Content: Is it better to buy a house in full or with a loan? Under normal circumstances, it is obviously more cost-effective to buy a house with a loan. Why do you say that? Because we can own a down payment house and pay back the loan every month. In this way, there is still a sum of money at hand, which can be used for financial management and investment. In addition, in the current situation of increasing inflation year by year, it is recommended to borrow money to buy a house. But if you have the ability, you can do it.