The currency is depreciating
In fact, the above example can well explain the benefits of buying a house with a loan and why not buy a house in full. There is a simple reason. The currency is depreciating and your income is rising. For example, the mortgage loan in those years did cause great trouble and pressure to Xiao Ming, but after 10 years, the money was nothing, especially after 20 years.
Although it is really much easier to buy a house in full, it will be paid off at once, but buying a house with a loan can save money. According to the gap between the current M2 growth rate (the speed of issuing money) and the GDP growth rate (the speed of creating wealth), the purchasing power of RMB will depreciate by 6-7% annually on average, that is, 65,438+000 RMB, which may depreciate to 48 yuan and 23.4 RMB respectively after 65,438+00 and 20 years.
Mortgage is the cheapest loan.
Some property buyers say that it is best not to look for a bank loan to buy a house, because a lot of interest needs to be paid to the bank, so is the bank's money worth the loan? Through comparative analysis, you will know that the actual interest rate of credit card deferred repayment is generally around 18%; Borrowing money from P2P platform, the annual interest rate is generally 25% to 40% or even higher; If it is private financing, the annual interest rate will be higher.
Buying a house in full is very simple.
It's the easiest thing to pay first and deliver first. You don't have to apply for a mortgage and go through all the formalities. Maybe you haven't applied at last, so you will be in big trouble. At the same time, there is no need to worry about late mortgage overdue.
The full purchase discount is very strong.
One-time payment will give you a discount of at least 3 to 5 points, which can also save 30,000 to 50,000 yuan, calculated by 6,543,800+0,000 yuan. Developers need to withdraw funds as soon as possible, pay attention to the turnover rate, and whoever gives money happily will definitely give a big discount.
Once you sell the house, you don't have to run around. If you don't want to live in your house and want to sell it, if you are still in the loan period, you need to cancel the mortgage before transferring the ownership. This is also a trouble, and there are many such things. Therefore, it is really impossible to generalize whether the person who buys a house in full is "stupid" or the person who buys a house with a loan is "stupid". After all, everyone's situation is different, and everyone's ideas are different. We should seek common ground while reserving differences, instead of being silly as long as others think differently from ourselves.
Source: Xiaoli is at home