Advantages and disadvantages of buying a house in full and mortgage to buy a house
(a) to pay the full amount to buy a house
1 and full payment.
(1) Pay in full to save money. Although you paid a lot of money for the first time, judging from the total number of houses you bought, you can avoid all kinds of handling fees and bank interest. And because it is a one-time payment, you can bargain with the developer to further save the purchase price.
(2) There is no economic pressure after full payment without debt, because buyers can no longer worry about the house payment and calmly arrange future financial plans. At the same time, it also saves time and does not need any credit authentication. Today's work is finished today.
(3) Easy to change hands From the perspective of investment, the house bought in full is convenient to sell and is not bound by bank loans. Once the house price rises, it changes hands quickly and it is easy to quit. Even if you don't want to sell, you can mortgage your house to the bank when the economy is in trouble.
2. Two disadvantages of full payment.
(1) If the financial pressure is not sufficient, after all, the one-time investment is very large, which may affect other investment projects of consumers.
(2) The investment risk is high, unless you have a good understanding of its real estate projects, including building quality, developer technology and financial strength. This requires buyers to have a considerable level of technical expertise, which is beyond the reach of ordinary people.
(2) buying a house with a mortgage.
1, three advantages of mortgage
(1) Spend tomorrow's money to fulfill today's dream.
Mortgage is a loan, that is, borrowing money from the bank. You don't have to spend a lot of money to buy your own house right away, so the first advantage of mortgage to buy a house is that you can buy a house with less money.
(2) Use limited funds for multiple investments.
From the perspective of investment, mortgage buyers can invest their funds separately, borrow money to buy a house and rent it, and then invest again, so that the funds can be used flexibly.
(3) The bank will check it for you.
Borrowing money means borrowing money from banks, which naturally care about the quality of real estate projects. In addition to auditing itself, banks will also audit developers and give you a check, which is natural and safe.
2. Disadvantages of mortgage.
be heavily in debt
Speaking of shortcomings, first of all, people are under great psychological pressure, because the traditional habits of China people do not allow people to make ends meet and pay attention to savings, so it is not suitable for conservative people to borrow money to buy a house. And in fact, buyers do bear heavy debts, which is not easy for anyone.
(2) it is not easy to realize quickly.
Because the property itself is mortgaged, it is difficult to resell the house, which is not conducive to the delisting of buyers.