Mortgage loan abroad

[Jér Ma]

Hey!

Quick presentation, I am 26, got a new job and will need to move to Switzerland. I will be paid 85k CHF net (95.5k$). I plan to invest nearly 4000CHF per month into ETFs. I currently have no debt.

As you might know, real estate in Switzerland is quite costy and I also feel like it is not a good idea for now (taxes).

I was thinking of playing it "high risk, high rewards", by those, I mainly mean eastern European countries such as Romania, Bulgaria, Poland and as a second idea, Latvia, Lithuania, Estonia, even though they are next to some bully, they are in NATO, so should be ok, I guess.

I know some of those countries do not allow foreigners to get a mortgage loan (Lithuania at least) and some countries have high interest rate (Romania, 7%).

Here are my two questions:

Does anyone have experience with those countries? How did it go, from the moment you searched for a property to when you got your first tenant? Please, go into details!

Do you know any way to get the best morgage loan possible? The ideal scenario would be to borrow it from my swiss bank for 100% (+taxes) of the operation, but I HIGHLY doubt it is possible.

Thank you and have a good day.