Living in a cold country means that you've got to have proper insulation for your house. Otherwise the home dwellers will suffer during winter and they'll have to pay so much money to heat up their houses. Yikes! Nobody wants to pay more!
For years and years, houses in Europe have been using double Precast Concrete walls for this purpose. This type of wall is strong, safe, and durable. Another benefit of using precast concrete is the fact that you can save more money than using poured concrete on the site of construction. Marvelous, isn't it?
If you're thinking of building a house somewhere in America, maybe you should check out Jensen Precast that manufactures precast concrete products, including residential and commercial Precast Concrete Septic Tanks, dry/wet wells, bunker silos, etc. They've been in this business since 1968, so they have more than enough experience already. After all, you want the best for your house, don't you?