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You can get a bank loan if you cannot afford to pay. Some banks accord loans to start a new project if you convince them it is working even the website development cost of your company for example, because it becomes crucial nowadays.I am not a professional web designer but I have some knowledge of web design and development. I like to build my own site so I can have knowledge and experience that I can sell as a service. Hiring a designer will save time if you can afford to pay and they may have more knowledge and experience and they may design the site better than you.