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On the other hand you can sell your flat for a higher price in the future.

I would be cautious making assumptions like that. Interests rate have been very low, at times negative even, for a long time.

I agree. My biggest fear is that on the next crash we are left with a massive debt and a property worth less than we payed.

Right. I forgot that they have to pay (hopefully) 4% interest for the next 25 years. That's an insane amount of money for a flat.