Do the 10 commandments forbid desire? The bible passages

Exodus 20:17


  You shall not covet your neighbor’s house. You shall not covet your neighbor’s wife, or his male or female servant, his ox or donkey, or anything that belongs to your neighbor.


and

Deuteronomy 5:21


  You shall not covet your neighbor’s wife. You shall not set your desire on your neighbor’s house or land, his male or female servant, his ox or donkey, or anything that belongs to your neighbor. 


both talk about covet/desire. Also, every version of the ten commandments (at least the ones I came across) forbid in some sense the desire of your neighbor's property and/or wife.

In this context, is the desire forbidden or just acting upon the desire?
I think your answers lays in the New Testament where Jesus explained how "10 commandments" work in practical use and not just in theory (also today's problem, not just Pharisees in Jesus's time) - Sermon on the Mount. 

Matthew 5:27-30 NIV
Adultery


  27 “You have heard that it was said, ‘You shall not commit adultery.’
  28 But I tell you that anyone who looks at a woman lustfully has already committed adultery with her in his heart.  


Isn't looking at somebody lustfully a desire? For me it is.
Sin happens in our hearts/mind and we are already guilty of it, even if we didnt "act", but we acted in our hearts and our Creator knows our heart.   

That is why: 


  29 If your right eye causes you to stumble, gouge it out and throw it away. It is better for you to lose one part of your body than for your whole body to be thrown into hell.
  30 And if your right hand causes you to stumble, cut it off and throw it away. It is better for you to lose one part of your body than for your whole body to go into hell.


That is why sanctification and purification is needed daily so our mind and heart are clean of sinful thoughts. 

Hope this can help brother.