The bank has not clearly stipulated that credit cards cannot be used within three months after mortgage. In fact, as long as the customer has successfully applied for a mortgage and has an available credit card under his name, he can spend it by credit card. After all, the mortgage has been approved, and how to use the card will naturally not affect the mortgage, as long as the customer pays attention to repayment on time after swiping the card to avoid overdue.

Of course, customers can actually spend money by credit card before the mortgage is settled, but besides paying attention to repayment on time, we should also pay attention not to frequent large credit cards. Because if the amount of credit card consumption is too large, customers will not be able to pay for a period of time, resulting in higher credit card liabilities, which may have a certain impact on mortgage approval and lending.

In detail, it is best for the main lender to use less credit cards during the mortgage period, not to apply for other loan products too much, and to pay off the credit cards in time after consumption, and it is best to ensure zero bills. As for the sub-lenders, the requirements are not as strict as those of the main lenders, and credit cards can be used. There is no problem in defaulting on bills, as long as they are not overdue.

What is the down payment ratio of the first home loan?

If you apply for a loan to buy the first suite, if you apply for a personal commercial housing loan, the down payment is generally not less than 30% of the total housing price, which is the minimum. However, various regions may make certain adjustments according to the local real estate market trends and policies. For example, in Shanghai, the minimum down payment ratio of the first home commercial loan is 35% (if you don't know the down payment ratio of the local first home commercial loan, you can call the handling branch).

When applying for individual housing provident fund loans with a construction area of no more than 90 square meters, the down payment ratio is 20%; If the construction area exceeds 90 square meters, the down payment ratio is 30%.

Of course, if customers can pay more down payment, the loan amount can be reduced, which is also helpful for the smooth approval of mortgage loans. As for the down payment ratio of the second suite, the State Council stipulates that the minimum down payment ratio is 40%, but many local banks stipulate that the down payment ratio is not only 40%, but also as high as 50%, 60% or even 70%.