The average rent for a one-bedroom apartment is between €300 and €400 at best; thus, I was thinking that taking a loan is as costly as paying rent per month, but after 15-20 years, you end up with a house. My main concerns are the following: First, if you're in a long-term relationship like myself, you can never be 100% sure that you'll be with that person in 20 or 30 years from now, which might prevent you from opting for a loan. Secondly, you need to be certain that the location or city of the property to be bought is convenient for future job offers and so on. Thirdly, because a loan is a many-year commitment, there's no guarantee that you'll be able to afford the monthly payment 15 years from now.
Mathematical calculations like that, friend, why not take out a loan to buy a place to live instead of having to spend money every month to pay rent. Isn't that what always crosses your mind?
If you want to take out a loan, what is the collateral? lenders (banks or other lending institutions will not simply disburse money without collateral). Borrowing money from moneylenders is not a good idea, especially in large amounts. It's like killing yourself because besides having to pay monthly installments, the interest is very high.
Wanting to have a private residence is a good idea, you should start from now by setting aside some money from your monthly income. Your concern about the three points above will increasingly make you trapped in a situation, you have to take a stand. As a man, you have an important role to play in providing a decent life for your spouse and children. Keep going, then take a stand after getting the best decision.
if we have settled in an area and have a job in that place too, then it would be better to have our own place to live, so we don't pay monthly or yearly rent, which of course feels like wasting money. but if our jobs change, of course it will be more practical to rent, especially if it is an installment loan, of course it is less practical, where the installments have not been completed, but we move work assignments elsewhere. so I think it depends on the situation and conditions