I have had a conversation with them yesterday, as I am on the final stages of taking out their mortgage. Hopefully I will pass the second stage of analysis They have told me that if you pledge your 3a Viac and continue to amortise through it they would count 100% of pledged money even if you have 100 Global strategy. That is some insane conditions I must admit.
On the other side of the coin which I can already inform you. Wir was by far the most conservative bank with the apartment value estimation out of all I have contacted (Around 8 in total) They are basically asking for about 28% in equity + 5% notary fee, so 33% in cash upfront.