Natural fabrics, leather, fur or its imitations are used for production of sofas, armchairs, rugs, bedspreads or curtains, which are very important parts of every household.To make an establishment even more delightful, people adorn their habitations by different pictures, paintings, flowers or ornaments from their holidays and foreign journeys.But as everything, living in houses and flats has its pros and cons too.While you have more space and privacy in a house, in a flat you don´t have to clean such a big surface. Though,it is true that walls in a flat are almost as thin as a paper, so your neighbours are able to hear nearly every movement in your flat.A house usually has to be built further from city centre, in a contrary to flat, what can be less advantageous.On the other hand, children living in a house are more likely to have bigger and more salubrious outdoor space with lots of green around them. But what is a big advantage of a flat is its preference thanks to less financial expenses.Nowadays, there´s a lot of choices if we want to own our private property. The biggest problem about getting a real estate though, is the money. In Slovakia it seems impossible for people with an average income to save enough and gain a house of their dreams by spending just their own financial sources. That´s why almost of all them either arrange a building saving or, in most cases, take out a loan from a bank, obtain a mortgage or join together more of these possibilities. However, banks have their own rules to lend money at interest. Not only ask they a confirmation of the hight of your income, you need, in some cases, a surety as-well.In addition, there´s also a large number of financial companies on a market offering saving linked with a possibility of taking a real-estate credit.In order to be independent and live on your own, you have got a second alternative, though. To rent a house or a flat and to pay monthly just a small amount of money, called a rent, is likely more cheaper and the most accesible business. Yet, you would also have to pay to an owner or a landlord, in a case of public housing, a deposit so that all kind of repairs could be done and paid for.Besides, there´s another chance to get your „home“. An inheritance of a property or money from your dead relatives helps you to either rebuild, renovate or buy completely new house or flat.Current housing policy, here in Slovakia, is unfortunately rather poor. State of housing shortage has been existing here for ages. You don´t , with the biggest probability, get a flat unless you register to a list of persons concerned about getting a real estate and have a luck in a drawing loss.Lastly, let me say little about my idea of a house. Although I haven´t had a particular vision of my house from the inside yet, it has to be located in a quiet and good environment and has to have a large garden.