Loans are often needed to pay big investments or luxurious goods. But very often they are also used to purchase an own house or apartment. Investing in real estates is in many countries a common step for many persons, as it is seen as a safety net for the future. Whenever someone is asking for a loan, the bank asks for some warranties and one of them can be also the house that is acquired. This is called mortgage and helps the bank to reduce the risk of loosing money if the loan cannot be paid off.
Real estates are a big dream for many individuals as it gives the opportunity to own a house and construct it according to the very personal preferences. The fact that it is often needed to accept having some debts, is not always negative and as long as someone is able to pay the interests, it is not of concern.