Whether to buy a house in full or with a loan depends on your actual needs and economic ability. If you are in a better financial situation and don't need a loan, you can consider paying the full amount. But the house price is relatively high now. If you buy a house, it is a very large amount, and not all families can afford to pay the full price. Therefore, if you have a strong economic ability and have no other investment plans, you can consider paying in full and ask the developer or landlord to give you a certain discount, so you can still pay less.

It is not only when you have no money that you can borrow money from the bank to buy a house, because mortgage loans do not require much money in the early stage. You only need 30% down payment to buy a house, and the rest can be used for investment or turnover. Moreover, the current house price interest rate is relatively low. If you have money, other loan projects basically don't have such low interest rates, so if there is investment demand, you can actually consider borrowing to buy a house.