From the perspective of happiness, buying a house in full is definitely the happiest.
Needless to say, people who buy a house in full know that they don't have to bear any pressure and don't need to pay back every month. However, people who borrow money face repayment every month, and the pressure is relatively high, and there will be savings in living consumption. Generally speaking, people with full payment must be very happy.
From the perspective of investment Z, the loan is the most cost-effective.
Buying a house with a loan is more cost-effective in the long run, because of the influence of inflation in the later period, no one knows how much the current 10000 yuan will be worth in the future. Although the borrower needs to pay a sum of interest, a small Z-gold can incite a large amount of Z-gold.
People who borrow money to buy a house have a very high utilization rate of Z gold.
In the same situation, I realized the freedom to buy a car in the year when I bought a house, but for people with full payment, when all Z gold is invested as a house, buying a car will become very passive.
This is equivalent to me taking my future money for the present, and the person who buys a house in full regards the present money as the future. The two are completely different. Here I think of a story.
An M-country aunt borrowed money to buy a house and enjoyed it all the time, while a Chinese aunt saved money for 20 years and was finally able to buy a house in full, but it didn't take long for people to move in, which was not worth the candle.
Loans can avoid risks.
Because no matter whether it is full payment or mortgage, buyers need to hand over the house payment to the developer, and then the developer will go to the Housing Authority for filing (also called online signing). Once put on record, the house will be locked and cannot be sold to others or mortgaged to the bank. And some unscrupulous developers do not go through the filing procedures after getting the purchase price, and have been dragging on. Some property buyers have not yet applied for online signing, especially full-time users. Because all the money has been paid to the developer, it is entirely up to the developer's conscience to sign online.
People who buy a house in full, although the house price has fallen, still own the house, but pay more money. If the house is bought for his own living, he can only admit that the price is too high. Although the extra money is very painful, he can only admit that he is unlucky, and then work hard and earn more money. Life is full of hope, and the house is still his own. Invest in buying a house, and you will be miserable.
After five years, most people who buy a house in full are definitely more comfortable than house slaves, but the specific difference mainly depends on the original economic base and the changes in income in these five years. If you want to continue to increase your income, of course, you must struggle and work hard. Therefore, friends who are going to buy a house, come on, whether they are buying a house in full or being a house slave, they must work hard to make money, be positive and live better and better!