The reason why credit cards are not allowed at the sales office is to implement the policy of "living in a house, not speculating on it". The existence of credit cards has provided strong financial support for real estate developers. In order to implement the policy of "housing is for living, not for speculation", most banks stated in announcements issued by the credit card center that they would tighten credit card payments to real estate developers, and some financial institutions directly terminated the use of credit cards. Credit card transactions for real estate merchants.
The reason why banks like people to swipe their cards more is because after swiping their cards, the banks can get a certain profit point from the merchants. However, for real estate with large transaction amounts, although the profit point is not high, it cannot afford the large amount. Therefore, basically no sales department is willing to accept everyone's credit card to buy a house.
Payment by credit card is not possible. In addition to restrictions on the purchase of commercial housing, the payment of agency fees may also be restricted. Among them, credit cards of China Merchants Bank, China Everbright Bank, Industrial Bank, and China Construction Bank cannot be traded at some real estate merchants. Including real estate agents and brokerage merchants.
Logically speaking, credit card consumption should essentially be consumer credit, which can only be used for daily consumption such as shopping, dining, and travel, and cannot be used for down payments.
What should you pay attention to when applying for a loan to buy a house
1. Pay attention to the property rights of the house
When buying a house, you must pay attention to the nature of the property rights of the house. If the property rights of the house are unclear or Without property rights, it is impossible to apply for a bank loan for such a house, such as a house with small property rights. A house with small property rights only has a sales contract and no certificate of property rights. The real estate registration department will not recognize it. Once it encounters policy land development, the bank may Faced with the risk of getting nothing out of a bamboo basket, banks will directly refuse loans for this kind of houses. There is also a type of houses with property rights, which require the consent of all property owners.
2. Pay attention to the provident fund payment status
If a house buyer wants to use a provident fund loan to buy a house, the buyer should pay attention to the provident fund payment status, not the payment status. If you plan to apply for a provident fund loan to buy a house, it is best not to withdraw the balance of your provident fund account to pay for the house or use it for other purposes before buying a house. Otherwise, when your account balance is reduced or even cleared, your provident fund loan limit will be reduced. It will also be reduced or zero, which means you will not be able to apply for a provident fund loan.
3. Pay attention to personal credit report
If the personal credit report is not good, it will be difficult for home buyers to apply for a bank loan to buy a house. Judging from the current loan situation, People with bad personal credit will also be rejected by banks when applying for mortgage loans. According to regulations, individuals who are overdue three times in a row or six times cumulatively in the past two years will not be able to apply for loans or credit cards. Therefore, everyone must maintain their personal credit in daily life to avoid causing trouble. The reason why banks have such regulations is to reduce loan bad debt rates and reduce loan risks.
4. Prepare information in advance
Applying for a bank loan requires a lot of information. Don’t think that just submitting the information is enough. First, you must understand the loan process clearly. How to buy a house with a loan? The specific process is: borrower application → pre-loan investigation → review and approval → signing of loan contract → handling insurance, notarization, guarantee and other procedures → issuing loan → archiving of information → post-loan management → loan repayment → liquidation and withdrawal of mortgage. When a home buyer applies for a loan, he or she must prepare the necessary materials, otherwise the bank is likely to reject the loan.