shall not exceed 2 years.

Extended data:

Information required for personal credit loan application of Shang Hui Bank:

When a borrower applies for a personal credit loan from a bank, it is required to fill in the application form in writing and submit the following materials:

1, my valid identity document;

2. Proof of residential address (household registration book, etc. );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information stipulated by the bank.

According to the specific access conditions of the borrower, one of the following materials needs to be reviewed:

1, a written certificate of the post and professional technical level issued by the personnel department of the customer unit of the high-quality enterprise;

2 bank deposits, bonds, funds and other personal financial assets; Property certificate under the name of the individual (or spouse);

3. Peony Platinum Card customer information;

4. Customer certification materials of China Industrial and Commercial Bank's wealth management account;

5. Text of personal loan contract of China Industrial and Commercial Bank.