The answer in two paragraphs
The key point
A missing down payment does not remove income and debt checks. The less money you contribute, the more carefully you should assess payments, collateral risk, and extra costs.
Routes that may be available
A bank may consider another property as additional collateral. Local authorities may provide a housing certificate to eligible groups for part of the down payment.
- The additional property must meet bank requirements.
- A certificate depends on the applicant category and regional rules.
- A low down payment may apply only to certain property types.
What to avoid
A consumer loan for the down payment increases the debt burden and may reduce the chance of mortgage approval.
It is safer to estimate the full burden and check official support options first.
Common questions
What else you should know
Can I use a relative's apartment as collateral?
Some banks consider additional collateral with the owner's consent. Confirm the requirements and risks with the bank.
Who qualifies for a housing certificate?
Certificates are available to specified groups under regional rules and may cover part of the down payment.
Should I borrow the down payment?
It increases the monthly burden and is included in the bank's affordability assessment.