How to take a mortgage without a down payment to a young family?

If you do not have money for the initialfee, this is not such a problem. If there is an income that allows you to repay a loan, then it is quite possible to apply for a mortgage without an initial installment.

Earlier the easiest way to get a loanwas the execution of it under a special program of the bank. But since the crisis began, these programs have been canceled. Therefore, we will have to find another solution. To answer the question "how to take a mortgage without a down payment", first of all, it is necessary to ask one more self: "Will I be able to pay?" If the answer turns out to be affirmative, then you can already make a decision about which mortgage program is right for you.

Loan without down payment with collateral

This method is suitable for those who already havethere is an apartment that can be given on bail to the bank. Probably, it's easier to take a car loan without a down payment than a mortgage. But still there is a chance. There are several banks with which loans are issued on bail. It is worth taking into account a couple of points:

1. Banks do not give the full cost of an apartment thatis given on bail. Most banks give about 80%. That is, if your property will be valued at three million rubles, then the loan will be approximately 2.4 million rubles. This amount may be less, since the borrower's income also affects the maximum loan size.
2. The apartment that you plan to deposit as a deposit must be exactly where the bank that issues the loan is located.

How to take a mortgage without down payment by getting two mortgages right away?

If the first method is suitable for those who have more expensive real estate and get cheaper, then using this method you can buy an apartment more expensive or, conversely, cheaper.

In general, two mortgage loans are issued: the first is intended to make a down payment, on the security of available housing, and the second - on the security of the apartment, which is planned to buy.

How to take a mortgage without a down payment, and which bank? So far, only one bank is known, which practices such a method of lending, where issued
method loans without down paymentare separated by a separate program. But here there are quite high interest rates. To implement this method is possible only by combining loans received in several banks

how to take mortgages without initial fee at assistance consumer loans?

Without collateral? Yes, it's very simple. To do this, you need to take several loans in different banks, for different amounts. But it is necessary to take into account at the same time that it is still necessary to return debts, and this can turn out to be much more expensive than a regular mortgage. Also, such loans have a maximum term of half that of a mortgage.

As we have found out, a loan for an apartment withoutYou can still get a down payment. But before taking such a loan, it is very good to assess their capabilities. Can you pay several loans at once?

Get a mortgage is quite simple, but you still need to return it!