If interest is haram, how can a Muslim get a house or a car in modern times?

If interest is haram, how can a Muslim get a house or a car in modern times? The prices these days are so inflated it is impossible for regular people like myself to afford the so-called basic necessities. Getting a house without a mortgage is impossible, unless you are really rich. Getting a new car without a loan is the same. Renting is not an option as that sidesteps the issue at hand, which is whether the modern Muslim is not a good fit for the credit economy. Maybe it is not haram but maybe it is makruh, it does not matter. What matters is that it is not ideal.