1. One-time payment is the most common payment method in the past, and it is generally used for the sale of low-priced small apartments at present. Benefits: Generally, a one-time payment can get a discount of about 5% of the house price from the seller. If it is an existing house, you can quickly obtain the property rights of the house. If it is an auction house, this payment method has the lowest price. Disadvantages: One-time payment needs to raise a lot of money, and the interest on this money is lost, which is very stressful for buyers with limited economic ability. If it is a one-time payment by auction, the developer may not pay the house on time, resulting in the loss of interest or even all the house payment, and the risk of buying a house is high.

2. Installment payment is divided into interest-free installment payment and low-interest installment payment, which is an attractive payment method at present. In favor: to ease the economic pressure of one-time payment, you can also use the house payment to urge developers to fulfill their commitments in the contract. Disadvantages: With the extension of the payment period, the interest rate will be higher, and the amount of house payment will be higher than that of one-time payment.

3. Mortgage payment, that is, mortgage loan for house purchase, is a payment method in which the property right of the house purchased by the buyer is used as collateral, and the bank pays the house price to the developer first, and then the buyer pays the principal and interest to the bank in installments on a monthly basis. Because it can quickly transform potential market demand into effective demand, it has become the most effective means to promote the real estate market to be active.

1. Buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank to pay the house purchase price with the building of the house transaction as collateral, and then the buyer repays the principal and interest to the bank in installments, also known as house mortgage loan.

2. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides the documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee. After passing the examination, the bank promises to issue loans to the buyer, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.