Sberbank began to give customers GC Ingrad mortgage loans with the exchange of the old apartment for a new one. As a down payment will be partly or fully credited to the value of the customer's existing housing. This will allow many buyers to buy a suitable apartment, without having additional funds available. The key feature that distinguishes Ingrad program favourably is accommodation in an old apartment before receiving the keys to a new one and complete absence of additional expenses at all stages of the deal.