The advantage of buying a house in full is to save money, because from the total amount of buying a house, there is no need to pay various fees, bank interest and other expenses, plus it is a one-time payment, and there is room for bargaining. In addition, buying a house in full is not subject to debt pressure, and it is easier to transfer ownership. The disadvantage is that the capital pressure is high and the investment risk is relatively high.
The advantage of buying a house with a loan is that you can buy a house with a down payment, and the rest of the money can be directly loaned to the bank, and the loan interest rate provided by the bank is also relatively low. Another advantage is that the risk is small and relatively safe, because in order to better control the credit risk, banks will inspect the houses purchased by lenders, so the risk of buying a house is relatively small and the property of buyers will be guaranteed. The disadvantage is that when the housing loan amount is large, the monthly repayment pressure is also relatively large.
Click to view: it is better to buy a house loan in full.