how about the service charge for house purchase and credit card? The service charge of credit card is not capped. The service charge of POS machine is not charged by the bank to the credit card customer, but by UnionPay to the POS machine merchant. Therefore, the service charge of the brush card should be charged by UnionPay to the real estate company. Does the down payment of credit card affect the withdrawal?
In the early 1990s, credit card was introduced into China from the concept of capital consumption abroad. In the 21st century, it became popular all over the country. Because credit card is convenient and affordable. Let people naturally in the daily shopping, food and beverage consumption is simple, as long as the final repayment when the delivery of a small handling fee on the line. This makes people in convenience seeking countries more dependent on credit card, and more winners buy houses and use credit card. Do I have to pay the house credit card fee?
1、 Down payment of credit card is easy to be transferred
Last year, the notice on improving the pricing mechanism of bank card service fee jointly issued by the national development and Reform Commission and the people's Bank of China was formally implemented on September 6. The new regulations unified the rates of all merchants, cancelled the regulations on dividing the rates according to the industry, and charged the debit card and credit card differently. Credit card belongs to the category of credit card. The service fee of no more than 0.45% shall be paid for the consumption of credit card, and there is no ceiling limit for a single transaction. For example, if you swipe 300000 yuan, service fee = 300000 yuan x 0.45% = 1350 yuan.
In the actual operation process, banks will implement floating interest rates, and the interest rates among banks are not the same. Generally, the banks with large number of issuers have the right to set the rate. Paying down the house loan by credit card, or the service fee of hundreds or thousands of yuan, is not a small pressure for the businessmen. Therefore, there will be a situation that the service fee will be transferred to the buyer, or simply refuse to pay the down payment by credit card. However, according to the provisions of the measures for the administration of bank card receipt business, it is illegal for developers to refuse to swipe credit cards or to transfer the handling fees to the buyer in disguised form under any circumstances, with the exception of local policies. It is suggested that when the buyer decides to pay down by credit card, it is better to know the local bank charges and policies in advance.
2、 Credit card down payment can't handle bill installment
Generally speaking, the down payment by credit card can't handle the bill installment, the short-term repayment pressure is large, which is easy to cause overdue, but also pay interest and overdue fine, more importantly, it will affect personal credit investigation. For people with limited economic capacity, they should clearly understand their own situation and not blindly swipe their cards.
3、 There are regional and housing restrictions on the down payment of credit card
Generally, the down payment of second-hand house is paid by bank transfer, and credit card cannot be used. In addition, some regions with strict requirements will clearly stipulate that developers can not take the way of credit card down payment, which is greatly affected by local policies to some extent, and is not universal.
4、 Credit card down payment has an impact on the withdrawal
Some people are used to swiping multiple credit cards for down payment. Due to the situation of multiple large amount transactions without points at the same time, they may suspect that you have the suspicion of cash arbitrage when they encounter a strict bank. If there is a problem of overdue payment when the credit card repays, it will be difficult to apply for the amount in the future. It is recommended to prepare 1-2 large credit cards for payment and avoid using multiple cards.
5、 No points for real estate transactions
For banks, such as real estate, automobile, public welfare business transactions, the amount of profits generated is low, can not be points. It's not realistic to use credit card to pay down payment points.
6、 Long time for down payment and refund by credit card, which is easy to cause overdue
If the purchase transaction is cancelled due to some reasons, the time of down payment and deposit refund paid by credit card is usually 30-45 days. If the period catches up with the final repayment date, the buyer can only advance the repayment first, otherwise it is easy to cause overdue, and the unlucky one is the buyer himself.
7、 The down payment of credit card must be UnionPay card
Real estate POS machines use UnionPay channel, which only supports UnionPay credit cards. Single currency and foreign currency cannot be used. When swiping the card, you should see what kind of card you are.
Credit card is convenient and fast, but there are potential problems that can easily lead to problems for buyers. First of all, swiping the card is easy to cause a service charge grafting problem, which will increase the burden of buyers. Secondly, before buying a house by swiping the card, we should consult whether we can pay by installments. Blind swiping the card can solve the urgent problem, but in the end, it won't pay off. Before you buy a house, you must ask about the handling fee of buying a house and swiping a credit card. Don't increase your burden.