The regulator will closely monitor the risks associated with the issuance of loans without down payment. This is reported by Izvestia with reference to its sources. The Press Service of the Central Bank noted that such a mortgage could be a source of risk for both the banking system and individuals. Zeroing of requirements for the initial installment caused the mortgage crisis, and then the global financial crisis in 2008. “The concern of the Central Bank is now rather justified,” Maxim Maramigin, Doctor of Economics, says. The Agency for Housing Mortgage Lending also believes that increasing offer of mortgages without down payment is an extremely negative trend and the Central Bank should promptly monitor these risks.