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Hi Claudio,
In my opinion, if you have enough cash to pay for an apartment i would invest a part of that money for a extra stream of income and consider taking a loan. However since you are here on saifedean asking the question…. Why not dollar cost average like half of that currency in Bitcoin? And be patient for a few more years! If you hae a steady job and a steady stream of income now, why settle for 1 apartment?