should be supplemented:
Discussing on one of the forums the possibility of mortgage under 10%, one of the answers

In order to take such a loan, you need to be almost a 25-year-old retired just married with two children and working in a bank.
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I am a retiree for disability (diabetes mellitus), I am 24 years old, I married a year ago and we only had a twin born, and I work in a clerk bank.
I don’t get a mortgage under 10%.