In the past, the state encouraged loans to buy houses to stimulate consumption, so it is cost-effective to provide preferential policies on loan interest rates. Now the state is regulating housing prices and reducing the preferential treatment of housing loans, so it is best to pay them in one lump sum. The mortgage we use now generally refers to the mortgage loan for individuals to buy commercial housing. The legal relationship of mortgage as guarantee is that in the project pre-sale contract, the buyer pays part of the house price to the seller, and the remaining house price is paid to the seller through loans from financial institutions. Before the real estate license is issued, the seller will transfer the buyer's option to the faster house to the financial institution by agreement as a guarantee for obtaining a loan from the financial institution. After the real estate license is completed, the seller cancels the guarantee, and the buyer transfers the auction house option obtained according to the contract to the bank as a guarantee for repayment of the loan. After the buyer pays off all the principal and interest of the loan, he can get the priority of compensation. You can redeem options and obtain real estate licenses. If the buyer defaults or fails to repay the loan within the loan period, the bank has the right to dispose of the mortgaged building and get priority compensation. ?

In order to encourage buyers to buy the houses built, developers request banks to provide real estate mortgage loans, developers should sign mortgage loan cooperation agreements with banks, and banks, developers and buyers should sign mortgage loan contracts and guarantees. ?

It depends. If you have enough money, I suggest you pay it in one lump sum. If the income of your working capital exceeds the bank's loan interest rate, then it is recommended that you mortgage. When you are short of funds, I suggest you take out a mortgage. Mortgage mortgage means that the mortgagor transfers the property right of the house to mortgage, and the beneficiary serves as the repayment guarantee. After the mortgage is paid off, the beneficiary immediately transfers the property rights involved to the mortgagor, who enjoys the right to use in this process. The word "Mortgage" is a cantonese transliteration of the English word "mortgage", which originally originated in western countries and originally belonged to a legal relationship in the Anglo-American balance law system. Later, it was introduced into the mainland real estate market from Hong Kong more than ten years ago. It was first tried by Shenzhen Construction Bank in the local area, and then gradually popularized in the mainland. Because of its frequent appearance in the real estate field and its formal use in this paper, its meaning has gradually evolved into "mortgage loan", which has been officially called "mortgage loan for individual purchase of commercial housing" in China.

Whether the money is enough or not, you have to mortgage it. Although you have to pay interest for using the bank's money, you can create more profit space for yourself.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!