, there is nothing to envy young people who want to get their own home. It\’s not easy for them. There are exceptions, of course, if they have a lot of financial support from their parents, for example.
We all know that housing today is very expensive. Especially in the big cities. But even in small towns or villages, housing is not much cheaper. Getting your own apartment or house without debt is a dream come true.
Living in the city certainly has many advantages. Especially if you don\’t have to commute 2-3 hours a day. So if the accessibility is good in that regard, you\’re even set.
Livingin cities is convenient especially for the younger generation. Even if the city is “expensive”, there is a lot of cultural and sporting opportunities, public transport makes it easy to get to shops, school, kindergarten, doctor, etc. Every city has its beautiful places with greenery and peace.
The big disadvantage is definitely the high rents and the high costs involved in living, such as the price of water and sewage, the price of waste services, etc. That is why many people may want to live in their own apartment or have their own house. It is normal to want to live decently and on a level.
Young families, or even individuals, can afford to have a mortgage for a home at around 30 years of age. Even later. In the meantime, they live as much as they can. With their parents, in a sublet, housing that doesn\’t suit them. But if they want their own place, they save. Because to get a mortgage today, you need to have saved at least 20% of the value of the property you\’re buying. If someone\’s parents or family help them financially, they can get their dream home sooner.
Nowadays, it is also possible to buy a home that is not that expensive. But mostly it\’s out of town. If you have the option of land with a building permit, or on your parents\’ land, you can get a mobile home that won\’t be as expensive as a conventional building, but you will have your desired privacy and comfort.
There are many families and individuals where their income is far below average. And because rental housing is expensive, it is worth applying for a housing allowance. There is no need to be ashamed. The Ministry of Labour and Social Affairs (MPSP) website details what you will need to make this application. And there\’s a calculator to work out how much you could get. Just remember that both income and expenses must be documented for the last 3 months.
