Never buy a house in full
1. Buying a house in full requires a lump sum payment. If there is not sufficient funds, after all, a large one-time investment may affect other projects of consumers. In addition, unless you have a good understanding of its real estate projects, including building quality, developer technology and financial strength, it is necessary for buyers to have a considerable technical professional level, which ordinary people cannot achieve.
2. Buyers who choose one-time payment will increase the risk of buying a house, because it takes some time for real estate transactions. In the current real estate market, it is not uncommon for the property to be unfinished, and the developer to run away. At this time, you have paid all the house payment to the developer, so there is no guarantee at all. However, this period is full of unknown variables. Once an accident happens, the buyers who have paid the full amount may lose a lot of money.
What are the benefits of buying a house with a loan?
1. You can buy a house with little money. Buying a house with a loan means borrowing money from a bank to buy a house. You can own your own house without investing too much money in the early stage. For example, if you want to buy a house with a total price of 3 million in Beijing, you can buy it with 1.5 million in your hand.
2. The risk of buying a house is low. Mortgage loan is to borrow money from the bank to buy a house. In addition to the buyers' concern about the advantages and disadvantages of the house, the bank will also review it. In this way, the insurance of buying a house will be improved. A bank check can filter out some of the risks of buying a house. Banks will review and evaluate developers to confirm the safety of loans, which to some extent excludes some developers with poor qualifications and insufficient strength.
3. If you buy a house in full, it will take a lot of time for the buyer to recover the house payment if the property is unfinished or the developer runs away.
4. I have working capital and family assets of 3 million. If I buy a house in full, I will have no working capital. If I need money urgently, I may have to borrow money at a high price. If you spend 1.5 million yuan to buy a 3 million house, you will still have 1.95 million yuan at your disposal, which can be used to manage money and get more income than the bank interest rate.
5. Fight inflation. In the long run, inflation is the general trend, and money will become less and less valuable. Your monthly payment is 5, yuan now, and you may only be able to buy things from 5 yuan in 2 years. Consuming present things with future money can not only effectively fight inflation, but also enhance asset value in disguise.
6. You can make full use of the limited funds, and the one-time payment of the loan to buy a house is relatively small, so that the buyers can allocate funds for other contributions. As long as the return on investment is higher than the interest rate of the loan, then it is obviously more cost-effective to buy a house with a loan than the full amount.
through reading the above article, I wonder if you know why you don't want to buy a house in full and the benefits of buying a house with a loan. It is not difficult to see that the advantages of buying a house with a loan are obviously greater than those with a full loan. If you are in the period of preparing to buy a house now, I suggest you read more about mortgage. Whether it is a full loan or a loan, it is a big deal. I hope you can choose carefully.