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[–] 11 points 3 months ago (2 children)

what, where?? Around here in Germany like 20-40% seems to be the norm, although if you want a really good rate you're advised to shoot for 50%. Sure, 0% credits do exist, but those have such predatory rates that they're basically financial suicide.

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  • [–] 4 points 3 months ago (1 child)

    I just saw a "financial advice" YouTube short that recommended 3.5% down payment and investing the rest in the stock market, assuming that the returns will exceed mortgage interest payments and fees. It's a risky approach, but the rates aren't necessarily predatory in the USA - instead they make you buy insurance (PMI) for if you default, which adds to your payments

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