Minimum and recommended down payment for housing loans

The law in Poland requires a 20% down payment (or 10% with more expensive low down payment insurance). The more of your own cash you have, the better conditions and lower margin the bank gives. Cash is king in real estate. By optimizing your purchase—bypassing the 2-3% brokerage tribute and trading directly with the developer or private individual—you keep a massive amount in your wallet, which you can immediately add to your down payment, lowering the final loan costs.