1. First of all, banks are financial enterprises, and their main purpose is to obtain maximum profits at the lowest cost. The establishment of bank outlets is determined according to the market demand for deposits and loans, the expected scale of business benefits and the convenience of the public. If there is demand, you can make money and profit, and you can be established, otherwise you will lose money.

Secondly, the credit market and business environment are changing rapidly. In this case, buying a house is not as flexible as renting a house.

3. Finally, the currency operated by banks is depositors' money, and its legal business scope is mainly deposits and loans, which cannot be used for real estate speculation or other investments. Therefore, according to the regulations, banks are not allowed to buy business premises that exceed the requirements. This is also the reason why banks rent houses instead of buying houses.