What’s happen if the market went down and I sold it after 5-10 years for a 25% loss? In that case I’d be more or less breaking even, since the money I spent was

What’s happen if the market went down and I sold it after 5-10 years for a 25% loss? In that case I’d be more or less breaking even, since the money I spent was spent on an investment (an unfortunate one), but not entirely lost as if I had just rented a place. Eh? In that scenario a buyer is MUCH worse off than a renter. Depending on the variables (interest rate etc) you'd lose your down-payment, all the payments you made so far and still be five figures in the hole. And in Spain, the bank will go after your other assets to make up for their lost money, unlike in some US states where you can just walk away.