1. The first thing you need to consider is your actual economic situation. If you can buy a house directly in full and there is no big burden in life, you can choose to buy a house directly in full. If you choose a loan, you need to consider the monthly repayment and living expenses, and whether you can afford it.
The second factor to consider is the change of interest rate. The current interest rate of the first home loan is 4. 1%, but in the next 24 years, the interest rate may change, and so may the interest rate of bank deposits. Therefore, the specific benefits in the future cannot be determined.
The third factor is the existing savings and investment assets. If you have enough savings and investment assets, you can consider using the remaining assets for real estate purchase. If there are no investment assets, or the savings are not enough to deal with emergencies, then it is a safer choice to keep some as backup funds.
Generally speaking, whether buying a house is a loan depends entirely on everyone's actual economic situation and capital needs. Therefore, it is best to make the best choice according to your own situation.