为什么要贷款买房？这个问题涉及到许多因素，如个人财务状况、生活需求、投资价值等等。以下是对这个问题的解析以及英文翻译对照：

首先，贷款买房可以减轻经济压力。对于许多年轻人和家庭来说，全款买房是一项巨大的经济负担。通过贷款买房，他们可以将资金用于其他重要用途，同时拥有一份稳定的住所。英文翻译为：Firstly, getting a mortgage to buy a house can alleviate financial pressure. For many young people and families, buying a house with a down payment is a huge financial burden. By purchasing a house with a mortgage, they can allocate their funds for other important purposes while owning a stable place to live.

其次，贷款买房是一种长期投资。随着时间的推移，房价通常会上涨，因此贷款买房可以作为一种投资手段。通过按时偿还贷款，购房者可以积累更多的财富，并享受到房屋增值的好处。英文翻译为：Secondly, getting a mortgage to buy a house is a long-term investment. Over time, house prices usually rise, so purchasing a house with a mortgage can serve as a means of investment. By repaying the mortgage on time, home buyers can accumulate more wealth and enjoy the benefits of home appreciation.

最后，贷款买房可以提高信用记录。通过申请房贷并按时偿还贷款，购房者可以建立起良好的信用记录。这对他们未来的财务计划和投资具有重要意义。英文翻译为：Finally, getting a mortgage to buy a house can improve creditworthiness. By applying for a mortgage and repaying the loan on time, home buyers can establish a good credit record, which is important for their future financial plans and investments.