>If it's so easy, do it yourself then?

A decent apartment here costs the equivalent of 20 times the average income. you need to have roughly 25% of the cost for a mortgage to be granted, according to local regulation, which would be 5 times your yearly salary. Try to save that considering that just renting (while you save) will easily take 50-60% of your income.

Even those who can do it will only achieve it after more than a decade of paying through the nose.

> A decent apartment here costs the equivalent of 20 times the average income

And there will be places where that will not be true

The people who rent it after its built, duh?

Not everyone can buy property because not everyone is sitting on unallocated capital.

Housing cooperatives are a thing, most people don't seem very interested, but if you are, you can certainly get some other like-minded individuals together and start one!

> unallocated capital.

i imagine one day when you have " unallocated capital. " this will be a distant embarassing memory for you