Mortgage with zero down payment

Until the fall of 2008 mortgage with zero down payment could take the Bank of Moscow by 11-13% per annum in rubles to VTB 24 "under 11-13,5%, Svyaz-bank under 12,5-13 , 5%, "Home Loan" under 14-16,5%, etc. In a crisis, when the property has depreciated, these loans are most often the problem, and banks have canceled the program without a down payment. Now, to expand the range of borrowers, large banks impose a variety of options for a mortgage. "VTB 24" in March suggested that those who are entitled to maternity capital to cover their down payment. This can be done in the Khanty-Mansiysk. A recently Baltinvestbank and Moscow Mortgage Agency (IEA) have suggested similar schemes mortgages without down payment with additional collateral available to the borrower's ownership of real estate (other than buy). For details, see the article "Mortgage is 100%" (Vedomosti).