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i think a mortgage is abit expensive rather than building your own house,in essence for a mortgage you end up paying for the interest rather than cutting down on the loan
There are multiple factors to this decision:
If someone does not have any issue of resources then he/she should go for building a house depending on his/her taste and requirement.
Mortgaging a house is good option when requirement of house is temporary. .
Buying a house is more viable when someone running out of time for building it.
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