1. Don't use more than one credit card
The down payment of the house can be different from the down payment, and the amount is slightly larger. If your credit card limit is high enough, just use one. However, if the credit card limit is not enough, it is recommended to use at most two large credit cards, and multiple credit cards will be suspected of cashing out at the same time.
2. The temporary limit needs to be paid off at one time.
If the limit of two credit cards is not enough to pay the down payment, you can apply to the bank for temporary adjustment of the limit. After the bank passes the application, the limit can be doubled at most, and most of them can be increased by 8%. However, transactions of real estate types cannot be paid off by stages, and they can only be paid off in one lump sum. Therefore, when the repayment date arrives, it is necessary to pay attention to the temporary amount of consumption and pay it off in one lump sum. If the credit card cannot be returned in time on the repayment date, personal credit information will be tainted.
3. Don't delay the refund because it takes a long time
The buyer paid the down payment, but the contract relationship broke down because of subsequent problems. Even if the developer returns the down payment, there is a process. It is possible that after the down payment is returned to the credit card, the interest-free period of the credit card has passed. In this case, the buyer needs to take another fund to advance on the day of credit card repayment. Not to mention the pressure, some banks have strict management and control, and they will suspect that users will cash out and reduce your credit card limit.
4. Determine the person who will bear the credit card fee
Have you considered the credit card fee? The down payment of the house is not small, and the corresponding handling fee will not be low. Before using a credit card, the buyer should inquire about the charges and related policies of his credit card bank, and negotiate with the developer about the handling fee, and then swipe the card to avoid disputes and unnecessary expenses in the future.
5. Non-accumulative credit card points
The greater the credit card credit limit, the more points. But if the buyers want to brush down payment points with credit cards, forget it. The profit obtained by this kind of transaction bank is low. If the purpose displayed by the credit card machine terminal is to buy a house, buy a car space, etc., it will not be included in the points. In addition, the card swiping machine used for purchasing houses can only use UnionPay cards, and foreign currency cards cannot be swiped.
6. Be psychologically prepared for mortgage risks
Some people think that using a credit card can solve the problem of temporary shortage of funds and help them pay the down payment. When the repayment date of the credit card arrives, there will be no big problem in paying it off. This is actually a fluky psychology, because real estate is different from other consumption, and the amount is large. If the house price fluctuates, the repayment motivation and psychology of buyers will be weakened, and the mortgage risk will increase. Therefore, to make sure that you want to choose a credit card to brush the down payment, you must be psychologically prepared for various situations.