Hello, it is more cost-effective to buy a house by stages. To buy a house by stages, you can apply for a loan through a bank, or you can apply for a loan through an intermediary company. Usually, when an individual applies for a loan to buy a house, he needs to pay a down payment, that is, 30% or more of the total amount, and he needs to provide proof of income and credit information. Only after the bank has passed the examination can he repay the loan on a regular basis. Buying a house by stages has many advantages, mainly because it can alleviate the pressure of one-time payment and the funds on hand will be more flexible. If you have an investment intention at this time, you can kill two birds with one stone if you have sufficient funds on hand. In addition, the risk of buying a house by stages will be relatively small. If you don't pay the house on time, you will lose less money. To sum up, it should be noted that although installment payment costs more interest than lump-sum payment, from the perspective of inflation, money will be less and less, and the longer the loan time, the less the repayment pressure.

I hope I can help you.