Putting off house buying

Do you know that I have been putting off the idea of getting a house until I am 35 years of age? The big sum and the long period of payment really scare me off. It was not until my mid thirties that I have to get one irregardless the heavy financial burden it inflicted on me. It is simply worth your money as house usually appreciates in values. As I am way behind time, I put in a very big amount as a down payment and go for the maximum installments that I can afford.When financial crisis strike, I am finding it very difficult to pay off my monthly installment.

What do you recommend me to do?

You say you opted for maximum installments that you could afford. Does this mean you also have the option of reducing to minimum payments if you're in a credit crisis?

Drop your payments back a touch until you can catch back up again.

Who says you have to own a house no matter what? Really look at the financial burden and see if it is worth it. A roof over our head is what counts not whether we own it or not. As far as we know we only have one life. When we die we don't take any material goods with us. Giving yourself unnecessary financial stress is not worth it. If you are in mortgage stress you must talk to the lender as soon as possible. They may have a solution that serves you both.

Yes I would look to see if you can lower the payments.  So you bought a house but waited until you were in your Mid 30's- that is what I'm getting from your question.

I would check to see if the payment can be lowered- if not- refinancing is always an option. A lot of times the payments are lower this way.