Which to choose, buying a house in full or buying a house with a loan? If you have money, don't pay in full.

Which is more cost-effective to buy a house in full or by loan? For ordinary wage earners, if they can pay in one lump sum, they are simply local tyrants. Then the question is coming. Will local tyrants or rich people really buy a house in full? In fact, although buying a house in full is not only interest-free, but also very worry-free and labor-saving. In addition, according to the previous idea, buying a house in full is light without debt, but why do rich people choose to buy a house with loans now? Let's talk about buying a house in full and buying a house with a loan today.

1. What is the difference between buying a house in full and buying a house with a loan?

In fact, the answer to this question is obvious, but Bian Xiao still has to say yes: the biggest superficial difference between buying a house in full and buying a house with a loan is convenience and trouble. As mentioned above, buying a house in full is interest-free, worry-free and debt-free; Mortgage loan procedures are cumbersome, and it is necessary to pay fees and interest to the bank, which increases the cost.

Second, why do most rich people choose not to buy a house in full, but to buy a house with a loan?

In fact, this is the so-called businessman's point of view, because rich people use money to manage money. If you have enough money, you can buy a suite, but if you apply for a loan, you may buy two or even three sets.

You know, the house price has gone up, you buy one set in full, and the house price has only gone up this set. If you buy two sets, you will increase your money for two sets.

Therefore, for the rich who are good at using their own hands, buying a house with a loan can get more benefits. For example, you have 654.38+00,000 in your hand, and you bought a house with 654.38+00,000 in full. After a few years, it rose to 654.38+0.5 million, and you earned 500 thousand by buying this house. If you buy two houses, you can earn 6.5438+0 million.

Of course, at this time, some buyers may ask, Bian Xiao, your hypothesis is that house prices are rising, but what if they fall? The loss of buying a suite is definitely less than buying two suites. The more you buy, the more you lose, so financial management is still risky.

Third, there are other advantages in choosing a loan to buy a house.

1, funds are in a hurry.

In fact, Bian Xiao believes that people choose loans to buy a house, not only because they don't have enough funds, but also because: if they buy a house in full, it means that there may be a shortage of funds after buying a house, and buying a house with a mortgage loan is also to prepare for the usual quality of life, especially in case of special needs at home, such as illness, which requires a lot of money.

2. Possibility of currency devaluation

This change is very obvious. For example, steamed buns used to cost 50 cents, but now they cost 1.50 yuan. In recent years, house prices have gone up a lot, also because of the devaluation of the currency. If you buy a loan, the principal owed to the bank will never increase, but once the currency depreciates, the purchasing power of the principal you pay back to the bank will decrease. Who will eat the profits here? It's obviously a borrower.