It depends on the individual's financial ability

If you have a fortune and don't care about the money to buy a house, of course it is better to buy the house in full, because buying a house with a loan, and finally paying off the loan, less It is said to be 3-5 more expensive than the previous house, and you still have to carry a debt every month. In fact, it is no different from renting a house, except that you have changed the landlord. The previous landlord was an individual, and now the landlord is a company or company. country.

If you are a small employee in a company, you have a fixed monthly salary and a housing provident fund, and you don’t have enough money on hand to buy a house in full, then choose a loan, which can ease the family’s financial difficulties. Pressure, if you buy a house in full with such financial ability, the whole family will have to tighten their belts to live. If there are weddings and funerals in the future, it will be impossible to survive.

So from this class point of view, it is better to buy a house with a loan. If you have a housing provident fund, you can pay half of the down payment yourself and the company will pay half. This way you can reduce a lot of expenses, and you have a stable job, and you can still pay for the house. If you support yourself, you will be less stressed. As long as the water flows slowly, you can pay it off slowly until you are rich and wealthy.

The one that suits you is the best, choose reasonably according to your own financial ability!