Bought a house and paid a down payment. Is it appropriate to pay the rest of the money in one lump sum or in installments?

First, according to your current economic situation, you have to pay taxes and fees, public maintenance fund, heating fee, property fee, decoration, new furniture and household appliances after buying a house, which are not small expenses. If you have plenty of money, you can consider paying in one lump sum. If you don't have enough money, you can consider a loan.

Also, most people with investment awareness usually consider repaying loans, and the excess liquidity can be used for other investments. As for bank interest, don't worry too much. It can prolong the service life, reduce the monthly payment, and correspondingly reduce the interest paid to the bank. At that time, it won't cost much to pay back the money you invested in advance.