Just make sure to figure out which type of house and what location best suits your playstyle. It might also be worth waiting for one of the currently sold-out areas to have a spot open up or new areas open.
Glitch Strategy just did an article comparing the different types of housing.
Actually there's no need for either. I don't exactly remember how I did it, but I have a house, use the subways and don't have any of the Bureaucratic skills.
You have to get "Your Card-Carrying qualification" from the Bureaucratic Hall, no skills needed. Afterwards you can simply buy "Your Papers" from the Auctions or ask a friend with Bureaucratic Arts 1 or higher to get some for you. "Your Papers" cost 100 currants at the hall and can be regotten at the hall over and over, they just don't do anything after the first time you used them.
You can also do learn the first level of Bureaucratic Arts and get "Your Papers" on your own.