Personal advice, loan it, it is more cost-effective year by year. Because there are more deposits now, you can pay more, and the annual repayment will gradually decrease, so there will be no too much pressure, and you can transfer the loan to the buyer in the future. If you use enough. The good direction is no interest. The downside is that all the savings are thrown out at once, and life will be very passive and there will be no emergency funds.