The first serious deal in my life. Couple of my buddies have decided to take a mortgage. Both of them weren't born in Moscow like me. We became a friends when we had meet at university. We used to lived in student residential together and devided a common room. Guys found high-rise flats in silent residential area. It takes no more 30 min to the city centre by train.They found difficult to make a renovation themselves so I offered my help. Now I'm renting a comfortable room but there are neighbours in the next one. This is a serious disadvantage. After a few conversations with Mom we wanted to buy an aparment in the next house which is being built now. I'll have to get into debts obviously I won't able to pay all money back soon. It's long way to make payments every month during 25 years. It's scares me a bit however I plan to clear my debts faster! It's only important to be able to keep my job and I'm going to supplement my income by getting some part-time work. I hope it's a reasonably price and good interest rate. Also our downpayment is slightly more. If my Mom didn't help I would not dream about it until I raised enough money. Actually I have no choice and time to put this opportunity off because prices constantly goes up and now is the best job for taking a loan in a bank. Eventually I spent a big money for renting for the last 9 months. That's why my guys decided to pay for own place. Anyways I'm a man and I need to have a place for my future family although I'm just 26 and I have never been abroad yet. It's impossible being sure that everything will be okay. It makes me happy and sad at the same time.