A fixed percentage does not mean a fixed euro target. When property prices rise, the required deposit can grow while the buyer is still saving.
OUR METHODSources → assumptions → European context → verdict
Model the moving target
Project monthly saving, interest on cash, plausible property-price changes and purchase costs. Recalculate at least twice a year.
Separate deposit from readiness
A buyer also needs closing costs, emergency reserves and an affordable mortgage under stressed rates.
Use the strategic alternatives
Consider a smaller property, different location, approved housing support, co-buying with legal protection or continuing to rent while investing.
Educational illustration only—not personal financial, tax or investment advice. Tax, salary, broker and market figures change; verify current local information before acting.