40% of Scots who are not already on the property ladder do not believe they will ever be able to buy their own house.
However, only 14% said they were "concerned" about the prospect of never being a homeowner, according to a report from Bank of Scotland.
While 40% believed they will never own their home, 26% were more optimistic about being able to buy.
The remaining 26% said they did not know if they will ever own property.
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