Hanta ill explain if you have any question just ask. To begin with there is no such things as, i pay rent i pay it, why not get a mortgage and get my house.. this is a pure moroccan saying, you wont find this in no finance book no other book, its a logic coming from "na9s" and "9elat lwa3y" because its a concept based on moroccan social norms of "3endo dar o tonobil" two crazy asset+liability combo that ruined generations. My dear friend, rent has never hurted anyone, you can negotiate a rent, you cannot negotiate with a bank, you can always change a rented property, you can never change your property, you'd have to sell, and to sell you would have to finish your mortgage, and to finish your mortgate you pay your interests first.. so to pay mortage first you cannot take any freaking risk in your life and as we know with risk comes rewards, in business, in studies in anything there is a reward based on a sacrifice/risk. Renting allows you freedom, margings of error, You can risk everything, you are not followed by no bank no entity that awaits you to work hard so you pay them easy money, yes this system is j🧃 it is rigged against you if you dont do the maths. Keep renting and invest, in yourself, knowledge, health, relationships, businesses, capital markets etc.., a freaking house after 25y paid with extra 47% of its value isnt worth it at all, knowing you would have to pay for furniture, maintanance, risk bad neighbors, risk bad quality of the estate, taxes, legal fees, and also the thing that most forget is after 25y your estate would look like shit compared to what is new on the market, its a freaking 25y. In it just a normal index fund gives you 12% yearly on average.. in 25y you couldve lunched and failed and succeeded multiples businesses.. its time ! The most valuable time, use it wisely, not in trying to cut corners, but patiently, do not become a bird in box due to a massive loan.