It is generally advisable to have a bank loan when buying a house, as it can help you finance the purchase without having to pay the full amount upfront. However, it is important to consider all of your options before making a decision. You should consider factors such as the interest rate, repayment period, and other fees associated with the loan. Additionally, you should make sure that the loan is affordable and that you can make the monthly payments. For more information, please consult a financial advisor.