1. Will paying a down payment with a credit card affect the mortgage loan when buying a new house?

First of all, let me conclude that paying a down payment with a credit card affects the mortgage loan (whether it really affects it mainly depends on the amount. If you just If you spend tens of thousands of yuan, it should have no impact), mainly in the following aspects: 1. If the credit card debt is high, such as more than 100,000, you may be rejected in the subsequent mortgage loan approval process because of the credit card debt. Debt is too high. 2. According to the policy of the China Banking Regulatory Commission, credit cards cannot be used to buy a house. If you are buying a new house and pay with a credit card at a developer, it is very likely to be monitored by the bank, and your credit card limit is very likely to be withdrawn. 3. If you are buying a second-hand house, you must use a POS machine to cash out. In this case, if the limit is too high, the loan will be rejected in the first situation, and the credit card debt will be listed in the credit report in a short period of time. Mortgage loan approval will require two credit checks, so even if you are approved for a loan, if your credit card debt is too high during the second credit check, you may not be able to get the loan, which will have a greater impact on buying a house. Based on the above points, you cannot use ordinary credit cards as down payment to buy a house. What should you do if you are short of down payment? You can use credit cards that are “not creditworthy” as a down payment: Let’s first talk about not being creditworthy. Many people have a misunderstanding about loans that are not creditworthy. It does not mean that they will not repay the loan. , will not affect your credit report. Currently, loans that are not subject to credit reporting are mainly issued in the form of large installments by credit card, or are subject to local credit reporting systems, and the People's Bank of China's credit reporting cannot reflect liabilities. The core significance of the loan not being on the credit report is that the People's Bank of China cannot reflect the debt situation, which will not have an impact on later purchases of houses, cars, and more financing loans. Let’s take a look at the unlisted credit loans in Beijing as follows: (Shanghai, Shenzhen, Guangzhou, Chengdu and other cities will be updated in succession) (1) Bank 1, quota 300,000, monthly interest rate 0.5%, term 3 years, equal principal and interest repayment , loan approval and disbursement within 3 working days. (2) Bank 2, with a limit of 300,000, a monthly interest rate of 0.5%, a term of 3 years, equal repayments of principal and interest, and loan approval and disbursement within 3 working days. (3) Bank 3, with a limit of RMB 300,000, a monthly interest rate of 0.6%, a term of 3 years, equal repayment of principal and interest, and loan approval within 5 working days. (4) Bank 4, with a limit of RMB 300,000, a monthly interest rate of 0.75%, a term of 3 years, equal repayments of principal and interest, and loan approval within 5 working days. (5) Bank 5, with a limit of RMB 200,000, a monthly interest rate of 0.45%, a term of 3 years, equal repayment of principal and interest, and loan approval within 2 working days. (6) Bank 6, with a limit of RMB 500,000, a monthly interest rate of 0.36%, a term of 3 years, equal repayment of principal and interest, and loan approval within 5 working days. (7) Bank 7, with a limit of RMB 300,000, a monthly interest rate of 0.42%, a term of 5 years, equal repayments of principal and interest, and loan approval within 5 working days. (8) Bank 8, the limit is 500,000 (applied by both husband and wife), the monthly interest rate is 0.63%, the term is 3 years (can be renewable), the principal is repaid after interest, and the loan is approved and disbursed in 1 working day. (9) Bank 9, the limit is 200,000, the monthly interest rate is 1%, the term is 3 years, the principal is repaid after interest, and the loan is approved in 2 working days. Customize the overall financing plan and planning for house purchase and loan in first- and second-tier cities to achieve the lowest cost.

2. Can I still get a mortgage after paying the down payment for a house with a credit card?

After paying the down payment for a house with a credit card, you can also get a mortgage.

Information required to apply for a mortgage loan:

1. Original and 3 copies of the identity cards and household registration of the applicant and the spouse (if the applicant and the spouse do not belong to the same household Proof of marriage relationship must be attached separately).

2. Original house purchase agreement.

3. An original and a copy of the receipt for advance payment of 30% or more of the room price.

4. Documents proving the applicant’s family income and relevant assets, including salary slips, personal income tax returns, and income certificates issued by the unit

5. The developer’s collection account number 1 serving.

Loan procedures:

First, go to the bank to understand the relevant situation;

Apply for a personal housing loan with the above information;

Then accept the bank's review and determine the loan amount;

Then you can apply for a loan contract, and the bank will handle insurance;

Process property mortgage registration and notarization;

The last thing left is for the bank to issue a loan and cancel the registration after borrowing the principal and interest.

3. Will applying for a credit card when applying for a mortgage have any impact on the mortgage?

Hello, it will not be affected. As long as the mortgage review conditions and credit card review conditions are met, both applications can be approved. To apply for a mortgage loan, you need to meet the following conditions: Chinese residents with local urban permanent residence or valid residence status, aged 18-65; have stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule; have all the rights to purchase the house. Self-raised funds of more than 20% of the price and guaranteed to be used to pay the down payment of the purchased house; assets recognized by the bank as mortgage or pledge, or units or individuals with sufficient repayment capacity to repay the principal and interest of the loan and assume joint and several liability A guarantor; there is a house purchase contract or agreement, and the price of the house purchased is basically in line with the assessed value of the bank or the real estate appraisal agency entrusted by the bank; other conditions stipulated by the bank. Credit card applications need to meet the following conditions: be at least 18 years old and not more than 65 years old, a natural person with full civil rights; have a stable and legal source of income; provide authentic and verifiable review information; and have a stable residence in the place of application.

4. Can I still get a mortgage loan after paying the down payment for the house with a credit card?

Can I get a mortgage loan?

Mortgage loan procedures

First of all, please go back to the bank to understand the relevant situation. And prepare the relevant documents to apply for a personal housing loan with the above information.

Then accept the bank's review and determine the loan amount.

Next, you can apply for a loan contract, and the bank will handle insurance on your behalf. Handle property mortgage registration and notarization.

The last thing left is the bank's loan, the borrower's monthly repayment and the cancellation registration after paying off the principal and interest.