<prompt> Human: We are planning to buy our first property, and even though we only had my income of 30K during 4 years we have managed to save up to 30k or so for our down payment, which is about 10 of the value of the condo we want.As the idiot I was and am I had it on my checking account, so it didn t grow over this four years, but that is a different story. I changed my job and I am making more now, so we may qualify for a mortgage, I have excellent credit history so that should not be a problem. We are talking to a financial advisor that tells us it is better to take a personal loan and invest what we have saved instead, according to him, we will make more with the interest of the investment than what we would have to pay of interest for the loan sorry if it is getting confusing, he crunched the numbers with us and we saw that it actually wasnt such a crazy idea, basically if we invest and have 9 of earnings a year and pay a personal loan of 4 we would be making more in the long term, he says the banks will take your down payment and invest it anyway, why don t YOU invest it?So I don t know if you have had any experiences with this, if you want to know what we did for saving this amount with such a low salary I would be glad to answer.tl;dr I have saved 30K for down payment financial advisor tells me to invest and take a loan for downpayment instead.  <response>: Getting 9 is a stretch, and so is 4.5 on a personal unsecured loan. You will also pay PMI for a lot longer if you dont start with the 10 down. 