Is the beneficiary of the mortgage home buyer himself or the bank? Why?

There are both, first of all, the benefit for yourself is to relieve the tension of your own funds, and you can live in your favorite house in advance, which is very good. For banks, it drives the flow of funds and obtains certain returns, and the risk of bank funds will be minimized. Therefore, it is beneficial for both yourself and the bank to buy a house with a mortgage.

From the active and passive side, the beneficiary should be the buyer, because although the bank has earned a certain amount of economic benefits through your business, but more for you to provide, the bank does not do your business in time, he can also do someone else's business, and you urgently need the loan from the bank, which is the larger beneficiary bank, without your business, there are also countless people who come to him to do loans, whether it is an individual or a company.

I think the beneficiary is myself, but the bank also benefits. First of all, buying a house with a mortgage gives me a home, a shelter from the wind and rain, and a safe haven for getting married and having children, but half of the monthly payment every month is to repay the bank's interest, so the bank also earns. There are two sides to everything, and both sides need to benefit in order to balance, otherwise there is no such thing.

In my opinion, the beneficiaries of buying a house with a mortgage include themselves and the bank, because the bank earns interest income by providing loans, and they complete the purchase of the house and own fixed assets by using the mortgage loan provided by the bank, so they are both beneficiaries, but the biggest beneficiary is themselves.

Buying a house with a mortgage actually benefits both parties.

Because you take out a loan to buy a house, it is equivalent to spending in advance and enjoying the right to stay in the house in advance.

But you have to pay a large amount of interest in advance, so it is also beneficial for the bank.

In general, it is a mutually beneficial thing.

I think it's a win-win! The maximum term of a mortgage loan is 30 years, and if you really want to repay it slowly over 30 years, the interest will be the same as the loan amount.

However, if you repay the loan early, you will be charged interest based on the actual number of days of use.

As an office worker, I always take out the longest loan term, so there will be no pressure, and I can repay it at any time when I have money.

In fact, mortgage loans are the lowest interest rate among all commercial loans, and the shorter the loan term, the lower the interest.

As a bank, to provide customers with mortgage loans, the risk is the lowest, if the customer can not repay the loan, the bank can realize the mortgage of the house, through the auction of the house, priority repayment, not afraid of bad debts.

I think it's a win-win situation, because for the time being, it is difficult for my economic level to buy a house in full, and I can own a house through a mortgage, and the house will also have room for appreciation in the later stage, and the bank can also get a high interest return by using our mortgage, which is beneficial to both sides.

I think that the beneficiaries of the mortgage purchase are both themselves and the bank, which can be said to be mutually beneficial. Why?

As far as I am concerned, buying a house with a mortgage, although I have paid more interest, but I can still own a house through a mortgage without the full payment, realize my housing dream, and repay the bank loan on time every month in the future.

For banks, by lending, they can revitalize their funds and collect interest from lenders, which is also an aspect of the bank's profits.

When you haven't paid off the loan, the house is really worthless......