Renting a compartment is not in bad sense, especially when the capital is insufficient.
I also rent instead of purchasing a flat. Renting is more flexible. When the flat is old, simply rent another newer one, no need to shoulder the maintence fee. When the income is decreasing, simply rent a cheaper one. Mortage is really a heavy burden to many familes and it usually keep increasing. So if you cannot afford 30 percent deposit, renting a flat may be better. The increasing interest rate shall also be taken into consideration.
Money is one of the important factors that we need to consider before having a baby, but it is the whole.