1, mortgage, the advantage is that the initial investment is small, only 30% of the total house price is needed, and the relative repayment pressure is relatively small, which is suitable for migrant workers. The disadvantage is that if you become a house slave, you may have to pay half of your monthly salary to the bank. Interest is very objective for banks, and they have to go to the bank every month.

2, one-time payment, the practice of rich people, the advantage is that if you choose one-time payment, there are preferential policies, you can save a few points, leaving tens of thousands of dollars. The disadvantage is that too much money is invested at one time. If you can't turn the corner, you may have to delay a lot of things.

Analyze it yourself and see if the mortgage is one-off.