According to the survey data of Shanghai Institute of Finance and Law, 46.9% of households in Shanghai have houses without loans, 19.6% have houses with loans, and the remaining 33.5% have no houses. Therefore, there are relatively few people who buy houses without loans.
But there are indeed some people who choose not to borrow money to buy a house, and most of them are rich people or high-income people with sufficient financial resources. In addition, some people will choose to buy real estate at a relatively low price to reduce the cost of buying a house.
In short, the situation of buying a house without loans is relatively small in first-tier cities, but there is also a certain proportion.