1, you can own your own house if you don't have enough funds: mortgage is a kind of loan, that is, borrowing money from the bank to buy a house. The pressure of only paying the down payment is much less than that of paying the full amount, especially for friends who only pay the down payment but have the ability to repay the monthly payment, they can own their own house without having to buy the full amount.

You can use the extra funds for investment. Take Qian Shengqian as an example: from the perspective of investment, buyers with loans can use the extra funds for investment and financial management, or use loans to buy a house for rent, so the use of funds is much more flexible. Especially once you need money in an emergency, you can face it calmly, and you won't face the situation that you don't have the money to buy a house in full.

The bank will also check the quality of real estate projects for you: it is not a small amount to apply for a mortgage loan from the bank, and the loan period is also very long. Therefore, banks naturally care about the quality of real estate projects. In addition to reviewing yourself, the bank will also review the developers for you. If the bank checks for you, the insurance will naturally be much higher. You must know that many people are refused loans by banks every year because their properties fail to pass the customs.