Now there is such a situation that it is quite difficult to buy hous independently. At the simple person of money simply does not suffice for habitation with good conditions.
I will tell you even more - a young family, will not always have money, even for the purchase of flat with poor conditions, except in a village where there is no work.
This is now a reality, the money is still mostly kept in banks. And richer are only those who have a lot of money. After all, money makes money. And people have to take not advantageous loans and mortgages ...
As far as I know the situation with loans for the purchase of home: mostly the children of those people who have taken a loan - will pay the same loan. So very scary to live ...