The problem with a percentage-based down payment is that wages do not keep up with the housing market. In my country, the price of real estate appreciated by 2

The problem with a percentage-based down payment is that wages do not keep up with the housing market. In my country, the price of real estate appreciated by 20% in a single year. Wages are likely negative given the high inflation. On a longer time period of 25 years, houses have tripled in price, yet wages have not. So whilst the percentage stays the same, the absolute value of the down payment grows out of control and is no longer affordable.