Because the bank interest rate is very low, a friend of mine borrowed money to buy a house more than ten years ago, and now he repays 300 yuan every month. Now that prices are soaring, 300 yuan is a meal, but it was not a meal more than a decade ago. If you buy in full, the capital utilization rate is low, and your money is only used for consumption. The key depends on the opportunity cost, not just how much you have to pay back. If you use this money to buy a house and a car, when you need money in the future, you won't have to borrow four miles from the bank.