A FC member wanted to buy a house, but she had barely saved up a million and a half gil when I saw one for sale in shouts. I loaned her three and half million gil to cover the rest. We joked about her "morrtgage" and she called me the Iron Bank of Mest. She managed to pay it off fairly quickly, in about a month or so.

The other two FC friends I know are interested in houses have saved up at least ten million gil at this point and they're chomping at the bit for new wards. (I got fantastically lucky with my plot and got it for four million as a raw server sale a month ago. Someone transferred servers, I think, without realizing they were the FC leader.)

Housing will be adjusted based on the total gil on each server, which has changed a LOT since housing initially was released. My FC bought our first small house for a mere 1.6 million gil, which was a stretch for us at the time. Six months later we were able to cough up 30 million for the mansion much more easily.