In Nigeria, unfortunately there is no a robust mortgage system. Otherwise, with a proper mortgage plan one could own his or her rented house after the house rent payment for 20 years or more. If we do a little calculation on how much money we could spend on house rent over a period of 20 years. It will surprise you that that sum of money could build a complete house somewhere. But the challenge is how could we save such money once. No, you do not have to build a whole house yourself for now, if you cannot afford it. Join a group of people to buy a pieces of land and build a house on it. Then you could own a room, self-contain, flat etc in it. It is better to own your own room, than to be paying rents every year. Nobody will contest your room with you with proper documentations.