It is cost-effective to buy a house loan now. Because the security of buying a house is relatively high, it can effectively reduce the pressure of buying a house, ensure the available funds, and have more room for choosing a house. Buying a house by loan is more suitable for the general public than buying a house in full, because mortgage is the biggest loan that the general public can get from the bank, and everyone can make money by this opportunity, such as investment and operation, which may lead to a counterattack in life. Nowadays, many ordinary families are troubled by rising house prices and difficulties in buying a house, so buying a house with a loan is the only way for those who just need it. Pay attention to the following aspects when buying a house with a loan: ① Determine the down payment amount according to the economic income. For example, if you buy a house with 6,543.8+0,000 yuan, you should pay a down payment of 30% and 300,000 yuan. If you have enough money, you can increase the down payment. The full amount is naturally good, but it depends on your own specific situation. ② The shorter the loan term, the better. Usually experienced buyers know that the longer the time, the higher the interest paid. Under normal circumstances, the loan for more than 20 years is 240,000. But if inflation is an exception after 30 years.