We could cool the housing market in a minute by raising the minimum down payment to 10 per cent. In fact, let’s suggest a 10/10 rule: Put 10 per cent down and plan to stay put for 10 years.
http://www.theglobeandmail.com/globe-investor/personal-finance/mortgages/the-1010-rule-how-to-protect-yourself-from-a-decline-in-house-values/article27375125/