1, the loan is not much, small cities, houses within 2000, and the loan pressure is not great. Otherwise, don't buy a house, especially if you want to borrow for more than 20 years.

2. Full payment. You can buy a house with a good geographical location, which has investment value. To be clear, you can buy it during the property right period, such as Beijing Fourth Ring Road. Otherwise, you spent money to rent a house for 70 years, and after the expiration, the house still went abroad. It is not recommended to buy those undeveloped ones, otherwise the current forced demolition will fall on your head in a few years. I still can't get a few cents.

3, free to rent, can change places at any time, suitable for young people. The economy is very affordable. The disadvantage is poor autonomy. Once the owner uses the house, it will be troublesome to pay you twice the liquidated damages.

Is it cost-effective to borrow money to buy a house or rent a house?

Those who have the ability to buy a house are of course cost-effective! At least the house is your own. But if you can't get the down payment, renting a house is the only way to solve the problem!

Is it better to rent or buy a house?

Rent a house.

1, more flexible. When renting a house, it is relatively easy to change rooms because of changes in demand or income. If you travel frequently, renting a house may be a better choice. And living in different places can also help you choose a more suitable area and then buy a house.

2, don't worry about maintenance. When renting a house, maintenance is the owner's responsibility, but with a house, maintenance is his own responsibility. Usually, the older the house, the more you spend on this project. As a homeowner, you need to set aside some funds for unexpected maintenance and routine maintenance.

3. Low expenditure. The rent of the same house may be lower than the monthly payment, and the one-time cost and regular cost of renting a house are lower. Usually tenants need to pay two weeks' rent and two weeks' deposit in advance. The only thing that the tenant may lose is the deposit and the rent paid within a certain period of time.

4. Diversification of investment. If you choose to rent a house, you can use the deposit of buying a house for other investment purposes and choose other more suitable products, such as low risk and quick return.