I’ve started investing about 1000 euro to ETF every month. Let’s say that somewhere in the horizont of 3-7 years, I’d like to buy/build a house for a 180k. I’ll need a 20% downpayment for the mortgage, which is 36k. How do I save for the downpayment? Should I just continue with buying ETF and then withdraw needed sum? In my country(Czechia) if I sell stock/ETF after 3 years since I bought it, I pay no tax.