If I didn't own today, I wouldn't buy. I would put all that stress on an owner and spend my money and time in other ways.

The prices for rent in Finland aren't cheap, so it is generally around the same price to buy if possible. Best (in my opinion) is to put some sweat equity into a fix-erupper and make some money on the smaller places.

I think the problem with many not buying is that many end up having no assets in old age and have to live off government support only, which doesn't go very far. It is starting to be a problem here now.