Is there an alternative to a mortgage?

In the world, only a quarter of the population has its own housing. The remaining rent and silently envy. This, of course, an alternative to mortgages, but some frivolous - not to roam "the same age in rented apartments! A good substitute for a mortgage may be the construction of his house. The main thing on a piece of land to accumulate. And then you can not hurry and act depending on salary. Accumulated - dug the foundation, yet accumulated - navezli materials. So you see, and we are ready "mansion." And no credit, with interest not need a cooperative variant A convenient method of home purchase is the membership of the housing co-operative (HBC). Do you have a small portion of the money remaining for a small percentage adds this organization. After that is purchased apartment, which is owned in full upon return of the loan HBC. Become a member of the cooperative is much easier than getting a mortgage. Minimum conditions are: the age of 16 years and have a passport. Income is not required to confirm.