Romania is quite terrible in that aspect. A program called “First House” has been running since 2009, giving loans with variable interest rate, 5% downpayment for 30 years with rates that can go up to 45% of their monthly income. They are guaranteed by the state.

This keeps the estate market propped up and hurts people’s mobility. It’s the main way banks get to make risk-free money off the population in a country that has the biggest GDP growth in Europe based mainly on consumption.