Relatively speaking, it is more cost-effective to buy a house after mortgage. Buyers will mortgage their property to the bank to get a certain loan amount, and then buy a house. This method belongs to mortgage to buy a house. The mortgage interest rate is generally higher than the benchmark interest rate of the central bank 16%. In case of mortgage, the interest rate of the first suite is the benchmark interest rate, and some banks will give a 5% discount. The second set is the rise of the central bank's benchmark interest rate 10%. On the whole, mortgage to buy a house is more cost-effective.