Permanent residence and home loans for European?

Hi folks,

I would like to ask if anyone here has experience with home loans as an European. Do you need permanent residence (PR) for this? (ofc given the fact that other relevant aspects are qualified)

As far as I know, Europeans don’t typically need a PR (I can’t even find an option to apply for one), but I’ve heard of people being asked for PR when applying for a home loan.

Could anyone shed some light on this? Thanks in advance!