In addition to the need for a hefty down payment, buying a home prior to WWII was challenging because

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Before World War II, the structure of home loans was vastly different from today. Borrowers were often required to repay their loans within a much shorter timeframe, typically around five years, rather than the 15 to 30 years that has become standard. This made buying a home much more challenging, as the shorter repayment period resulted in significantly higher monthly payments that many potential homeowners could not afford.

In Addition to the Need for a Hefty Down Payment