I think buying a house should be done with full payment. Of course, there is a big difference between full payment and mortgage, but if ordinary people can pay in full, there is no need for a mortgage.

In real life, buying a house is a big event for most people. This may affect a person's destiny for decades to come, or even change the trajectory of a person's life. But when buying a house, the full payment or mortgage is still very troublesome for some people. There is a big difference between buying a house with full payment and buying a house with mortgage

The biggest difference between buying a house with full payment and buying with mortgage is the pressure on the individual and the total amount of debt that needs to be paid. People who choose to buy a house with full payment will have to pay at the beginning. For a period of time, the quality of life may be affected to a certain extent, but in the future, they will not have to bear the pressure of mortgage loans, and the quality of life will gradually recover.

For those who buy a house with a mortgage, the financial pressure when they first buy a house may not be so desperate, but in the next few years or decades, they will have to live with the mortgage loan. This will cause great financial and mental pressure on people, and may make people afraid to even get sick.

On the other hand, buying a house with full payment requires a large amount of money at one time, but the total payment is only so much, while buying a house with a mortgage does not require a lot of money at one time, but the total payment is The amount is much larger than the purchase price. Houses in modern life also have investment properties, but if house prices drop, people who take out loans to invest in houses are likely to faint in the toilet. If the economic conditions are sufficient, I think you should buy a house with full payment.

Many people in life or many messages on the Internet tell us that we should buy a house with a mortgage, but people who have never had to bear a mortgage will never understand the pressure caused by a mortgage. For ordinary people, we all want to enjoy a higher quality of life and make ourselves less tired. However, when you take on a mortgage, you will find that a person will become more and more stingy and reluctant to spend money. , and even dare not get sick.

I was burdened with a mortgage before. As a person whose income is not too high, after excluding the mortgage and normal living expenses, there is very little money left in my monthly income. I want to surprise my lover, but I have no money. , I want to give my children a gift, but I have no money, and I haven’t even bought my own clothes for several years. Especially for people living in big cities, being burdened with high mortgage loans is likely to crush them.

I personally think that if the financial conditions are sufficient to support it, then you should buy a house in full. Even if you don’t have enough money to buy a house in full, you should pay as much as possible as a down payment. Some people always tell us that a mortgage loan is the loan with the lowest interest rate, but this is meaningless to ordinary people. The money is in our own hands, and the speed of making money through investment and financial management will most likely not be able to keep up with the mortgage loan.

Of course, if you are a wealthy person, all the above is nonsense, and wealthy people should not even bother buying a house with a mortgage. But for ordinary people, I still think it’s better to pay the full amount without a mortgage as much as possible.