Before choosing, you should understand the characteristics of buying a house in full and buying a house with a loan.
First, buy a house in full.
1, save money
Buying a house in full can save several expenses, regardless of loan interest. Many developers will give many discounts to buyers who buy a house in full in order to recover development costs and funds faster. In addition, if you buy a house in full, you can bargain with the developer and get a more favorable house price for yourself.
2, the process is simple
If property buyers choose to buy a house in full, they can reduce the procedures for handling bank loans and directly handle the purchase procedures with developers. In the case of buying a house in full, you can sign a purchase contract directly with the developer, saving time and effort. If you buy a house with a loan, you need to sign a contract with the bank. If it is a provident fund loan to buy a house, the procedure will be more complicated.
3. It is convenient to shoot again
When houses without loans are sold again, the process is simpler, and the sale of houses purchased in full will not be bound by bank loans. Once the house price rises, it will quickly change hands and pay off the mortgage.
6. High air pressure
After all, buying a house in full is not a small amount. For most families, the economic pressure is still relatively large. If the buyers do not make a good budget, a lot of one-time investment will definitely affect the quality of normal life and bring more pressure to the buyers. Therefore, before choosing to buy a house in full, we must first make reasonable provisions on the funds in our hands and do what we can.
7. High risk
Now developers all over the country are pre-selling, and property buyers are buying properties under construction. If the developer runs away, the project appendix. The buyer's loss is more serious.
Second, the loan to buy a house
1, make full use of funds
You don't have to pay so much money at one time to buy a house with a loan If you have enough money in your hand, you can spend it elsewhere. Buyers who apply for loans to buy a house can choose financial management. In the face of today's rich wealth management products, this can make the use of funds flexible and generally obtain higher interest income.
2, the financial pressure is small.
Buying a house with a loan only requires a down payment and some miscellaneous expenses. You can live in your favorite house without paying the full amount immediately and enjoy it in advance. If you buy a house with a loan, it is usually paid in installments. From this point of view, the most obvious advantage of buying a house with a loan is that you can buy a house with less money, which is a good choice for young people who want to buy a house now but have insufficient funds.
3, the risk is small
Banks that lend money to buy houses will review developers who buy residential areas.
(The above answers were published on 20 19-02- 12. Please refer to the actual situation for the current purchase policy. )