Share your insights or perspective on the financial matter presented in the input.

When is the right time to buy a car and/or a house?
Buying a house is often more emotional than financial. Which makes that kind of advice tough to offer. Staying with the finance side - You wrote "2 bedrooms is enough for me." Is it enough for your girlfriend/fiancee? Is she on the same schedule for kids as you are? 2 bedrooms means that with just one child you are less able to host a guest and the second child will need to share the bedroom. Nothing wrong with that, just making sure you are aware of these things. If the long term plan is to move to a new house, a ten year horizon for the second house sounds good to me.  I'll make one brief comment on rent vs buy - it's easy to buy too big and discover you are paying for rooms you don't use. I have a house I'll be glad to get rid of when our daughter goes off to college. A dining room and formal living room go unused save for 3 or 4 days a year. It already sounds like you'll avoid this mistake.  Your question - the right time - when you are ready, with the downpayment, income, and desire to do so. You should at least have a feeling you plan to stay there for a time, else the cost of buying/selling would exceed any potential gain.