Buying housing for FC--how does it work?

[Velisra]

I'm just sick.

I look through the housing wards every time I'm in town. I happened to see a small plot available in Mist just now, and eagerly searched for it, so that I could go there and buy it. I wanted it for the FC, but I didn't have buying privs. My daughter was logging in to fix that, and someone came and bought the plot right in front of me. I'm just... wow...

I don't even want to play now.

I'm fairly new to FF, and really love the game but for this one major stain that housing is. Housing is a gate that's locked for a lot of players, yet these players are paying the same amount for a sub every month as the players that are lucky enough to have access to housing. It's disgusting SE, it really is.

That all being said, I want to be completely prepared the next time I see a plot available. Can someone tell me EXACTLY how it works to buy a plot for the FC?

When you click on the placard, are there two buttons to purchase--one for personal and one for FC?

Does the gil need to be in the FC chest or on my character?

If I ever have the chance again, I don't want to screw it up.