We are talking about living right in the centre of Amsterdam. No one is stopping you from buying something with a much lower deposit at a cycling distance from the city centre or a much smaller deposit with a 30 minutes public transport commute for 2 years so you can then afford to live in one of the most desirable areas of a main city with a sizeable tourist industry.

That’s 2 years saving to then live where you want and then an extra 2 years to live where you want in the apartment that you want which is oversized for a single person.

Why do you need a 3 bed as a single person and what’s your ideal scenario? Do you want to be able to afford a house without a deposit, is that it?