No one HAS to borrow money for a house or a car or anything else people borrow money for.
The ones who can afford a house buy it out right. Those who dont.... well.. they are shyt out of luck.
In many countries there is no credit system like here where you can apply for a loan and they HAVE to give it to you based on "fair lending" practices. Unless you have collateral.
Most people here buy huge homes because a bank "facilitates" the transaction but paying for the house and letting you pay for it monthly at a cost.
Still waiting on you to respond to this post @Gator Reloaded
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