First, the benefits of buying a house in full
No matter how high the house price is now, there are always people who are willing to exhaust all their savings to buy a house. The process of buying a house in full is much simpler, and it is not easy to make mistakes and fall into traps. The process of buying a house in full is only payment and signing a contract, and there is no complicated follow-up loan process. And usually in the form of full purchase, the developer will give a certain discount, and there will be a discount of 3% to 4%.
Although the discount of 3% to 4% is insignificant in figures, you will find a lot of money saved when you convert the total house price. For example,1100,000 can save 30,000 to 40,000. In addition, after buying a house, you can sell it directly, which is not restricted by bank loans. When the house price rises sharply, it can be sold in time, thus making a big profit.
Besides, no one can guarantee that his life will be smooth sailing. In the case of cash flow difficulties, he can also use the house as collateral to apply for a large loan from the bank.
Second, the benefits of buying a house by loan
In fact, for ordinary buyers who just need to buy a house, the problem of buying a house in full or by loan never exists, because they often don't have enough funds to pay in one lump sum, and mortgage is the only choice. But in fact, buying a house with a loan also has many advantages, such as spending less money in the early stage of buying a house and enjoying the house with relatively little money.
Also, even the most experienced people can't guarantee that buying a house is completely risk-free, and buying a house with a loan can better avoid the risk problem. When buyers borrow money from the bank, the bank will inspect the house itself and the developer to ensure the safety of the loan. In this way, the insurance of buying a house will be improved, and banks can filter out some risks of buying a house.
In addition, the real estate industry professionals most often mention inflation. The currency continues to depreciate. You pay 5,000 yuan a month now, and in 20 years, you may only be able to buy things from 50 yuan. So buying a house with a loan is also a kind of financial management. The mortgage you applied for seems to have a high interest rate, but in fact, in the annual inflation, it is not as huge as it seems.
Why do rich people love to borrow money to buy a house when they clearly have the money to buy it in full? Because in their view, buying a house by loan is a kind of financial management. Using future money to consume present things can not only enjoy a comfortable life in advance, but also effectively fight inflation. The most important point is that it can also enhance the value of assets in disguise.
In fact, buying a house in full or by loan is the choice of the rich, because ordinary buyers can only choose to buy a house by loan because of their own economic conditions. In short, the property market, which has repeatedly mentioned the policy of "staying in the house and not speculating" this year, still has a certain calming effect on buyers who buy their own homes. The importance of the house to China people makes people cautious. Whether it is full payment or mortgage, buying a house must be within your ability.