Simply

Put simply

If you really want to have your own house, you have to challenge.

Challenge is 

"You just do bank examination"

If you will challenge,

6 month later

12 month later

If you will think only

<you do nothing>,

6 month and 12 month later

Your situation dose not change.

So it is better to challenge, not to do so.

Challenge is

"You just do bank examination"

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