Any schemes to help new players onto the property ladder?

[Meirii]

Cheapest is almost 15 million on my server brother

[DarkChild]

Cheapest is almost 15 million on my server brother

Good lord! *faints*

Could I put down 10% as a deposit and pay the rest over a period of time?
No help to buy schemes?

[Aethaeryn]

Good lord! *faints*

Could I put down 10% as a deposit and pay the rest over a period of time?
No help to buy schemes?

Nope. There's only like 1440 houses per server, so there would not have been much point for some sort of loan/mortgage system. Your best bet is probably just joining a Free Company with a house and spending 300k on a private room, or waiting for them to add the apartment thing sometime over the next year.

[DarkChild]

Nope. There's only like 1440 houses per server, so there would not have been much point for some sort of loan/mortgage system. Your best bet is probably just joining a Free Company with a house and spending 300k on a private room, or waiting for them to add the apartment thing sometime over the next year.

They should add more houses then. Otherwise this room thing with an FC is just like renting a room from a landlord in real life. And how are people losing their homes if they've been paid for in full? I don't understand.

[Granyala]

They should add more houses then. Otherwise this room thing with an FC is just like renting a room from a landlord in real life. And how are people losing their homes if they've been paid for in full? I don't understand.

Unless they are upgrading their 486 DX4 servers, I wouldn't count on it.
I don't think SEs server capacities are comparable to Blizzards and even they struggled with "Garrison for Everyone".

[Gemma]

And how are people losing their homes if they've been paid for in full? I don't understand.

Housing in this game works like this:
You can buy a plot of land, then you have to purchase a "permit" from an NPC to be able to build the house.
Then you have to either make or purchase from other players all your decorations & housing exteriors. Roof, walls, carpet, chairs, beds, etc...
Depending on your server the price for housing varies, but someone in here nicely linked you the lists of pricing so I suggest checking that as well.

Then once all is said & done, if you don't utilize your Estate for 45 days you will lose your house & an NPC will have all of your housing decorations (that don't get destroyed when you take it down) & give you back some of the money that you spent actually purchasing the plot of land. You will get notifications from SE periodically before it actually gets taken away in the form of emails tied to your SE account.

So prices might be affordable for you not sure what it is on your server, but you will still need millions of Gil regardless.
Can't really tell you if it's worth it cause everyone's interests are different, I like mine personally if that's helpful lol.
But my advice, like others have stated, is to just join an FC with a house and purchase an FC room for 300k.
Its a decent sized room that you can decorate & depending on the FC's permissions you will have access to their Garden, Storage, Chocobo Stables, & Airship.