Few people will pay the house price in one lump sum when buying a new house. After all, the house price for buying a new house is not a small sum, so most people will choose to buy a house by credit card or mortgage loan. Can you buy a house by credit card? What should I pay attention to when buying a house by credit card? Let's take a look at it with Xiaobian.

1. Can I use a credit card when buying a house?

1. You can use a credit card when buying a house, because it is legal to use a credit card to pay the house price. Buying a house with a credit card is not only convenient, but also avoids the trouble of applying for loans from banks or borrowing from other financial institutions. The credit card fund is a credit fund given by the bank to the cardholder. It is not necessary to use it for nothing. As long as the cardholder can use the credit card within the interest-free period, the credit card overdraft can enjoy the discount of zero interest, and it will also provide a buffer period for the cardholder's repayment.

2. A small number of banks will set credit card restrictions on the consumption of real estate, and most other bank credit cards can be used to pay the house payment. In addition, because the house payment is relatively large, it usually takes several credit cards to accumulate credit cards to pay the house payment. Therefore, if the buyer wants to buy a house, he needs to hold several credit cards in his hand.

Second, what should be paid attention to when buying a house by credit card

1. If the credit card limit is not enough, the cardholder can apply for adjusting the temporary credit limit, but the scope of adjusting the temporary credit card limit of each bank is different. Some banks adjust the credit card quota according to the standard of 1%; Some banks adjust the credit card quota according to the standard of 8%. After the cardholder applies for a temporary credit card to buy a house, the cardholder needs to pay off the amount of the temporary credit card in one lump sum before the repayment date of the current period, and cannot repay it in installments.

2. If there is a refund after using a credit card to buy a house, the refund time will generally be longer, then the cardholder should pay attention to the time limit between the credit card's swiping date and the due repayment date, and the credit card repayment cannot be overdue because of the extension of the refund time.

3. Credit cards must be repaid in a sufficient amount in time. Cards should mainly repay their credit cards according to their own financial ability. Don't spend too much on credit cards, so as to avoid their inability to repay in time, which will lead to overdue repayment of credit cards. Then the card owner will bear overdue interest and late fees, and it will also affect the card owner's own credit record.

4. If the buyer uses a credit card to buy a house, there will be no credit card points for this kind of consumer transactions, because most of the real estate POS machines use the UnionPay channel directly, so they can only use the UnionPay card of the bank, but not the foreign currency card with a single currency.

The above is the introduction about whether you can use a credit card when buying a house and what you should pay attention to when buying a house by credit card. Buyers must use credit cards properly. Because the amount of buying a house is large, if you don't pay the credit card arrears in the later period, you will still be miserable.