When considering buying a house now, a loan is naturally a good deal, really. If you can borrow more, borrow more. If nothing else, just look at the house prices and price levels in the past 10 years and now, and then think about the impact of inflation. The loan money is yours, and it is true that you have to pay back the interest, but the interest figure is far less than the difference between the increase in housing prices and the depreciation of the RMB, so the loan is definitely more cost-effective than saving money to buy a house.