There are two possibilities for buying a house with a loan: ups and downs. For the convenience of calculation, the ups and downs here are regarded as the ups and downs before the inflation rate and loan interest rate.

For example, the loan ratio is 50%, the inflation rate 10%, and the loan interest rate is 6%.

Assuming that the house price rises by 20%, the total income is 40% due to the loan leverage, and the actual income is 24% after deducting the interest rate and inflation rate.

Similarly, suppose the house price rises by 8% and the actual income is 0.

If the house price rises below 8% or falls. The actual income is negative. But it is equivalent to bank deposits, which may be positive.

Foreign experience and lessons are all floating clouds. National conditions are different, so we can't copy them mechanically.

There are buddies below who think they will make a profit by buying a house in full. This is completely wrong.

If inflation is expected, medium and long-term debt is an effective means to resist inflation, rather than buying specific goods.

Interest rates are unlikely to rise sharply. Interest rate is the most basic thing, with blunt means and great side effects, which will affect the whole body. It can only rise slowly. The highest interest rate in China's history, 8-year time deposit, seems to be 17.6% annual interest. The result is a hard landing. The economy contracted across the board. It caused great confusion to the government of Jules, and the salaries of civil servants and teachers began to default. The family had to take measures such as medical reform, enrollment expansion and housing reform to revitalize the economy, which led to the bitter fruit now. I can't help it I want to pay for the past.

For it. Therefore, interest rate is definitely the most cautious policy, and it is also a policy that cannot be misused.

Conclusion: You can borrow as much as you can. I bought it in full, only a little smarter than the person who keeps it in the bank.