近年来,央行货币政策频出,银行信贷日趋紧张,获取银行贷款难度较大。在此背景下,消费者的大额消费,如购车、装修、购买大件耐用品等,若要使用信用卡分期付款或者预借现金功能,可以大大缓解资金压力,因此受到很多消费者的热捧。然而,高昂的手续费大大增加了“曲线借贷”的成本,这种变相贷款存在极大风险,银行和消费者都要谨慎。首先,信用卡分期获得短期房贷 In recent years, the frequent central bank monetary policy, bank credit has become increasingly tense, access to bank loans more difficult. In this context, large consumer spending, such as car, decoration, purchase of large durable goods, etc., to use a credit card installment or cash advance function, can greatly ease the financial pressure, so much sought after by consumers . However, the high fees and charges have greatly increased the cost of “curve borrowing”. Such disguised loans pose a great risk and banks and consumers should be cautious. First, credit cards get short-term mortgages by installments