In April this year, Suzhou issued the "eight housing articles", stipulating that the down payment for buying a house cannot be overdrawn by credit card. In May, Nanjing issued new regulations in the financial sector, proposing to pay close attention to "negative leverage" such as down payment loans for heavy real estate and credit card cashing.

At the same time, some banks set limits according to customers. Experts said: many banks are not allowed to use credit cards to buy houses, and some banks are not allowed to use credit cards to buy houses. Most of them are for risk reasons, and the purchase itself requires a loan, so using a credit card to pay the down payment is equivalent to adding a layer of leverage, and some banks are not allowed to do so for security reasons.

Second, buying a house with a large credit card is easily considered as a risky transaction by banks, which affects subsequent withdrawals.

When buying a house with a large credit card, the general real estate association will use a capped POS machine. The capped POS machine is a kind of POS machine that distinguishes POS machines according to the rate. This kind of POS machine has a low rate, which saves a lot of handling fees for merchants' large transactions. It is also conditional to apply for a capped POS machine. Only industries with large transaction volume such as real estate, automobile and wholesale can handle it, and generally need a business license for a professional market.

Due to the special properties of this POS machine, firstly, credit card points cannot be accumulated in this kind of consumer transactions, and because the amount of credit card swiped on this machine is generally high, this kind of POS machine has also become the key monitoring object of banks. It is easy for banks to think that it is risky to pay large abnormal transactions with capped POS machines, and it is not easy to apply for credit card withdrawal in the future.

In addition, the central bank's new regulations on the charge of bank card swiping fees will be officially implemented on September 6, 2006. With the introduction of this policy, credit card rates will be separated from loans. In the new version, the credit card fees for real estate, automobile and wholesale industries will no longer be capped, which means that there will be no capped fees for credit card consumption in the future. Similar to the introduction of the New Deal, it may become another obstacle to buying a house by credit card.

Third, the interest rate of buying a house by credit card is high, so we should understand the staging method.

Based on Xiao Jing's personal experience, in the process of buying a house with a credit card of 250,000 yuan, she used the credit cards of Guangfa Bank, China Merchants Bank, Shanghai Pudong Development Bank and Industrial and Commercial Bank successively. Except that Shanghai Pudong Development Bank called Xiaojing to suggest repayment in installments, Xiaojing did not receive any tips from other banks about installment. In fact, some banks do not offer installment function for credit card buyers. Therefore, if you must repay the loan in installments, you need to call the bank to confirm before swiping the card.

How high is the interest on credit card installment? Take the Agricultural Bank of China as an example. The total handling fee for applying for 12-month installment payment is 6.36%, which is equivalent to a 20% increase on the basis of the benchmark loan interest rate. Moreover, according to the bank staff, it is quite difficult to approve credit cards by stages, with more than 50,000 yuan.

In the case that banks and cities allow credit cards to buy houses, if the credit card limit is not high enough, you can try to increase the fixed limit by telephone first, and then apply for a temporary increase in the credit limit, which can generally be increased by 50% on the basis of the original credit limit. If you want to improve, you must bring the purchase contract and other materials to the bank counter for review. However, it should be noted that the temporary line cannot be repaid by installments, and the financial difficulties can be alleviated by the minimum repayment amount, but the interest rate of the minimum repayment amount will be surprisingly high, and about 1.7% of the arrears will be paid to the bank every month. It is worth noting that in the case of insufficient funds, the minimum repayment amount and interest must be paid on time, although credit card lending has no collateral and does not involve real estate license. However, if you still don't pay back the money after texting or calling, it will become a malicious debt, and the bank will pursue it through legal channels.

Fourth, it is difficult to use the provident fund to buy a house with a credit card, and it is difficult to refund.

It is difficult to repay the provident fund by buying a house with a credit card, although the debt after swiping the card is also a form of disguised loan to buy a house. However, the amount of this POS machine is not enough to prove that the actual purpose of swiping a credit card is to buy a house, so it is easy to be rejected when applying for repayment with the provident fund.

In addition, if you use a credit card to pay the down payment, once a refund occurs, the refund time will be longer. If the refund time exceeds the interest-free period of the credit card, you need to pay it yourself, and the pressure will be even greater. Therefore, the refund is very troublesome. Think it over before deciding.

(The above answers were published on 2016-11-10. At present, please refer to the actual situation for the relevant purchase policy. )

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