If you don't have the money to buy, you have to pay rent, but if you have even the slightest chance, it has never made sense to me to rent something instead of buying it because at the end of the day you don't earn anything.

But you can be unemployed for a certain period of time and not be able to pay this money, or you can earn a lot more and pay off the loan in a much shorter period of time, so you have to be ready for any eventuality.

When you are too old to work, you will have paid tons of rent but you will not own anything, so what will you do then? This is not advice, but I would take the risk of taking a loan and buying a house.

The good thing is that this debt can encourage you to earn more and eventually you will own a house, the bad thing is that if you are unemployed for a while and you can't pay this debt because of an unexpected expense, then you have no choice but to sell the house back and start earning again.

I hope this has been helpful. I wish you a great house and so much money that you don't have to think about it for the rest of your life.