Ugh....why do people do that? When we were living with my in-laws, we had been to every single bank and mortgage company in Arnhem and had basically been told my husband didn't make enough to get a mortgage. So we started looking to rent and my in-laws had never owned a house, so they had no clue how mortgages work. They kept insisting we had to BUY a home, because if you rented, it was a waste of money...we would never own it. We tried explaining to them that you couldn't BUY if you couldn't get approved, and we couldn't, but they just didn't understand. So they went out walking, saw a house 2 blocks from where they were living (Free...it was part of my FIL's job as concierge at the school that he live on the property) and they came home and were suddenly engrossed in something on the computer....neither of them were EVER on the computer, so I asked what was so interesting. "NOTHING!" Then my husband came home, and they waited until I left the room, and called my husband over to "look at the house they found for us to buy". Which was about 400,000 Euros, when the MOST we could get according to the banks was 105,000, and then you were looking at one bedroom flats in bad parts of town, not homes where we could finally start a family.

They went to great trouble to keep it from me, because they knew I "wouldn't want to buy it". They didn't see any need for me to be involved in the picking of my own home or the decision to rent or to buy. I still don't think they understand how mortgages work. They think you pick out the house you want to buy, go to the bank and ask for a loan to buy it and that's it. They don't understand that everything is calculated on how much you make, how likely it is you will keep making at LEAST that amount, etc.