Lump sum in Belgium. You might be able to get away with tacking it on to the mortgage, but only if you have additional collateral (another home, rich parents, whatever). Or maybe if it's a really cheap house.

Not sure how Belgiums works, but Australias stamp duty is a lump sum you pay alongside your deposit when buying the property.

Correction: I double checked and it looks like it can be added to your mortgage, which isn't as bad up front.