If a customer gets a credit card by the way when he goes to the bank to apply for a mortgage, it is likely that the outlets have bundled sales in order to complete the business volume, so as to increase the amount of credit cards issued. In fact, in addition to credit cards, some bank outlets will also tie in financial products such as insurance, wealth management and funds.

In the case that the credit card is tied with the housing loan, if the customer doesn't want the credit card, he can refuse it directly. After all, it's a housing loan, not a credit card. Of course, if the customer just needs a card, it is also the right time to apply for a credit card.

For credit cards that have been approved, if customers don't need to use them, they can choose not to activate (provided that the credit card belongs to the type of non-activation and no charge); Or directly apply for cancellation of the card.

Don't worry about the adverse effects of refusing to apply for a credit card on the mortgage. Among the "seven prohibitions" on the credit business of banking financial institutions clearly stipulated by the CBRC, "no tying loans" is included.

What are the procedures for buying a house loan?

1. At this time, it is necessary to check whether the developer has "five certificates": state-owned land use certificate, construction land planning permit, construction project planning permit, housing construction permit and commercial housing sales (pre-sale) permit. Pay the down payment, and pay attention to keep the down payment receipt.

2. When you go to the bank to fill out the application form for personal housing loan, the developer will generally sign a cooperation agreement with one or several banks, so it will be more convenient to go to the bank that has an agreement with the developer to handle the mortgage loan agreement.

Bring the down payment receipt, commercial housing sales contract, ID card, city residence booklet (temporary residence permit for more than one year for non-local accounts), income certificate and other originals and copies to the bank to fill in the application form for personal housing loan.

3. The bank shall review the mortgage loan application, and the credit personnel shall review and approve the materials submitted by the applicant step by step. If it is considered that it meets the conditions of bank loans, the applicant shall be notified to sign the Individual Housing Mortgage Loan Contract, and the contract period shall not exceed 30 years. Go to the Housing Authority to apply for the certificate of other rights of the house, which proves that the house has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company to apply for family insurance.

4. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.

5. The borrower must repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can recover the house according to law. After the loan principal and interest are settled, the mortgage registration is cancelled, and the buyer becomes the real owner of the house.