First, buy a house in full.
Benefits:
1. There are many discounts for buying a house in full.
The total amount of one-time payment is high, but the preferential strength is also great, and developers generally give some discounts and discounts. There is no loan interest at the same time.
2. Being light without debt
People don't like debt, and many people have a psychological burden on debt. After buying a house in full, you don't have to worry about the economic pressure in the future, you can arrange your life and work calmly, you don't have to worry about repayment, you don't have to jump ship and travel, and you have to consider the mortgage pressure.
3. Easy to change hands
It is more convenient to resell a 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 have financial difficulties in the future.
Disadvantages:
1, with great financial pressure.
If the funds are insufficient, the pressure of buying a house at one time will be great, which may affect other projects of consumers.
2. High risk
Unless you are very familiar with its real estate projects, including building quality, developer technology and financial strength. Otherwise, in the case of uncompleted residential flats and developers running away, it is the property buyers who are unlucky.
Attachment: precautions for buying a house in full.
1. Judge the strength of the developer and the legality of the building. Many real estate developers are small enterprises with insufficient strength and small scale; It is best to consider big brand developers or local brand developers when buying a house.
2. Pay attention to the construction site of the building site. If it is an auction house, you must go to the site from time to time, chat with the construction master, collect some information, and pay attention to the details of the facade and materials of the real estate. At the same time, pay attention to the capital operation of developers and the real estate construction cycle.
Since we have decided to buy a house at one time, it is better to buy an existing house. The advantage of xianfang is that the planning and supporting facilities of the real estate have been initially completed, unlike faster houses, which need to worry that the promised planning is difficult to cash. In addition, the auction house also needs to worry about whether the property will be unfinished.
Second, the loan to buy a house
Benefits:
1. If you save enough down payment, you don't need to spend too much money, and you can buy a house if you meet the requirements.
2. Buying a house with a loan means putting the eggs in different baskets, and the extra money can be used for other purposes, so that the funds can be used flexibly.
3. Loans to banks, banks will check for buyers out of risk considerations, so banks naturally care about the quality of real estate projects. In addition to auditing itself, banks will also audit developers, which is highly secure.
Disadvantages:
1. Borrower's liabilities. 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 the property itself is mortgaged, it is difficult to resell the house, which is not conducive to the delisting of buyers.
When buying a house, whether to buy a house in full or by loan, we should fully consider the advantages and disadvantages of both, and then decide according to our actual situation and personal preferences.
(The above answers were published on 20 17-05-22. Please refer to the actual situation for the current purchase policy. )
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