If the cardholder buys a house in full, there is no need to apply for a loan, and using a credit card will not affect the purchase, so don't worry at all.

Second, buying a house with a loan will have a negative impact.

1. Credit card overdue repayment

If you want to borrow money to buy a house, the bank will definitely check the borrower's credit information. If the credit card is used heavily, it is overdue for more than 6 times in the past two years, or overdue for 3 times in a row, and overdue for more than 90 days, you will be rejected by the second.

2. Too much credit card debt

If multiple credit cards are used and there are multiple credit cards in their names, and the credit limit of each credit card is above 70%, the bank will think that the cardholder's debt ratio is too high, which will make it more difficult to apply for a mortgage, or will reduce the loan limit.

If you only have one or two credit cards, you can always repay them on time and will not be overdue, which will help cardholders accumulate a good credit record. When applying for a loan, the credit card amount is not high, and the credit card is used more. Banks can quickly understand the credit status, debt ratio and lending habits of cardholders, which is conducive to applying for mortgages.

What is the impact of excessive use of credit cards on buying a house? It needs to be treated dialectically in combination with the actual situation. Normal use of credit cards has no negative impact on buying a house.

Prepare in advance

1. Reduce the debt ratio

The credit card overdraft amount is included in the debt. If there is too much overdraft, the debt ratio will increase, and the bank will refuse the loan because the borrower's repayment ability is insufficient. Therefore, one or two months before applying for a housing loan, we should deliberately reduce the overdraft limit of the credit card, and then restore the overdraft limit after the loan is approved.

2. Keep a good credit record.

Credit card holders can cultivate their credit card records six months in advance. During this period, they can intentionally spend more by credit card, repay on time, and try not to handle credit card installment business with large amount. In this way, a sufficient number and quality of credit records have been cultivated.