Nowadays, the vast majority of home buyers choose to take out a mortgage. I recently read the "White Paper on Lending Concepts and Lending Behaviors of Chinese Consumers" released by Ping An Bank. It said that 87% of the respondents who had purchased a home in the past three years purchased a home through a mortgage loan, and about half of the mortgage users applied for the loan. The amount is more than 50% of the house price. The average time for consumers to apply for mortgage loans is more than 15 years. The advantage of buying a house with full payment is that you don’t have to worry about the mortgage every month. But in fact, with the current mortgage interest rate, if you can get a loan, you will make money. For example, if the total price of the house is 3 million, and you make a down payment of 1 million and a loan of 2 million, you will need to repay about 10,000 every month, but you can have an extra 2 million on hand. As long as you can ensure that the annualized rate of return is above 5%, you will make money. Nowadays, it is generally not difficult to do financial management with a ratio of more than 5%. So if you are not someone like Wang Sicong who doesn't care about money, it is recommended not to buy a house with full payment.