Buying a house is usually a commercial mortgage loan with a long term, up to 30 years, and a loan of 500,000 yuan. The monthly repayment amount for 30 years is 365,438+077 yuan. If you can get a provident fund loan, the monthly payment will be 2600 yuan, so your pressure should not change much.
Installment payment is within a certain credit value, right? If you want to have this credit limit, it means that your credit is quite good. You don't need a loan to buy a house, you just need to pay the full amount.
Second, when buying a house, choose the full amount or the loan? What are the advantages and disadvantages?
When buying a house, we can choose to buy a house in full or by loan. So what are their advantages and disadvantages?
Advantages of buying a house with a loan
1, less investment.
When buying a house, it has become the choice of many people. Loans, that is, borrowing money from the bank to buy a house, can buy your own house without spending a lot of money immediately, so the first advantage of buying a house with loans is that you can buy a house with less money.
2. Flexible funds
After the buyer chooses a loan to buy a house, he can use the remaining money to invest, rent it after buying a house, and then rent it to support the loan, so that the use of funds is more flexible.
3, the risk is small
Buying a house with a loan is to borrow money from a bank to buy a house, so in addition to the advantages and disadvantages of the house, the bank will also review the house. In this way, the insurance of buying a house will be improved.
Disadvantages of buying a house with a loan
1, heavy debt
If you choose a loan when buying a house, then everyone will definitely bear heavy debts, which is definitely very stressful for everyone. At present, the down payment ratio of the first suite of commercial loans nationwide is 20%, but it is 30% in most cities, and the benchmark interest rate of commercial loans is 4.9%. Generally speaking, the interest rate of the first home mortgage will rise, which depends on the personal qualifications of the buyers and the banking system will evaluate them when lending. If the evaluation score is high, it is possible that the down payment and loan interest rate paid by the buyers in the early stage will be less.
This process is very complicated.
Buying a house with a loan is not a simple matter, especially there are many procedures for buying a house with a loan. If the loan is handled in time when the bank loan amount is tight or the approval is strict, the waiting time for the loan may be as long as half a year, which will greatly slow down the whole time for buying a house.
3, it is not easy to sell
Loans to buy a house generally need to mortgage the real estate license to the bank, so it is difficult to resell the house bought by loans, which is not conducive to the delisting of buyers.
Advantages of buying a house in full
1, minus extra charges.
Although you need to pay a lot of money at one time when you buy a house in full, you can save some handling fees and you don't have to pay the interest of bank loans when you buy a house in full, and one-time payment can bargain with developers to further save the purchase price. At present, it has basically become a unified preferential activity of real estate to give a certain discount to one-time commercial housing, but the discount degree is different. If you buy a house with a total price of 6.5438+0 million yuan, if you pay in one lump sum, the developer will give you a discount of about 3%, which will save 30 thousand yuan alone.
2, the process is simple
The process of buying a house in full is much simpler than buying a house with a loan, so choosing a house in full can save you a lot of trouble. For people who buy two houses, in addition to saving the cost of floating loan interest rates, they also save time and energy in dealing with banks.
3, easy to resell
It is also convenient to buy a house in full if you want to sell it again, because it is unnecessary to buy a house in full.
3. What are the advantages and disadvantages of buying a house in full and buying a house with a loan?
A comparison between buying a house by loan and buying a house in full;
Advantages of mortgage loan
1, spend tomorrow's money to round today's dream.
Mortgage loan, that is, borrowing money from the 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.
2. Use limited funds for multiple investments.
From the perspective of investment, mortgage buyers can invest their funds separately, borrow money to buy a house for rent, and then invest, so that they can use the funds flexibly.
The bank will check it for you.
Borrowing money means borrowing money from banks, so banks naturally care about the quality of real estate projects. In addition to reviewing yourself, the bank will also help you review the developers and check for you, which is naturally highly insured.
Disadvantages of mortgage loan
1 liabilities
Speaking of shortcomings, the first is psychological pressure, because the traditional habits of China people do not allow people to make ends meet and pay attention to savings, so it is not suitable for conservative people to borrow money to buy a house. And in fact, buyers do bear heavy debts, which is not easy for anyone.
2, it is not easy to realize quickly.
Because it is mortgaged by the real estate itself, it is difficult to resell the house, which is not conducive to the buyer's delisting.
Advantages of full payment
1, pay the full amount to save money
Although the first time to pay more money, but from the total number of houses, can be exempted from various fees, bank interest and so on. And because it is a one-time payment, you can bargain with the developer to further save the purchase price.
2. Being light without debt
There is no economic pressure after paying the full amount, because buyers can no longer worry about the house payment and calmly arrange their future financial plans. At the same time, it also saves time and does not need any credit authentication. Today's work is finished today.
3. Easy to change hands
From the investment point of view, it is very convenient to sell the house bought in full, and it is not bound by bank loans. Once the house price rises, it will change hands quickly and exit easily. Even if you don't want to sell, you can mortgage your house to the bank when you are in financial difficulties.
Disadvantages of full payment
1, with great financial pressure.
If the funds are insufficient, after all, a large one-time investment may affect other investment projects of consumers.
2. The investment risk is high.
Unless you have a good understanding of its real estate projects, including building quality, developer technology and financial strength, buyers must have a considerable level of technical expertise, which ordinary people cannot achieve.
4. Is it appropriate to buy a house loan or the full amount? What are the benefits of buying a house with a loan?
When buying a house, should everyone buy a house in full or with a loan? We all know that there is no interest on buying a house in full, and the down payment for buying a house with a loan is relatively small. Both methods have good intentions, so it is more difficult for everyone to choose the payment method. So, I will analyze it for you today. Is it appropriate to buy a house with a loan or a full house? What are the benefits of buying a house with a loan?
Is it appropriate to buy a house loan or the full amount?
Buying a house in full can exempt all kinds of fees, bank interest and other miscellaneous fees. You can also save the purchase price and enjoy discounts from developers. In the future, the payment method of changing hands will be more flexible. You don't have to take out a lot of money at one time, but you can also invest in other things while repaying the loan.
Everything has advantages and disadvantages, there is no best, only the one that suits you best. If you are a traditional person, debt is not worse than a comfortable life. If you are short of funds or have good financial management skills, you can borrow money to buy a house in Qian Shengqian.
What are the benefits of buying a house with a loan?
1, can buy a house with less money. Buying a house with a loan means borrowing money from the bank to buy a house. You don't need to invest too much money in the early stage to own your own house. For example, if you want to buy a total price of 3 in Beijing, you can buy it.
2. The risk of buying a house is low. Bank checks can filter out some risks of buying a house. Banks will be safe for development funds, which to some extent excludes some developers with poor qualifications and insufficient strength. If you buy a house in full or the developer runs away, the buyer needs to spend a lot of time to recover the house payment.
If you buy a house in full, you will have no liquidity. If you need money badly, you can buy a house with a loan of 6.5438+0.05 million yuan, and you will still have disposable income of 6.5438+0.95 million yuan.
4. Fight inflation. In the long run, inflation is the general trend, and money will become less and less valuable. Your current monthly payment is 5000 yuan. After 20 years, you may spend your present things with your future money, which can not only effectively fight inflation, but also enhance the value of assets in disguise.
Is the above suitable for buying a house with a loan or a full house? The whole content of the loan, for some property buyers, is a lot of interest, which is unacceptable to them, so when buying a house, they will think it is inappropriate. If they really have financial difficulties in paying the full amount, they still suggest a loan. In fact, loans still have certain benefits.