Is there a mortgage without a down payment?

When the mortgage apartment seems to have such an intimate, irresistible "concrete block" on the path to your dream may lie down payment. Where can I find these 20-30% of the cost of the entire apartment, if there is no free money? First mortgage loans with no down payment came a few years ago, but the crisis is severe blows quickly returned all to normal. Today the situation is changing for the better. Banks are offering loans to buy apartments without first contributions. The truth while in their homes in the final stages of construction. To get a mortgage borrower was required to submit an income statement on Form 2-PIT. An interesting alternative to the alternatives proposed bank VTB 24, which in its mortgage program, ready to take maternity capital as a down payment on the loan. It should be noted that these mortgage products suitable not for everyone. Then we can consider the option of completed loans secured by 2 apartments - old and new, that you buy. The initial payment from you does not require, but the loan will be issued only in 90% of the value of your old apartment. Some banks went even further - agreeing to the mortgaged property of your guarantors, such as parents, grandparents. A dangerous path if none of the above does not suit you, and must pay a fee, you can only "request" from another bank consumer credit. Step, immediately say, dangerous to enter upon the path of "double credit" is only confidence in their ability to man.