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Cash or Finance?

Cash or Financing: Which is the Best for You?

Buying a home may be the biggest purchase in your life. Choosing whether you buy your dream house through outright cash or with the help of financing, is a crucial part of any investment. When considering which option makes the most sense, choose the one that is more advantageous and will provide you a greater return on your investment.

In making the right decision, try to weigh all the important aspects of the two options. Here are the some important facts and tips about the two purchasing options:


If you are a homebuyer who can afford to pay all cash for it, why not? The best thing about cash payment is forgoing all the long financing paper works and extended interest rates. Buying your dream house through cash will put you in a more dominant state than homebuyers who purchase through financing. As long as you have the financial resources and it will not put you in jeopardy of going into debt in case of emergency, cash is the best option for you.


Choosing financing as an option to purchase your home is also a smart choice for your financial health. One of the positive aspects of financing is you do not sacrifice liquidity since your money will not be tied up in only one asset. Homebuyers could still invest in other notable investments to diversify their portfolio. Real estate investments normally give a lower rate of return. Thus, financing gives room for investments with higher return rates.

In the end, as a home buyer, you should know where you stand financially. Think about the present gain and look forward to future return.

Reston Real Estate Expert