Well, given that the interest rates are negative, it's kind of hard to tell if 5% downpayment is better than 40% downpayment.. Afaik, the norm is 20% down, but

Well, given that the interest rates are negative, it's kind of hard to tell if 5% downpayment is better than 40% downpayment.. Afaik, the norm is 20% down, but the banks will loan you another 15% at a higher rate if you want that.