But, even given such a distorted set of choices, many people decide not to become homeowners immediately. Many do not do so because they cannot afford to. Many others do not do so because ownership does not match their immediate needs. They are young and they do not want the burdens of homeownership and particularly not to build their own house. They are single and they want to live near to where the action is.. They have children and their rental accommodation may be crowded but they do not want to live in an un-serviced settlement distant from schools. They would like to own but they need to put their savings into a business