If the mortgage is passed and there is no loan, the user's credit card can be used normally as long as the status is normal and there is an available line. Since the mortgage review has passed, banks generally will not check the credit information again, even if the credit card is overdue, it will not affect the mortgage. Of course, although the overdue credit card will not affect the mortgage, it will still affect the user's personal credit information.

Therefore, after the mortgage is approved, the user can use the credit card, and it is best for the user to stop using the card during the application period.

You can use a credit card before the mortgage is released, but don't overdue the repayment. Timely repayment records of credit cards help banks to better evaluate users. The normal use of credit cards will not affect the mortgage approval, but try not to withdraw cash or spend in large quantities, because it will make the bank think that you are short of money recently.

When applying for a mortgage, you can ask the staff if you can use a credit card. If the bank staff of the loan reminds the user not to use the credit card during the audit period or the loan period, then the user will follow the requirements of the mortgage bank.

The fact that the mortgage has not been released does not mean that the mortgage application is successful, and the bank is still conducting a comprehensive evaluation of the applicant. At this time, you can use a credit card, but don't overdue the repayment, and don't apply for online loans or other bank loans, because this will directly affect the approval of mortgage loans.

You can use the credit card before the loan, but if you pay it back in time, it will help the bank to better evaluate the users. Normal use of credit cards will not affect the approval of housing loans, but try not to withdraw cash or spend a lot, because it will make banks think that you are short of money recently. Before the mortgage is issued, it does not mean that the mortgage application is successful. The bank is still conducting a comprehensive evaluation of the applicant.

Now you can use your credit card. It should be noted that don't overdue repayment, and don't apply for online loans or other bank loans, because this will directly affect the approval of housing loans. If it is the buyer's own fault, such as bad record, unqualified purchase, providing false information leading to the loan not being approved, etc. The buyer may return the deposit in violation of the agreement, but shall bear the penalty. The specific amount of liquidated damages depends on the contract.

My house loan has not come down yet. Can I use a credit card?

Credit cards can be used if there is no mortgage, but it should be noted that they cannot be used in large amounts and can only be used for normal consumption.

1. You can use the credit card before the loan, but if you return the credit card in time, it will help the bank to better evaluate the users. Normal use of credit cards will not affect the approval of housing loans, but try not to withdraw cash or spend a lot, because it will make banks think that you are short of money recently. Before the mortgage is issued, it does not mean that the mortgage application is successful. The bank is still conducting a comprehensive evaluation of the applicant. Now you can use your credit card. It should be noted that don't overdue repayment, and don't apply for online loans or other bank loans, because this will directly affect the approval of housing loans. If it is the buyer's own fault, such as bad record, unqualified purchase, providing false information, unapproved loan, etc., the buyer may return the deposit in breach of contract, but he shall bear the penalty. The specific amount of liquidated damages depends on the contract.

2. If the mortgage loan is not approved, but you don't want to bear the penalty, it is recommended to buy only one set of delivered houses. If the loan fails due to the reasons of the developer and the bank, the developer has the responsibility to refund the down payment of the property buyer. When signing a housing loan contract, you must read the contents of the contract carefully. It is best to ask the developer to indicate in the contract: "If the bank can't buy a house because the bank loan application doesn't reach the expected amount, or the bank refuses the loan, it can be exempted from responsibility and refund the purchase price." We can avoid incontrovertibly harming our own interests when lending for our own reasons. The mortgage has been passed, and there is no loan. You can use a credit card, but you must repay it on time and not overdue. In fact, credit cards can also be used in the process of applying for housing loans, which has no effect on applying for housing loans.

3. When applying for a mortgage loan, the bank will inquire about the borrower's credit investigation, which records the user's credit card usage and card number. These are all borrowers' liabilities, which will have a certain impact on applying for housing loans. However, when applying for a mortgage loan, you still need to check the income certificate submitted by the user and finally decide whether to lend. The mortgage was approved, but not approved. During this period, the credit card can be used normally and the mortgage loan has been approved.

: If there are no special circumstances, the user's credit status will not be inquired. After the user's credit card is used, it is not included in personal debt, and whether it expires or not does not affect the mortgage loan. Therefore, after the housing loan is approved, users can apply for a loan with a credit card.

After the mortgage is approved, can I swipe my credit card before lending?

You can brush it and return it before the repayment date.

The bank mortgage loan has been approved, and the credit information will not be checked before lending, because in the process of loan approval, the personal credit information record must be checked before the loan is approved.

However, before lending, it is best to keep a good personal credit record to prevent the approved loan from being audited again.

Extended data

Mortgage loan purchase process:

1, select real estate

If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

2. Loan application

After confirming that the property you choose has bank mortgage support, buyers should know about the bank's regulations on mortgage loan support for buyers, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract

After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. Sign a house mortgage contract.

After signing the purchase contract and obtaining the payment voucher, the purchaser signs the mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the rights and obligations such as loan amount, term, interest rate and repayment method.

5, mortgage registration, insurance,

Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. Before the loan principal and interest are paid off, the insurance policy shall be managed by the bank.

6. Open a special repayment account

After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears of the bank and mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.