Buying a house in full and withdrawing the provident fund is not a loan. Withdrawing provident fund and provident fund loans are different businesses. Withdrawal is to withdraw the balance from the employee account according to the normal procedure, and the loan record will not be calculated. Only the mortgage business in the bank can be regarded as a loan. All the money for buying a house in full is paid by the buyers themselves, without the participation of banks.

The difference between buying a house in full and buying a house with a loan.

1, transaction process

The process of buying a house in full is very simple. If you buy a house in full, you only need to sign a contract with the seller, so you don't need to go through the process and sign a contract with the bank, so it saves time and convenience. Especially for people who buy two properties, buying a house in full saves the cost of floating loan interest rates, and they don't have to spend time and energy dealing with banks. Completely traded houses are more popular with sellers when they change hands. However, the procedures for buying a house with a loan are complicated and complicated, and it will be more troublesome to sell a house with a second loan.

2. The risk of buying a house

If property buyers encounter bad developers, when applying for loans, banks will also carefully examine them, and the insurance for buying a house will also be improved. If you buy a house in full, when you give all the money to the developer, if there is a problem with the developer, you must bear the consequences yourself. For example, there is an unfinished business, and the developer is bankrupt. In this case, the full property buyers will lose a lot.

3. Flexibility of funds

Buying a house with a loan is more flexible, because the investment in the early stage of buying a house with a loan is less, and buyers can separate the funds, such as buying a house with a loan, renting it out, and carrying out other projects at the same time, so the use of funds is more flexible.

4. Early investment

For property buyers with weak economic foundation, it is too difficult to buy a house in full, and it is very likely that a large sum of money will affect their future life and development. Buying a house with a loan means borrowing money from the bank. You don't need to spend a lot of money to buy your own house right away, but it should be noted that if it is a second suite, the down payment will often reach about 50% under the loan restriction policy, but the initial investment is still much less than the full amount, which can alleviate the pressure of buying a house in a short time, but in the long run, it will take a long time to bear the debt pressure.

5. Total expenditure

If property buyers buy their houses in full, not only will developers get a discount, but they won't have to worry about interest. Buyers who use loans need to pay a large sum of money as interest. Based on the repayment method of loan for 20 years, loan of 6,543.8+0,000 yuan, benchmark interest rate of 4.9% and equal principal and interest, the total interest paid is about 500,000 yuan, and the monthly repayment is about 6,500 yuan.