Quánkuǎn hé ànjiē yào gēnjù zìjǐ de qíngkuàng xuǎn.
Whether to pay in full or take a mortgage depends on your own circumstances.
Tips
usage
全款 contrasts with 按揭 / 贷款 (mortgage, loan) and 分期 (installments). Often used adverbially before 买 to describe large purchases — homes, cars, phones. 全款买房 is a common flex in 豆瓣/小红书 personal-finance posts.