If you plan to buy an apartment in Prague (the Czech Republic), but you don't have all the money you need to do this, an excellent alternative might be a proposition from the developers which essence is payment of 5% of the value of the apartment, and all the other payments are divided for the period of 1.5 years. If desired, the remaining 95% of the real estate value can be mortgaged.
This offer is very advantageous because the value of the apartment is much lower than its market-value, and you have the opportunity to collect all the necessary money within 1.5-2 years. In the event that you are unable to meet your payment obligations, the developer can extend the payment period or assist with getting of mortgage.