I'm in Switzerland, prices are artificialy higher as everybody has a loamn with 0.5-1.5% interest, strong tax deduction due to the debt and you are never required to reimburst it fully, even when retired so if you decide to fuck banks and buy cash, you will have a huge disadvantage compare to others who play this shitty game.
So unless you are in the top 1% wealthiest in the country (worth almost 7MUSD or more) and you don't care about losing some opportunity gain, then you will not buy without loan. And I feel that it's sick 🤮.