You probably dont pay mortgage then or have built some wealth. My friend is 2-3y in Denmark paying 500k mortgage on 100k income and life is very expensive and definitely not pleasant there.
As a foreigner, banks would’ve been very reticent about giving him a bank loan, and he would’ve had to down-pay at least 20% of his mortgage.
In other words: I find your friend’s case extremely unlikely and probably made up.
FYI: most people’s expenses go _down_ by buying in Denmark. The interest rates are stupidly low, in some cases even negative, you can pause principal reimbursement for 10 years, and your tax rate goes down.
I find your remarks incredibly entitled and shortsighted most like coming from the need to defend your home country.
In France you can borrow with a 5-15% down payment. In Denmark, as a Dane, you can easily get a mortgage with a 5-10% down payment. As a foreigner, it’s almost impossible to get with less than 20%. I’m being asked for 30% by my bank (because of the fact I own my own company).
It’s one of the things I absolutely despise about Denmark.
I apologise if I’ve come across as entitled—not quite sure how, however you’re right that this is a topic I feel strongly about.