How much is the down payment on the mortgage?

When every "penny" on the account, the demands of the bank to make an initial contribution will be entirely inappropriate. But what to do? Who gives money, the piper calls the "rules". Down payment - this is the minimum amount that the customer must make myself for buyers. That itself without the help of the bank. This amount varies in the range of 10-50% of property value. Her client pays the seller of housing and the remainder provided by the bank as a mortgage loan. If the positive trends 5 years ago as a down payment banks asked to 30-50% of the cost of housing, but today, many agree, and by 5-10%. And if it is good to try, we can find a mortgage and no down payment. In the end, exit out of this situation could be maternity capital that banks are happy to accept, as a down payment. For the bank, the first payment - this is a good opportunity to hedge their money and improve the discipline of the borrower. Few people would refuse to not pay the loan if you have already paid out their money at least 10% of the rent. And this apartment is under a pledge of the bank, which is actually no risk. To accumulate the down payment, and zaoodno and train experts advise to open a deposit account in a bank and a monthly transfer to him the amount, similar to mortgage payments. For about 1-2 years you will have the required amount.