As of January 1, 2020, the loan-to-value ratios will in principle be limited to 90%. In other words, you will need to finance the remaining 10%, as well as the registration fees for the purchase and for the loan.
Many exceptions to this 90% threshold have been provided:
For young households buying a home for the first time: 35% of the loans granted by a lending institution may exceed the 90% loan-to-value ratio and 5% may exceed the 100% ratio.
For those buying a property for the second time: 20% of the loans granted may exceed the 90% loan-to-value ratio, but it can never be higher than 100%.
For rental investments: the maximum loan-to-value ratio is set at 80%, but it can go up to 90% in 10% of the loans granted.