First, the characteristics of buying a house in full
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Although buying a house in full requires a one-time payment, it saves a lot compared with loans in general. For example, reducing loan interest and so on. In addition, if you buy a house in full, you can bargain with the developer and get a more favorable house price for yourself.
Simple process
In the case of buying a house in full, you can sign a purchase contract directly with the developer, saving time and effort. If you buy a house with a loan, you need to sign a contract with the bank. If it is a provident fund loan to buy a house, the procedure will be more complicated.
Easy to change hands
The sale of houses purchased in full will not be restricted by bank loans. Once the house price rises, quickly change hands and cash out. Even if you don't want to sell, you can mortgage the house to the bank to solve the urgent need when there is a problem with family funds.
Huge financial pressure
If the buyers don't make a good budget and spend a lot of money at one time, it will definitely affect the quality of normal life, thus bringing more pressure to the buyers.
The variables are very large.
In the current real estate market, most properties will require buyers to pay the house price in the pre-sale stage. However, in the subsequent transaction process, there will be problems in the pre-sale of real estate more or less. Although the salesperson promises to solve the problem within a certain period of time, there is great risk for the buyer in this case.
Second, the characteristics of the loan to buy a house
The financial pressure is small
Generally speaking, buying a house with a loan means spending money in advance and enjoying it in advance, that is, spending money in the future to realize your dreams now. Mortgage loan, you can live in your favorite house without paying the full amount immediately and enjoy it in advance. Buying a house with a loan generally takes the form of installment payment, which converts a large amount of money into a medium-and long-term small amount of money. From this point of view, the obvious advantage of buying a house with a loan is that you can buy a house with less money, which is a good choice for young people who want to buy a house now but have insufficient funds.
Make full use of limited funds
Buyers who apply for loans to buy a house can choose financial management. In the face of today's rich wealth management products, such an approach can make the use of funds flexible and generally obtain higher interest income.
Debt leads to great stress in life.
Buying a house with a loan also has disadvantages. Although I have lived in my favorite house, I need to pay my mortgage every month, which is a heavy burden for many young office workers. The habit of China people since ancient times is not to make ends meet, and to be frugal. Therefore, the traditional concept of property buyers in China should not borrow money to buy a house.
A complicated process
Provident fund loans, commercial loans, etc. The procedure is more complicated. At the same time, provident fund loans will be subject to geographical restrictions, and the application will be more complicated, time-consuming and laborious.
Through the comparative analysis of the advantages and disadvantages of the above small series for the full purchase and the loan purchase, I think you have comprehensively considered your own situation and have your own choice in mind. In fact, the choice that suits you is a good choice.
Source: Network
(The above answers were published on 20 18-04-08. Please refer to the actual situation for the current purchase policy. )
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