I recall someone mentioning once on EF that for properties of prices above 2m higher that 20% down-payments are needed.
Do you have experience with required % for 3m or 5m properties for example?
Q2:
Some properties that are not built yet require a certain amount as pre-payment and the rest once the property is inhabitable. How would you go on with securing a loan for such a property? Can a mortgage be negotiated e.g. a year in advance? Anybody did it?
Q3:
How long does it take to get the money from 2nd and 3rd pillar once you request it?