>If it's so easy, do it yourself then? A decent apartment here costs the equivalent of 20 times the average income. you need to have roughly 25% of the cost fo

>If it's so easy, do it yourself then? A decent apartment here costs the equivalent of 20 times the average income. you need to have roughly 25% of the cost for a mortgage to be granted, according to local regulation, which would be 5 times your yearly salary. Try to save that considering that just renting (while you save) will easily take 50-60% of your income. Even those who can do it will only achieve it after more than a decade of paying through the nose.