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Every bank will bend over backwards to lend to you, if you can come up with the downpayment, which is usually 30% on older flats. (Not sure if now is the right time to buy from an investment perspective)
Usual strategy is to get pre-approved by the bank that has your payroll / main banking accounts and then start hunting for a flat. Once you've found the flat, use the pre-approved mortgage to shop around for better rates / terms and condtions.
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