Not in the Netherlands, just recently the mortgage-to-value ratio went from 102% to 100%, the additional 2% could be used for notary and tax costs. When my par

Not in the Netherlands, just recently the mortgage-to-value ratio went from 102% to 100%, the additional 2% could be used for notary and tax costs. When my parents bought their first house in the 90s you were able to loan ~120% of your home value so you could finance a new kitchen or even a car.