Buy with a mortgage, but you can only get a mortgage with a permanent contract or with an employer's statement that he will give you a permanent contract if conditions (economy, personal situation, etc.) stay the same or a combination of both. If not, you're basically screwed if you don't have a lot of savings money and want to buy. In fact, the whole housing market is fucked up atm; prices are sky high, about 10% of the price you have to pay for yourself (for which you can't get a loan or mortgage, so with €180.000, which is the average price for a simple appartment for example, you will need about €18.000 savings moneyVOL-E wrote:Cool! Your like rent houses in Netherlands or buy them ? Just curious about your pay system
) and there's loooooots of competition, so overpricing is very common. There's a huuuuge shortage on housing. We had to overbid €12.500 as well, but luckily my current appartment is going to have a lot of overprice as well. I will get about €40.000 more than what I had paid for it four years ago, so I can use a lot from that money to pay for this new house. With the 10% I have to pay and €12.500 overprice I will still have €10.000 to put in the new house for reconstruction or to pay off a small bit of the mortgage. It's not allowed to put it in your savings account as you will get in trouble with tax services.Some people however choose to only rent as it does have some advantages compared to buying a house, like you pretty much leave whenever you want with only one month notice period, when something is broken your landlord is supposed to fix it, the government has subsidies when your wage is too low so you can more easily pay your rent and rising or decreasing house prices or not one's concern.
There are pros and cons of course, but I prefer to have something completely of my own and can do pretty much whatever I want with it, hence why I bought
Plus after thirty years, the normal duration of a mortgage, the house will be my own. On the other hand, I am fucked when we are forced to leave and sell - for whatever reason - when house prices drop again; it's sooooo much more expensive than what it is actually worth 
But our intention is to stay here the rest of our lives, so then obviously it doesn't matter.
Here, at the boarder btw Switzerland & France (on the french side, less expensive), i paid 300K for an apartment with 2 bedrooms, 75m2 and 2 parking spaces 
But, are your wages not higher then either? Here a teacher's salary is around €2500-2600 for example (depends on the level of education and your own experience, but still...)
