Buy a house in full
1. Buy a house in full and spend less.
Although more money is paid, from the total amount of money for buying a house, all kinds of handling fees and bank interest can be exempted. And one-time payment can bargain with developers, further saving the purchase price. At present, the one-time payment of commercial housing to give certain concessions has basically become a unified preferential activity for real estate, but the preferential range is different.
If you buy a house with a total price of 6,543,800 yuan, if you pay it in one lump sum, the developer will give you a 3% discount, which alone will save 30,000 yuan in the purchase cost.
2. Simple process
It is time-saving and convenient to buy a house in full and sign a house purchase contract directly with the developer. For those who buy two properties, it saves not only the cost of floating loan interest rates, but also the time and energy to deal with banks.
3. Easy to sell
From a new perspective, it is more convenient to buy a house in full and then sell it, without being 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 the economy is in trouble.
Disadvantaged
1. High pressure
Buying a house in full at one time will become a great burden for those property buyers with weak economic foundation. If it is not well funded, the one-time investment in house purchase is too large, which may affect other property buyers.
2. The variables are very large
As far as most auction properties are concerned, buyers who choose one-time payment will increase the risk of buying a house. If you choose one-time payment, each building will require buyers to pay the house price in the pre-sale stage and sign a contract for the sale of commercial housing. However, in the transaction process, many pre-sale properties have the problem of incomplete five certificates. Although the salesperson promised to complete the formalities within a certain period of time, it is full of unknown variables for the buyers, and the big problem is that it is difficult to file.
3. High risk
For those who buy faster houses, if the developer fails to deliver the house on time, or the project cannot be delivered or even unfinished due to insufficient funds, the buyers who have paid the full amount may lose more benefits, or even be beaten in Shui Piao.
Loan to buy a house
1, spend tomorrow's money to round today's dream.
Mortgage loan, that is, borrowing money from the bank, can buy your own house without spending a lot of money immediately, so the advantage of mortgage purchase is that you can buy a house with less money.
2. Use limited funds for multiple projects.
From the point of view, mortgage buyers can separate the funds, borrow money to buy a house and rent it, and then use the funds flexibly.
The bank will check it for you.
Borrowing money means borrowing money from banks, which naturally care about the quality of real estate projects. In addition to auditing yourself, banks will also help you audit developers and help you check, with a high degree of natural insurance.
Disadvantaged
1, in debt
Speaking of shortcomings, first of all, people are under great 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.
Therefore, buying a house is a big deal, but when buying a house, you must choose the payment method that suits you according to your actual situation.