A fan asked a question that hit the soul: Since you have a house and lack money, why do you choose to mortgage a house if you sell it directly? That's a very good question, and it's worth answering your questions specifically. 
Advantages of mortgage loans.
1. The rate is relatively low.
If you have a house as a mortgage, the bank is more assured, and the mortgage rate is relatively low, generally 10%-30% above the LPR. Many banks are getting off to a good start with interest rates lower than LPR. This advantage is obvious. However, it should be noted that when we enter the ** house mortgage, we can't simply look at the rate of the mortgage. The actual rate of loan financing also needs to take into account the difference between the repayment method and the mortgage method.
2. Flexible loan term.
Generally speaking, you can borrow for 1 month to 20 years, and some banks can do it for 10 years, or even 20 years. In the case of temporary turnover, financial institutions can also do short-term borrowing. Just ask you if you are tempted.
3. The loan amount is relatively high.
How much you can borrow depends on how much your house is worth. Generally speaking, 70%-90% of the appraised value of the loanable house for commercial housing; 60% of office buildings and shops can be loaned, 50% of industrial plants can be loaned, and the maximum loan limit of housing loans can be up to 30 million. Basically, it can meet the borrower's demand for funds.
4. The approval rate and pass rate are relatively high.
As I said earlier, the houses are mortgaged to the bank, and the bank is more assured, so the requirements in other aspects will be more relaxed. There are no high requirements for the borrower's income level and salary payment form, as long as there is a stable job and good credit, the loan can generally be taken.
5. Flexible repayment methods.
There are more than 5 repayment methods, interest first and principal later, equal principal, equal principal and interest, irregular repayment, balloon loan, etc.
6. You can use other people's houses as collateral.
Even if you don't own a house in your name, that's okay. If the main relative or spouse has a house in his or her name and has his or her consent, he or she may also use someone else's house as a mortgage.
7. You can also take out a direct loan for a mortgaged house.
The house that has not been repaid the mortgage can be used for a mortgage, this behavior is the second offset of the real estate, and the mortgage product can be used for the first and second mortgage of the house, and now you can apply for a limited time preferential rate. (The annual interest rate is as low as 3.p.a.)2%）
In ancient times, there was a marriage match, and the marriage paid attention to the right family, but now marrying a wife and marrying a person depends on the white skin, beautiful and long legs, a house, a car and money, at least Wang Ba has to look at the mung bean to see the right eye, it is a two-way choice. In fact, bank loans are also a two-way choice, you want to choose a big bank, safe, high amount, low interest, can loan for 10 years and 20 years, only repay interest and not principal, fast, simple procedures, do not look at the credit information, do not let the family know, do not look at the debt, do not look at the flow of water, do not look at the age of the house, do not look at the area, do not look at the type of property, do not look at the nature of the house, do not look at the repayment of the repayment, do not look at the purpose of the loan, do not look at the company's operation, etc. And if the bank wants to lend you a loan, it really depends on whether you are "white-skinned, beautiful, long-legged (good person, good reputation), have a house (commercial housing), a car (assets) and money (a company, a running water)". People who have never taken out a loan will say, my house is millions and tens of millions, I am so rich, I can find a bank with my own house book, and he will not lend me millions! What else does he pick on me, it's good if I don't pick him. Each bank has different requirements for the portrait of its own customers, some banks value assets (the more houses, the better the approval, the more active the community transaction, the better the approval), and some banks (the larger the flow, the better the approval). 
Summary. Overall, mortgages are more cost-effective. As long as it passes the bank's review, the interest on the mortgage is certain, and the repayment is made on time, there is no risk. But the risk of selling a house is uncertain, in case the house price rises sharply, there is only endless regret...**10,000 Fans Incentive Plan What are you waiting for if you want to know about the mortgage? Contact me for a consultation