Let’s say if you have the money, is it a good idea to do a down payment of 80% for a house and only get a 20% credit? So basically just have the credit, so I can pay less tax.
Also in case credit rates start to rise significantly in the future it might be a good idea to just pay off the remaining 20% (lets assume I have the money for it). Can I do that? Would a bank agree to just accept the remaining of the 20% as a one time payment?