Buying a house is usually a commercial mortgage loan with a long term, up to 30 years, and a loan of 500,000. The monthly repayment amount for 30 years is 3 177 yuan. If you can get a provident fund loan with a monthly payment of 2,600 yuan, your pressure should not change much.
Installment payment is within a certain credit limit, right? If you want to have this credit limit, your credit is quite good. You don't need a loan to buy a house, just pay the full amount.
Second, when buying a house, choose the full amount or the loan? What are the advantages and disadvantages?
When buying a house, you can choose to buy a house in full or in the form of a loan. So what are their advantages and disadvantages?
Benefits of buying a house with a loan
1, less investment.
When buying a house, it has become the choice of many people. Loans, that is, loans from banks to buy a house, you can buy your own house without spending a lot of money right away, so the first advantage of buying a house with loans is that you can buy a house with less money.
2. Flexible funds
After the buyers choose to buy a house with a loan, they can invest with the remaining money, rent it out after buying a house, and then rent it out to support the loan, so the use of funds is more flexible.
3, the risk is small
Loaning to buy a house is originally to borrow money from the bank to buy a house, so in addition to buyers concerned about the quality of the house, the bank will also review it. In this way, the insurance for buying a house will increase.
The disadvantages of buying a house with a loan
1, heavy debt
If you choose a loan when buying a house, then everyone will definitely be burdened with heavy debts, which will definitely be very stressful for everyone. At present, the down payment for the first suite of commercial loans in China starts from 20%, which is 30% in most cities, and the benchmark interest rate of commercial loans is 4.9%. Generally, the interest rate of the first home mortgage will rise, depending on the personal qualifications of the buyers, and the banking system will evaluate it when lending. If the evaluation score is high, it is possible that the down payment and loan interest rate paid by the buyers in the early stage will be less.
This process is very complicated.
Buying a house with a loan is not a simple matter, especially there are many procedures for buying a house with a loan. If you apply for a loan in time when the bank loan amount is tight or the approval is strict, then the waiting time for the loan may be as long as half a year, and the loan will drag the whole time of buying a house for a long time.
3, not easy to sell
Loans to buy a house generally need to mortgage the real estate license to the bank, and it is difficult to resell the house bought by loans, which is not conducive to the delisting of buyers.
Benefits of buying a house in full
1, minus extra charges.
Although it takes a lot of money to buy a house in full, it can save some handling fees and interest on bank loans, and one-time payment can bargain with developers to further save the purchase price. At present, the one-time payment of commercial housing gives certain preferential treatment, which has basically become a unified preferential activity for real estate, but the degree of preferential treatment is different. If you buy a house with a total price of 6,543,800 yuan, if you pay in one lump sum, the developer will give you a discount of about 3%, and this alone will save 30,000 yuan.
2, the process is simple
The process of buying a house in full is much simpler than buying a house with a loan, so you can save a lot of trouble by choosing to buy a house in full. For people who buy two houses, in addition to saving the cost of floating loan interest rates, they also save time and energy in dealing with banks.
3, easy to resell
It is also convenient to buy a house in full if you want to sell it again, because it is not necessary to buy a house in full.
3. What are the advantages and disadvantages of buying a house in full and buying a house with a loan?
The comparison between buying a house by loan and buying a house in full;
Advantages of mortgage loan
1, spend tomorrow's money to round today's dream.
Mortgage loan, that is, a loan from a bank, can buy your own house without spending a lot of money immediately, so the first advantage of mortgage purchase is that you can buy a house with less money.
2. Use limited funds for multiple investments.
From the perspective of investment, mortgage buyers can invest their funds separately, borrow money to buy a house and rent it, and then invest again, so that the funds can be used flexibly.
The bank will check it for you.
Borrowing money means borrowing money from banks, which naturally care about the quality of real estate projects. In addition to auditing yourself, banks will also help you audit developers and help you check, with a high degree of natural insurance.
The disadvantages of mortgage loan
1, in debt
Speaking of shortcomings, first of all, people are under great psychological pressure, because the traditional habits of China people do not allow people to make ends meet and pay attention to savings, so it is not suitable for conservative people to borrow money to buy a house. And in fact, buyers do bear heavy debts, which is not easy for anyone.
2, it is not easy to realize quickly.
Because the property itself is mortgaged, it is difficult to resell the house, which is not conducive to the delisting of buyers.
Advantages of full payment
1, pay the full amount to save money
Although the first time to pay more money, but from the total number of houses, can be exempted from various fees, bank interest and so on. And because it is a one-time payment, you can bargain with the developer to further save the purchase price.
2. Being light without debt
There is no economic pressure after paying the full amount for the house, because the buyers can no longer worry about the house payment and calmly arrange the future financial plan. At the same time, it also saves time and does not need any credit authentication. Today's work is finished today.
3. Easy to change hands
From the perspective of investment, it is more convenient to resell a house bought in full, and it is not bound by bank loans. Once the house price rises, it will change hands quickly and exit easily. Even if you don't want to sell, you can mortgage your house to the bank when the economy is in trouble.
Disadvantages of full payment
1, with great financial pressure.
If the funds are insufficient, after all, a large one-time investment may affect other investment projects of consumers.
2. The investment risk is high.
Unless you are very familiar with its real estate projects, including building quality, developer technology, financial strength, etc., buyers need to have a considerable level of technical expertise, which is beyond the reach of ordinary people.
4. Is it appropriate to buy a house loan or the full amount? What are the benefits of buying a house with a loan?
When buying a house, do you buy a house in full or by loan? We all know that there is no interest on buying a house in full, and there is less down payment for buying a house with a loan. Both methods have good intentions, so it is more difficult for everyone to choose the payment method. So, today I will analyze it for you. Is it appropriate to buy a house with a loan or a full house? What are the benefits of buying a house with a loan?
Is it appropriate to buy a house loan or the full amount?
Buying a house in full can exempt all kinds of fees, bank interest and other miscellaneous fees. You can also save the purchase price and enjoy the preferential treatment of the developer. The payment method of changing hands will be more flexible in the future. You don't have to pay a large sum of money at one time, but you can also invest in other things while repaying the loan.
Everything has advantages and disadvantages, there is no best, only the one that suits you best. If you are a traditional person, debt will not be a worse reason than a comfortable life. If you are short of funds or have good financial management ability, then you can borrow money to buy a house and come to Qian Shengqian.
What are the benefits of buying a house with a loan?
1, you can buy a house with less money. A loan to buy a house is a loan to buy a house from a bank. You can own your own house without investing too much money in the early stage. For example, if you want to buy a total price of 3 in Beijing, you can buy it.
2. The risk of buying a house is low. Bank checks can filter out some of the risks of buying a house. Banks will be very safe for development funds, which to some extent excludes some developers with poor qualifications and insufficient strength. If you buy a house in full or the developer runs away, buyers need to spend a lot of time to recover the house payment.
3. if you buy a house in full, there will be no liquidity. If you need money urgently, you can borrow 6.5438+0.05 million yuan to buy a house of 3 million yuan, and you will have disposable income of 6.5438+0.95 million yuan.
4. Fight inflation. In the long run, inflation is the general trend, and money will become less and less valuable. You are now paying 5000 yuan a month. After 20 years, you may spend your present things with your future money, which will not only effectively fight inflation, but also increase the value of assets in disguise.
Is the above suitable for loan to buy a house or full payment? The whole content of the loan, for some property buyers, is a lot of interest, which is unacceptable to them, so when buying a house, they will think it is inappropriate. If they really have financial difficulties in paying the full amount, they still suggest a loan. In fact, loans still have certain benefits.