My opinion is that mortgage loan is the best way to manage money for first-time home buyers.

First, buying a house by loan is a kind of loan supported by the state, and the interest rate is low. At present, the annual interest rate of housing loans for more than five years is 7.05%, and the interest rate of provident fund loans is 4.9%. During the same period, the highest five-year interest rate of bank deposits was 5.50%, and the highest spread was 1.55%. In other words, if a part of the house payment is to be used as a bank time deposit, then the actual annual interest paid to the bank is the total loan. Because the funds saved by using housing loans have a lot of room for use, they can be deposited in banks regularly and used as futures, gold, wealth management products or other investment methods, and the yield will be high. If you don't want to bear the bank interest. You can repay at any time in the bank.

Second: at present, house prices have risen sharply for many years. In the long run, affected by land price and urbanization, housing prices will always be on the rise, and the increase may be eased, but the upward trend will not change, especially the real estate in central cities. Therefore, buying a house is the best investment product at present, which has increased by more than 20% every year in previous years. This year, governments at all levels have set the highest growth rate, and the lowest is above 10%. In June, the national consumer price level rose by 6.4% year-on-year. Cpi is usually used as an important indicator to observe the level of inflation. Generally speaking, when CPIgt3% increases by 3%, we call it inflation; When CPIgt5% increases by 5%, we call it SeriousInflation, which means serious inflation.

So the currency keeps depreciating and prices keep rising. Since the date of the bank loan, the purchasing power of the loan has been depreciating, and the interest to be paid for the loan is pitiful compared with the utilization rate of the saved funds.

Third, at present, with the rapid economic development, people's lives have been greatly improved, social mobility is huge, and the demand for bank loans is increasing day by day. Therefore, it will be normal for bank loans to be tight, mortgage loans will become stricter and the handling fees will become higher and higher. So handle it early and save money early. For example, in the past, the minimum discount for housing loans was 30%, and there was no relevant formalities. Now the lowest benchmark interest rate can only be 8.5%, or individual small banks or foreign banks.

Therefore, the loan to buy a house is still very cost-effective.

Is it cost-effective to borrow money to buy a house? Is it worth it?

Many people are hesitant to borrow money to buy a house or bite the bullet and save it all at once. In fact, there are still many advantages to buying a house with a loan. If you list it a little, you can give many examples. For example, the biggest advantage of buying a house with a loan is that it will change you from the proletariat to the bourgeoisie and from a houseless household to a householder. Of course, buying a house with a loan has the following advantages:

1, you can buy a house with less upfront investment and less money.

Now more and more people buy houses through loans. Buying a house with a loan can cost very little money. You only need to prepare a part of the down payment and have a certain repayment ability. The rest of the money is going to be borrowed from the bank.

2. The expected annualized interest rate is low and the use of funds is more flexible.

Judging from the change of the expected annualized interest rate, the expected annualized interest rate of the mortgage benchmark dropped from the same period last year to 654.38+10,000 30-year equal principal and interest loans, which can save about 654.38+10,000 yuan. On the other hand, from the investment point of view, the annualized interest rate is now expected to be in the downward channel, and buyers can use the funds for other investment projects, making the use of funds more flexible and convenient.

3. The risk of buying a house is small.

Because the bank is very strict in reviewing the mortgage and tries to minimize the risk, the bank will inspect the house that you borrowed to buy a house, so that the house purchased by the buyers will generally have no problems and ensure the safety of assets.

Is it worth buying a house with a loan?

Whether buying a house loan is cost-effective depends on the financial situation of your house at that time. If you can buy a house in full, you don't need a loan, and you save a high loan interest. If you are eager to buy a house, but you are unable to pay the full amount, it is undoubtedly a very cost-effective choice to buy a house with a loan.

First, the advantages of loans to buy a house

1, less capital investment

The advantage of buying a house with a loan is that you can buy a house first and have less money.

2. Capital activities

From the perspective of investment, loan buyers can separate funds, such as renting a house with a loan to support the loan, and then purchase other projects, so that the use of funds is more flexible.

3. Less risk

Mortgage loan is to borrow money from the bank to buy a house. In addition to buyers concerned about the quality of the house, the bank will also review it. In this way, the insurance for buying a house will increase.

Second, the disadvantages of buying a house with a loan

1, in debt. Speaking of shortcomings, first of all, people are under great psychological pressure, because the traditional habits of China people do not allow people to make ends meet and pay attention to savings, so it is not suitable for conservative people to borrow money to buy a house. And in fact, buyers do bear heavy debts, which is not easy for anyone.

2, it is not easy to realize quickly. Because the property itself is mortgaged, it is difficult to resell the house, which is not conducive to the delisting of buyers.

3. What information do I need to prepare for the mortgage?

1. If you need to prepare a loan application, you can go directly to the bank and fill in the relevant information truthfully.

2. My ID card, including your ID card and your household registration book, can be fully prepared if you have a passport or a police officer's card.

You also need to prepare a personal proof of marital status. If you are married, you need to prepare a marriage certificate. If you are not married, you need to go to the civil affairs department to issue a single certificate.

It is important to prepare personal income certificate, because the bank should consider whether you have repayment ability, such as your salary running bill. To start a company, you need to provide a tax payment certificate.

5, but also provide proof of the purchase contract and down payment.

6. If the house is shared with others, another person also needs to provide his own identification, and so on.

Is it worth buying a house with a loan?

A: It is worthwhile to buy a house with a loan. If you are in business, it is the best policy to buy a house with a loan, so that you can get a house and do business without being affected. Is the best of both worlds; If you are a wage earner, you can get a loan to buy a house to relieve the pressure, which will not affect your family life, but also solve the housing problem. In fact, there are many benefits of buying a house with a loan, so I won't elaborate on them one by one. However, if you really have money and don't need a loan, there is no need to borrow money to buy a house.