The 20% is not a required downpayment in cash, but you have to finance it using normal bank loans. The (sellers) estate agent normally takes care of the comple

The 20% is not a required downpayment in cash, but you have to finance it using normal bank loans. The (sellers) estate agent normally takes care of the complete loan taking, so the buyer just has to provide proof of income for the last 3 months and sign the papers. The rest is taken care of without the buyer needing to do anything himself. (There's no buyers agent in Denmark).