Advantages and disadvantages of buying a house in full: Advantages: First, it costs less. Although the down payment is relatively large, from the perspective of the total amount of buying a house, all kinds of handling fees and bank interest can be exempted. And one-time payment can bargain with developers, further saving the purchase price. At present, the one-time payment of commercial housing to give certain concessions has basically become a unified preferential activity for real estate, but the preferential range is different. If you buy a house with a total price of 6.5438+0 million yuan, the developer will give you a 3% discount (that is, a 97% discount), and this alone will save 30,000 yuan. Second, as for buying a house loan, it is best to buy a house in full. From the process point of view, it is time-saving and convenient to sign a house purchase contract directly with the developer. For those who buy two properties, in addition to saving the cost of floating loan interest rates, they also save time and energy in dealing with banks. Third, it is convenient to resell. From the perspective of investment, it is more convenient to resell the 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: First, the pressure is great, and buying a house in full at one time will become a great burden for those property buyers with weak economic foundation. If the funds are not sufficient, the one-time investment in buying a house is too large, which may affect other investments of buyers. Second, it is risky. As far as most of the houses for sale are auction houses, buyers who choose one-time payment will increase the risk of buying houses. If you choose one-time payment, each building will require buyers to pay all the house price in the pre-sale stage and sign a contract for the sale of commercial housing. However, in the transaction process, many pre-sale properties have the problem of incomplete five certificates. Although the salesperson promised to go through the formalities within a certain period of time, it is full of unknown variables for the buyers, and the biggest problem is the difficulty in filing. For those who buy faster houses, if the developer fails to deliver the house on time, or the project cannot be delivered or even "unfinished" due to insufficient funds, then the buyers who have paid the full amount may lose more interest, or even all of them will be sent to Shui Piao.

Legal objectivity:

"Measures for the Administration of Individual Housing Loans" Article 2 Individual housing loans (hereinafter referred to as loans) refer to loans issued by lenders to borrowers for the purchase of ordinary housing for their own use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.