The share of the property price you pay out of pocket at signing. Banks require a minimum of 10%, the sweet spot sits at 20-30%, and a larger enganche earns you a lower rate — paying 30% instead of 10% can shave half a point off your mortgage rate.
The share of the property price you pay out of pocket at signing. Banks require a minimum of 10%, the sweet spot sits at 20-30%, and a larger enganche earns you a lower rate — paying 30% instead of 10% can shave half a point off your mortgage rate.