1. Credit card down payment does not accumulate points. Cardholders should also swipe their cards according to their repayment ability, and don't spend too much in advance, so as not to be able to repay in time, which will lead to overdue payment of interest and even affect personal credit records.
2. It is best to use 1-2 large credit card for payment. Don't use too many credit cards to avoid the suspicion of cashing out. After the credit card pays the down payment, the cardholder can call the customer service phone of the credit card center of the issuing bank to apply for installment payment of the credit card bill.
3. If the credit card itself is not enough, you can apply for adjusting the temporary credit limit. The adjustment range of temporary credit line varies from bank to bank. Some banks can adjust the credit line according to the standard of 100%, while others can only increase it by 50%-80%. After applying for a temporary credit line, the down payment by swiping the card requires the cardholder to pay off the temporary credit line in one lump sum before the current repayment date, and it cannot be phased.
Although the credit card installment payment business has solved the urgent need of house slaves, it is much higher than the ordinary bank mortgage interest rate. Calculated by installment 150000 yuan, it is divided into 12 installments, and the total handling fee for one year is 10500 yuan, which is equivalent to the annual interest rate of about 7%, while the current one-year loan benchmark interest rate is 6%.
In fact, paying down payment by credit card will cost a lot more than buying a house, so not everyone is suitable for buying a house by credit card. If you pay the down payment by credit card, you must think carefully.