First, the current social environment is in an era of inflation. As we all know, with the issuance of RMB, the actual purchasing power of RMB is actually depreciating every year. If your annual return on investment in assets is not above 10%, then your purchasing power of assets is declining every year.
Generally speaking, 1 10 yuan at the beginning of the year, if you don't change this 100 yuan into 1 10 yuan or more by the end of the year, then what you can buy with this 100 yuan at the end of the year will be the same as that at the beginning of the year.
Second, at present, the interest rate of bank loans is still relatively low relative to the inflation rate, especially if you can make a provident fund loan, which is equivalent to spending the bank's money in advance. There is a spread in the middle, and you must make money.
Third, the house is an asset to preserve value. Now that I have bought a house, it may not increase in value at this stage, but it is ok to basically keep the original price. So this is equivalent to using the money borrowed from the bank to enjoy the full strength of the house in advance, whether it is self-occupied or rented, your interests can be maximized.
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