银行内部流出的4笔账，看完才知道全款买房多亏 前几天陪发小阿凯去看房，他手里攥着150万积蓄，盯着一套148万的小三居犯嘀咕："销售说全款付能打98折，还不用还银行利息，听着特划算；可我妈又 说'别把钱全砸进去，留着应急'，我都快纠结死了。"正好我有个在银行做个贷的朋友，听说这事儿后，直接发来了4笔内部算账表，阿凯看完当场拍 板："不全款了，贷款！" 其实不光阿凯，咱们普通人买房，十有八九都纠结过"全款还是贷款"。总觉得"欠银行钱心慌"，又怕"全款优惠没占到亏了"，可很少有人算过这背后的"隐 性成本"——银行朋友说，他们内部做过统计，80%的普通人全款买房，都亏在了"流动性、通胀、投资收益"这三件事上。 可能有人会说："我不缺钱，全款也能留应急，总不会亏了吧？"但银行朋友的第二笔算账单，正好戳中了这个误区——你忽略了"通胀"这个隐形杀手，未来 的钱可比现在的钱"不值钱"多了。 国家统计局数据显示，2024年全国居民消费价格指数（CPI）同比上涨0.5%，虽然看起来低，但长期看，过去10年CPI年均涨幅在2%左右。咱们按2%的年均 通胀算笔账：现在的100块，10年后只能买到相当于现在82块的东西，30年后更是 ...

Core Viewpoint - The decision between paying for a house in full or through a mortgage significantly impacts an individual's financial situation and lifestyle over the long term [1]. Group 1: Full Payment Advantages and Disadvantages - Paying in full provides a sense of ownership and eliminates the burden of long-term bank interest and monthly repayments, leading to a straightforward transaction process [3]. - The downside of full payment is the immediate outflow of a large sum of money, which can lead to liquidity issues in case of unexpected financial needs [4]. - Full payment allows for quicker transactions and potentially better negotiation power with sellers [3][11]. Group 2: Mortgage Advantages and Disadvantages - Mortgages allow individuals to leverage a smaller down payment to acquire a more valuable property while keeping additional funds available for other investments [6]. - However, mortgages impose fixed monthly payments that can strain finances, especially during economic downturns or personal income fluctuations [8]. - The psychological burden of long-term debt can lead to increased caution and reduced risk-taking in financial decisions [9]. Group 3: Personal Considerations - The choice between full payment and mortgage should be based on individual financial situations, including cash flow and investment opportunities [12]. - Individuals with sufficient cash reserves may prefer full payment for peace of mind, while those with stable high-return investments may opt for a mortgage for flexibility [12]. - Ultimately, the impact of the chosen payment method on future lifestyle and financial arrangements is crucial, as it influences overall happiness and life rhythm [13].