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The Right Way to Encourage Home Ownership

Home ownership is a privilege, not a right. It shows that you saved money for a downpayment as well as laid in enough savings to get you started on the responsibilities of owning your new home. Myself, I would like to see a savings rate that even comes close to 5% let alone anything else.
First do the savings, then calculate all the bills therefrom in buying the house then think downpayment+25% of that downpayment/year for maintenence costs etc. Then you might be on a more secure footing.