What are the advantages and disadvantages of buying a house by loan now? Tell me specifically!

The advantages of buying a house with a loan outweigh the disadvantages.

1, buying a house is

What are the advantages and disadvantages of buying a house by loan now? Tell me specifically!

The advantages of buying a house with a loan outweigh the disadvantages.

1, buying a house is different from buying most goods. In a certain period of time, real estate has the function of preserving value, and the loss of use and depreciation can be ignored. From the perspective of investment, the value of the house is also obvious. For example, putting money in the bank, because the interest rate is fixed, once the price rises above the bank interest rate, the real value of bank deposits will not increase but will shrink. Buying a house is different, because house prices will rise with the rise of house prices. According to experience, in the long run, rising prices are a general trend, and the rate of return on investment in real estate is higher than that on bank deposits.

2. Buying a house can be rented.

Rent a house and earn rental income. At present, the rental yield of houses is generally between 6%- 13%.

3. Buying a house can arbitrage and earn the bid-ask difference.

Buying a house at a low price and selling it at a high price to earn the difference is arbitrage. The natural appreciation of the house can provide the possibility of long-term arbitrage.

It is conceivable that which is more cost-effective, the interest rate of buying a house by loan or the appreciation of house prices?