贷款买房:看存款如果说我们的资产情况良好,银行有大笔的存款,又没有其他投资和更高收入的渠道,那么我们就选择少贷,那样我们的利息也会少一些。还有一种情况就是如果我们手上的资金都投入到基金、期货等理财产品中而且获得的回报率要高于我们所付出的利息,那么我们就选择多贷一点。选购新房,最重要的还是房子本 Loans to buy a house: to see the deposit If we have good assets, banks have a large deposit, there is no other investment and higher income channels, then we choose less loans, so that our interest will be less. Another situation is that if we put money into the funds, futures and other financial products and get a higher rate of return than we have paid the interest, then we choose to lend more. Buy a new home, the most important thing is the house