1, house payment, loan to buy a house means that you need to pay a down payment and submit loan information to the bank. Sign a loan contract, etc. The process of buying a house is complicated. If you buy a house in full, you can pay directly. But buying a house with a loan can ease the economic pressure.
2, pay taxes, people who buy a house in full need to go to the local tax bureau to pay taxes. And the loan to buy a house, the money to the developer, the developer unified management, but need to pay agency fees.
3, do the house book, buy a house in full, you can do the house book yourself, prepare the materials to the real estate registration center, and the time is fast. Loans are handled by developers, and the time for obtaining certificates is slow. But if you buy a house in full, you can also let the developer do it for you.
Therefore, the above is the difference between buying a house in full and buying a house with a loan. Buying a house with a loan is more worry-free and can alleviate economic pressure. Buying a house in full requires hands-on, but it is efficient.