First of all, from the perspective of housing prices, many owners like customers to buy a house in full, so that he can get the house payment quickly. If it is a first-hand house, many developers will give a one-time payment to commercial housing. On the whole, the extra expenses in the early stage are less than the loan to buy a house. Mortgage loan, that is, a loan from a bank, can buy your own house without spending a lot of money immediately, so the first advantage of mortgage purchase is that you can buy a house with less money.
Secondly, from the perspective of pre-purchase funds and their own pressure, pre-purchase funds are under great pressure. If there is not enough funds, after all, a large one-time investment may affect other investment projects of consumers. However, if you pay the full amount, you don't have to worry about the mortgage. From the perspective of investment, mortgage buyers can invest their funds separately, borrow money to buy a house and rent it, and then invest again, so that the funds can be used flexibly.
Third, the risk of buying a house by loan is relatively small, while the risk of buying a house in full is very high, because mortgage loans are loans from banks to buy a house. In addition to buyers concerned about the quality of the house, the bank will also review it. In this way, the insurance of buying a house will be improved. There is no bank participation in buying a house in full, and real estate assessment relies entirely on the buyers themselves. If buyers don't know much about this, it is easy to buy a house that is easy to depreciate.
Therefore, whether to buy a house in full or by loan should be chosen according to your own situation, so as to buy your favorite house more cost-effectively and safely. But on the whole, I still suggest buying a house with a loan. After all, this is a preferential policy recommended by the state to buy a house. The risk of borrowing money from the state is also small, and the funds in the later period are more flexible to control.