array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(48) "大家觉得瓷砖抛光的好还是抛釉的好" ["inlink"] => int(0) ["addtime"] => string(10) "1608597460" ["tagid"] => int(7609633) ["id"] => string(7) "7609633" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504169436971008) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/7609633" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/7609633" } [1] => array(11) { ["tagname"] => string(42) "大家觉得平开窗好还是推拉窗好" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1225410) ["id"] => string(7) "1225410" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951867936780) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1225410" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1225410" } [2] => array(11) { ["tagname"] => string(30) "装修的具体流程是什么" ["inlink"] => int(0) ["addtime"] => string(10) 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大家觉得现在贷款买房好还是全款好？具体流程是什么

大家觉得现在贷款买房好还是全款好？具体流程是什么

浏览：31次 | 提问时间： 07-27 08:24

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俺是小乖兽 07-27 08:24

看自身条件吧我觉得
1.手续方便又快捷显而易见，全款买房免去了贷款的流程，在现今贷款难的形势下，全款买房的便利性更加凸显。
2.无债一身轻全款买房不必背负一身债务，没有定期还款的压力，故购房人可以从容处置手头资金。相比贷款买房，全款还能省下一比不少的利息。
3.买卖方便全款购买的房子，处置起来也十分方便，房价上涨时随时可以出手，不受贷款的制约。全款买房的缺点：
1.一次性资金投入过大全款买房要耗费一大笔资金，会影响到其他项目的投资，可能会影响其他方面的收益。
2.房产价值无法保证没有银行的参与，考察所购房产的建筑质量和升值空间完全依靠购房者自己。假如购房者对这方面不够了解，容易买到易贬值的房子。贷款买房的优点：
1.资金不足也能圆买房梦借助贷款，刚需族可以很快拥有属于自己的房子，而不必辛苦攒够全款。
2.分出资金用于投资贷款买房一次性的资金付出较小，使得购房者能够分出资金用于其他投资。只要投资的回报率高于贷款的利率，那么贷款买房显然比全款要划算、现在也有很多宝宝类理财或者私募基金高于银行贷款利率，甚至是两倍。
3.房产价值有保证银行在发放贷款时会对借款人所购房屋做一个评估，通常被银行认可的房产其价值也相对有保证。贷款买房的缺点：
1.背负一身债务中国人不像西方人对于贷款有十分开放的心态，对于背负债务，心理上往往很有压力。另外，由于要定期还款，在资金的使用上也应该瞻前顾后，唯恐资金断流耽误还贷。
2.买卖较麻烦在贷款未还清的情况下，想要卖掉房子是比较麻烦的。方法有
二：办理转按揭，或者想办法还清贷款解除抵押，而这两种办法操作起来都比较困难。以上为大家列出了全款买房和贷款买房各自的利弊，购房人可以依照自身条件选取适合自己的方式！

那份冲动 07-27 08:33

我要陪你数太阳 07-27 08:41

题主好，无论用那种方式货款都是有利有弊的，个人觉得全款买房这种方式是最划算的，房价低，不用支付银行利息，但也压力大，需一笔相当大额资金，全款买房是所有买房方式中利率最低的，开发商对于全款买房者的优惠折扣大于所有贷款买房，对于开发商来说回收资金快，但对于购房者来说资金压力大，虽然可以省去不少贷款利息，但全款买房需求的大额资金是通常家庭难以承受的。

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大家觉得现在贷款买房好还是全款好？具体流程是什么

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