Am I crazy for not buying property yet?

hi, moved back to Finland recently. I make around 60k/annum and everyone seems to be bugging me about getting on the property ladder. I have about 30k saved up at the moment certainly enough for a down payment. But it just seems like such a huge commitment also I don't like the idea of having debt. I would still be a first home buyer so I get the bonus thing, but doesnt it make sense to just put the extra income into appreciating assets like indexes instead of paying down a mortgage? Am I being unreasonable here? Does anyone have any similar experiences or opinions on this matter?