? Housing, education and medical care are the most concerned topics, among which real estate is just needed. It is impossible to generalize whether buying a house is good in full or in loan, depending on how much appreciation space you have. It is often said that buying a house is also an investment. According to the investment theory, all funds can't be put in one basket. But if you have extra money, you can buy it in full. Because house prices have risen sharply now, if all the money is used to buy a house, there will be no deposit in hand. It's really hard to do when it's used. So is it better to buy a house in full or in mortgage to buy a house? We can analyze it. First of all, analyze the advantages and disadvantages of full payment and loan purchase.

First, the loan to buy a house: Advantages: First, the use of funds is flexible. Because the payer of installment payment can keep a large amount of cash in addition to the funds paid in advance, if there are good investment opportunities at this time, the income he gets can make up for the interest loss he will pay to a great extent.

Disadvantages: From the perspective of risk, the risk of installment payment is greater than that of lump sum payment. Because the total installment payment is higher than the one-time payment, the investment cost is higher, so we should pay attention to the fluctuation of interest rate. If it is raised within the payment period, the installment payer will not be as happy as the one-time payer when mortgaging the house.

Second, the full purchase: advantages: there is no need to repay regularly, and there is no need to reserve certain funds to pay the repayment amount, so it is easier to mortgage or sell the house.

Disadvantages: the full amount is applicable to the situation that the purchaser has sufficient funds, the developer has a good reputation and has a house to live in.

? However, whether it is full payment or loan purchase, there are advantages and disadvantages. I hope that buyers can purchase houses rationally. In the case that the manufacturer has a good reputation and a house to live in. However, whether it is full payment or loan purchase, there are advantages and disadvantages. I hope that buyers can purchase houses rationally. All the above views are personal. If you need any way to buy a house, you still need to make a decision according to your financial ability and strength. After all, only you know your own abilities, and others can't help you make too many decisions.