Need advice on buying a HOME…?

HI All,

Need advice on buying a HOME…

My budget of buying a home is $ 300k Max.

Which is the best way to buy a home?

option 1: Save the entire money i.e. $ 300k and then buy a house , so that I can avoid bank loans. But for me, saving $ 300k might take approximately 6 years.


option 2: Save a some monet for down payment say $ 10k or $ 20k and buy a house. But this way I have to pay bank loans every month.

If I implement option2, will I benefit any thing from year end taxes? or do option 1 helps me to benefit from year end taxes?


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