Any schemes to help new players onto the property ladder?

[Musashidon]

join a fc with a house.

[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?

[AskaRay]

I know on my server, when I bought my house, they had:
-Just added more plots about a few days after I joined
-Small server so not all the plots were taken immediately by other people on Day One
-Took me almost a month total to save up the 1 million gil needed for the plot alone
-Reached that mostly right after I hit 50, due to inflated prices of Materia IVs on the MB. (The ones you get in the MSQ? Sold them right away).

Not sure what the plots are now in small servers, but like me.... you may just have to be incredibly lucky with everything in your favor.

But they did mention apartment type housing for a later patch.

[Krindor]

I challenge you to find a single patch that has been on time with the original projections since Yoshida took over, in 2011. You won't find one. There has never been one that hasn't been delayed at least twice. They're usually three+ times, but there have been a couple instances where it was only two times. Since HW came out, our 3.X patches have been significantly slower, as well. Do not expect it in less than half a year, likely quite a bit longer than that.

Heavensward (3.0): June 23, 2015
Patch 3.1: November 9, 2015

139 days between 3.0 and 3.1, which is pushing 5 months... Or roughly 20 weeks.

They already mentioned the delay of 3.1 due to the people working on it needing to take a vacation and they said that they were going back to the same schedule as they had in ARR. Unless they aren't going to keep their promise we can expect 3.3 to be out in about 5-6 months.

[Granyala]

Imho housing is idiotic because it will chain you to a sustained subscription.

Want to freeze your account for a few months because no content -> poof house gone (unless you have a friend you give access so he can keep the property "alive" by entering every 30 days).

Imho an expensive accomplishment like that should NEVER just be taken from a player. As long as this system is in place, I won't bother with a house.

[Valenth]

Want to freeze your account for a few months because no content -> poof house gone (unless you have a friend you give access so he can keep the property "alive" by entering every 30 days).

Nope, tenants can't keep housing alive, only the original owner as seen in 3.1 patchnotes: http://eu.finalfantasyxiv.com/lodest...23d123/#system

"Estates Subject to Demolishing
...
Private housing that has not been accessed by the owner within forty-five days"

[Granyala]

well that's just epic facepalm worthy.

[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".