(Which is incidentally approximately free if you have access to capital, since your returns from airbnbing the right property, net of management costs, will exc

(Which is incidentally approximately free if you have access to capital, since your returns from airbnbing the right property, net of management costs, will exceed the mortgage. There's risk, obviously, that the rental market could change or real estate value could drop, but it's a pretty good deal. Each EUR 350-500k includes spouse and dependents, so it's up to 6 people. Very popular with people from China right now.)