Applying for a mortgage without a down payment at Sberbank

Buying an apartment with a mortgage requires a mandatory down payment of at least 15–20%, but many borrowers in need of housing cannot save such a large amount. In such cases, the bank offers to issue a non-targeted loan secured by real estate or take advantage of government assistance programs.

It is worth finding out whether Sberbank gives a mortgage without a down payment, how many years you can take out such a mortgage and why it refuses to issue unsecured loans.

Why banks don't want to issue mortgages without a down payment

Buying an apartment without a down payment is an advantageous offer for borrowers. However, many banks do not welcome this idea, due to several reasons:

1. There is a risk associated with a lack of understanding of the client’s real solvency.
2. The borrower, when applying for a mortgage without a down payment, does not risk losing the invested savings. That is why the bank fears that it may stop making payments at any time.
3. According to statistics, clients who have failed to save 10% are undisciplined and negligent in their payments.
4. The down payment serves as a discount on the sale of the property. It is possible to recoup a defaulted mortgage loan only by selling the collateral, but doing this at a market price is difficult. A PV of 10–15% acts as a discount for the buyer or covers the costs incurred during the transaction.
5. A large monthly payment is another reason to default on your mortgage. The payment on an average loan is 20–35 thousand rubles. This is where the bank has doubts about how the client will deposit such an amount every month for 10–15 years if he was unable to save 200–300 thousand rubles. for a “zero” contribution.

Is it possible to get a mortgage without a down payment?

Expert opinion
Irina Bogdanova

Work experience at Sberbank for 12 years.

It is impossible to get a mortgage without a down payment at Sberbank. All programs available to borrowers require a contribution of 15–20% of the cost of the purchased property.

If you have no savings, you can count on government support:

1. Use maternity capital for the down payment.
2. Get a military mortgage.
3. Participate in the federal borrower assistance program.
4. Take out a non-targeted loan instead of a mortgage loan.

Everyone has the right to receive government subsidies if they meet legal requirements.

Mortgage loan program

Not all categories of clients will be able to receive this privilege - this opportunity is provided only to certain of them. In addition, it is necessary to take into account that banks do not have a lack of a down payment as such, but this result can be achieved by receiving certain benefits and subsidies from the state, which will significantly facilitate the process of purchasing your own home. For ordinary clients, this opportunity is practically not provided due to their possible unreliability before the bank. The point is the risks for the bank to issue borrowed funds to a person who, for a certain reason, was unable to save a down payment. Such a client is regarded as:

• having a low level of income, which does not allow saving the required amount;
• does not know how to competently use his financial instruments, which indicates his inability to use his income wisely, and this is a potential danger for the bank of non-repayment of its own funds.

There are also those categories of citizens who, due to circumstances, cannot accumulate the required amount of funds - for example, newly-made families. Depending on the category of clients intending to take out a home loan with a zero down payment, the following programs are being considered that offer this opportunity for them:

• Families where the 2nd or 3rd child was born. As already mentioned, the lack of personal savings can be resolved through government assistance to this category of citizens. Maternity capital can play the role of the first payment for such families, which will allow them to purchase residential real estate even in the absence of their own savings.
• Military personnel. To purchase housing, military personnel can use funds from the savings and mortgage system (NIS) account.
• Use of a housing certificate. This program is the most extensive, because it covers a large number of categories of citizens. Such benefits can be used by employees of the Armed Forces of the Russian Federation who are not on the list of participants in the savings and mortgage program, employees of internal affairs bodies and fire safety services, widows of military personnel, as well as displaced persons.

These are the main programs that allow you to apply for a mortgage without having to pay a down payment from personal savings, because it is replaced by funds allocated from the state budget to help the above categories of citizens.

In addition to these, there are other categories of clients who can count on a similar opportunity. This opportunity will mainly be given to those people who have been in line for quite a long time to receive housing on a preferential basis. Young families can also count on some assistance from the state. This category of families has many nuances, because there is no clear definition for it. But still, let us highlight the criteria that allow us to classify a family into this category:

• the age of at least one of the spouses is less than 35 years, the family is raising at least one minor child;
• a single spouse raising a child under 18 years of age;
• student spouses dependent on financial assistance from their parents;
• a young family without their own home.

Such clients can count on some support from the state, but it cannot be guaranteed - it all depends on the individual situation. In some ways, this program for obtaining a loan for residential real estate with a zero payment includes refinancing a mortgage from a third-party bank by the client.

How does the full cost of a mortgage work out without a down payment?

A mortgage without a down payment at Sberbank consists of the following expense items:

1. Property value.
2. Insurance policy premium.
3. Issuance of a letter of credit.
4. Services of appraiser and realtor.
5. Account opening and operational services.
6. Government services.

At the time of processing a loan without a down payment, penalties, fines and penalties are not taken into account.

Interest rate

A reduction in mortgage interest rates at Sberbank is provided for representatives of preferential categories:

• participants in salary projects;
• users who have purchased a life insurance policy;
• young families where one or both spouses or a single parent are under 35 years of age.

Accredited developers provide interest discounts to buyers of new apartments. Paying a self-contribution in excess of the established minimum also helps reduce interest.

What mortgage programs are there without a down payment at Sberbank?

It is impossible to directly obtain a mortgage from Sberbank without a down payment, but there is an option where you can get a regular loan by mortgaging an apartment.

Conditions of the program “Non-targeted loan secured by real estate”

A non-targeted loan secured by real estate is an alternative to a mortgage without a down payment.

Program conditions:

• rate - from 13%;
• loan amount - from 500 thousand to 10 million rubles;
• payment period is up to 20 years.

The collateral is a residential building, apartment, land plot, garage.

Sberbank has standard criteria for selecting applicants:

1. Citizenship of the Russian Federation.
2. Permanent residence in the country.
3. Age - from 21 to 75 years at the time of the last payment.
4. At least 6 months of experience at the current place of work. Total labor - over 1 year.
5. The salary is officially confirmed by a certificate in the form of a bank or 2-NDFL.
6. A co-borrower and a guarantor are involved, whose salary is taken into account when considering the application.

Required documents:

1. Application for a loan.
2. Passport of the borrower and co-borrower.
3. The second document is a driver’s license, SNILS, foreign passport.
4. Military ID for men under 27 years of age.
5. Marriage certificate.
6. A copy of the work book.
7. Certificate in bank form, 2-NDFL.

You can only apply at the branch.

Requirements for the borrower and co-borrowers

The client side - regardless of whether it is a borrower or a co-borrower - is subject to the same basic requirements. To obtain a mortgage without a down payment from Sberbank, clients must meet the following requirements:

• Availability of citizenship and passport of the Russian Federation.
• Age: from 21 to 75 years. But in this case there are nuances: you can get a mortgage under 21 years of age, but under the guarantee of your parents; The expiration date of the loan agreement must occur earlier than the borrower (or his co-borrowers) turns 75 years old.
• Mandatory presence of collateral or surety from individuals.
• Clean credit history. None of the group of borrowers should have any delays; even long-standing problems with paying off loan obligations can negatively affect the bank’s decision, so it is better to take care of attracting co-borrowers with a clean credit history.
• The amount of monthly loan payments should not be more than 40% of monthly income.
• The duration of employment at the current place of work is at least 6 months. The total work activity over the past 5 years is at least 1 year.

These are general requirements for clients, but during the consideration of the application, other requirements may arise based on the individual situation with each of them.

How to get a mortgage without a down payment with the help of the state

A mortgage loan without a down payment can only be obtained with the support of the Russian Federation. The state offers several options to help citizens in need of living space.

Mortgage with state support for families with children

As part of the “Young Family” program, you can get a loan for an apartment without your own investment.

Primary requirements:

• a family of two people has 42 m2 of apartment space, a family of three people has 18 m2 each;
• housing does not meet sanitary standards;
• a couple with children is forced to live with a sick relative;
• applicants for benefits under 35 years of age.

If the requirements are met, the borrower receives 30-70% of the value of the property for the down payment or interest payment.

Mortgage plus maternity capital

Maternity capital is issued at the birth of a second child. The received certificate can be used as a down payment for mortgage lending.

For 2021, the subsidy is equal to 453,026 rubles.

You can use maternity capital in conjunction with government assistance programs by submitting an application to the Pension Fund of the Russian Federation.

See also: Head of the Secured Lending Development Department at Sberbank Alexey Trubnikov tells how to use maternity capital when buying a home with a mortgage.

Military mortgage

A military person will not be able to get a mortgage directly without a down payment. In this case, there is only one option - to save up. Every month, NIS program participants receive 23,334 rubles to their personal account. Over the course of several years, you can save up for a down payment on a mortgage, and then use it towards monthly payments.

Important! The maximum loan amount for the purchase of housing is 2,502,000 rubles.

What categories of citizens can count on receiving subsidies and benefits?

The following categories of citizens can take out a mortgage without a down payment:

1. Families who had a second or third child between January 1, 2021 and December 31, 2022.
2. Married couple under 35 years of age.
3. Military personnel are participants in the savings and mortgage system
4. Families who had a second baby after January 1, 2007.

Young families: what is offered and what is required

Sberbank's mortgage to a young family without a down payment includes registration of a family mortgage under the federal program and lending using maternity capital.

Loans to young families will be issued subject to the following rules:

• the purchase of a finished apartment or rights to a property under construction occurs only on the primary market, from a developer registered as a legal entity and accredited by Sberbank;
• lending is carried out in the bank division to which the new building is geographically located;
• the base interest rate is 10.2% per year. It may increase if the borrower does not receive a salary from Sberbank or if he refuses to register the transaction electronically;
• the minimum loan amount is 300 thousand rubles, the maximum is limited to 85% of the estimated value of the property being purchased;
• loan term - up to 30 years.

The bank’s general requirements for the borrower are supplemented by the following:

• lack of own housing for the family or any of the spouses;
• official registration of marriage and age limit - 35 years for each of the married couple;
• the family must be registered as in need of housing or expansion of living space.

The “Mortgage plus maternity capital” program allows you to:

• purchase housing on the primary and secondary markets;
• the object of lending can be an apartment, a residential building with a plot of land, or the loan can be used for housing construction;
• Sberbank's mortgage for secondary housing without a down payment can be used both for the purchase of real estate and for major repairs. Or, at the request of the borrower, the funds can be used for the reconstruction of a residential property;
• The program will be available to families raising not only their own children, but also adopted ones.

The base rate for the loan program is from 10.2%. When purchasing a new apartment from a developer and the loan term is up to 12 years, the interest rate is reduced.

To take advantage of the program, the borrower must:

• register ownership of the loaned property;
• within six months from the date of purchase, contact the Pension Fund division for a certificate for receiving family capital.

Recommended article: Refinancing a military mortgage with 2 children - conditions and banks

Matkapital is used to repay the down payment or to pay the loan and interest on it.

Mortgage conditions in Sberbank without down payment

You can get a loan without a down payment for housing only if you meet the basic requirements of the bank and government subsidizing conditions.

Requirements for borrowers

General requirements for applicants:

1. Citizenship of the Russian Federation and permanent residence in the country.
2. Age restrictions are from 21 years to 70 years at the time of the last payment. For benefit programs, the age range may vary.
3. At least six months of work experience in the current position. Total labor period - more than 1 year.
4. Income level meets requirements. It is officially confirmed by a certificate in the form of a bank or 2-NDFL.
5. The client has a co-borrower and a guarantor. They increase the lender's confidence because their income is also taken into account.

For a military mortgage, the borrower must be a military personnel and a participant in the savings mortgage system.

To apply for a non-targeted loan, the applicant must provide real estate (house, apartment, plot, garage, etc.) as collateral.

Requirements for the Young Family program:

• apartment area for two is 42 m2, for three - 18 m2 each;
• living conditions do not meet sanitary and technical standards;
• a family lives with a seriously ill person;
• applicants under 35 years of age.

To receive maternity capital, you must give birth to your second baby after January 2007.

Documents for obtaining a mortgage without initial payments for each of the available programs

Standard package of documents for a mortgage loan without a down payment:

1. Passport of a citizen of the Russian Federation and a co-borrower.
2. Driver's license, SNILS, foreign passport. For men under 27 years old, a military ID is required.
3. Borrower questionnaire.
4. Marriage certificate.
5. Pensioner's ID.
6. A copy of the work book.
7. If you have additional income - any document confirming the fact of receipt of profit (lease agreement, deposit statement).
8. Certificate in the form of a bank or 2-NDFL to confirm the income of the borrower/co-borrower.

For individual entrepreneurs - tax return.

Additional package of documents for state subsidies:

• children's birth certificates;
• marriage contract (if any).

To apply for a loan with maternity capital you will need:

• state certificate for maternity capital;
• a certificate from the territorial body of the Pension Fund of the Russian Federation about the balance of subsidy funds.

Under the non-targeted lending program, it is necessary to provide collateral documents.

To the standard package of certificates, the military personnel will need to add a certificate of rights as a participant in the savings-mortgage housing system for military personnel.

Interest rates and maximum amounts issued under Sberbank mortgage programs

Mortgage rates and maximum loan amounts for an apartment without a down payment for 2021

Maximum amount (RUB)	Term	Bid
Mortgages with state support for families and children	12 million	Up to 30 years old	6 %
Mortgage with maternity capital	70 million	Up to 30 years old	From 8.5%
Military mortgage	2.502 million	Up to 20 years	9,5 %
Non-targeted loan secured by real estate	10 million	Up to 20 years	From 13%

Alternative options

There is an alternative option that allows, if the client meets the basic requirements for borrowers, to apply for a mortgage loan without paying a down payment. As an alternative, some banks are considering issuing additional collateral (in addition to the purchased real estate) as a replacement for the standard method. Thus, if you own real estate and do not have the required amount of money for a down payment, you can use the proposed option.

Housing loan without down payment on the secondary market

Alas, Sberbank does not provide loans for secondary housing without a down payment. If there is no money for the initial payment (or not enough), you can use three possible solutions to circumvent this condition:

1. Direct maternity capital to the first payment - it is possible to pay 453,000 rubles from maternity capital. if it is at least 10% of the cost of the purchased secondary housing.
2. State subsidies and housing certificates are an option for citizens with the right to apply for financial assistance from the state to improve their living conditions. You can pay the minimum installment on a home loan with targeted finance or a certificate.
3. Inflating the price of a resale property - agree with the seller or an independent real estate appraiser to inflate the price of the apartment in the contract. After the seller gives you a receipt for the down payment, you provide this receipt to the bank. This method can be classified as “gray” because If fraud is detected by bank employees, you will most likely be denied a mortgage and will be added to the “black list” of unwanted clients.

Important : the solutions listed will not cancel the mandatory down payment, but will help avoid expenses from personal savings.

Important bank conditions

For buyers wishing to receive a home loan without a down payment, the bank puts forward a number of conditions:

• The housing loan period is no more than 30 years;
• Mortgage currency - ruble;
• It is allowed to repay a housing loan ahead of schedule;
• Mortgages are allowed only for finished housing or real estate under construction from specific developers;
• Providing collateral for the duration of the loan;
• Insurance of the borrower's real estate.

Changes in points affect the change in the home loan rate.

The home loan rate varies for each category of borrower. For example, if maternity capital is used, the interest rate will be from 6.5%; mortgage refinancing provides a rate of 9%; for military personnel - from 8.8%, for participants of the federal program of state support for families - from 5%.

The interest rate is influenced not only by the attitude towards one of the listed groups, but also by the individual characteristics of each case. Therefore, the buyer may well count on a reduction in mortgage rates.

How to calculate a mortgage without a down payment in advance

A mortgage calculator will help you calculate the size of your loan payment without a down payment. It will also allow you to choose a convenient term and payment among several programs.

Sberbank mortgage calculator without down payment

When calculating the payment under the non-targeted lending program, an online calculator is suitable. In the free fields of the table you must enter:

• the value of real estate secured by collateral;
• required loan amount;
• payment term.

The preliminary amount of future payments will be displayed on the right; it can be adjusted by changing the terms of the loan.

A general mortgage calculator will help you calculate the amount of payment for programs with other interest rates. In the free fields you must indicate the cost of housing, loan term, possible down payment (subsidies, maternity capital), types of payments and interest rate.

Zero down payment: some features

Those applying for such loans should take into account that lending without an initial deposit of funds does not exist in absolute form. Most often, the obligation to make a down payment is assumed by the state in the form of subsidies, maternity capital or the amount of funds generated in the savings mortgage system. In case of refinancing, Sberbank receives from the state budget through AHML compensation for the difference between the rates for refinancing and lending under the primary agreement.

Recommended article: Dom.rf has resumed accepting applications for Rural Mortgages

An apartment with a Sberbank mortgage without a down payment is issued taking into account:

• compulsory insurance of real estate - purchased and pledged;
• personal insurance of the borrower.

Insurance payments are made once a year. The insurance amount is sometimes close to the monthly repayment, so it is often called the “thirteenth payment”. In this way, the bank reduces the financial risk of lending to preferential categories of borrowers.

If you are offered an inflated price for real estate, then read the article - Overpriced mortgage: risks of the seller and the buyer

How to get a mortgage without a down payment at Sberbank

Applying for a mortgage without a down payment online is possible, but one personal visit is still required to sign the documents.

Stages of the registration procedure:

• calculate preliminary payments using a mortgage calculator;
• consult with specialists by phone;
• submit an application for the value of the selected property;
• wait for the bank's decision;
• send the apartment for approval and order an assessment;
• come to sign the agreement at a branch of Sberbank of Russia;
• register rights through the electronic document submission form;
• transfer funds to the seller’s account through a secure payment service.

How to apply for a mortgage online

Applying for a mortgage:

1. Log in to your DomClick personal account through Sberbank Online.
2. Enter all the characteristics of the future mortgage in the calculator. Calculate several convenient options and choose one. Pay special attention to services that reduce interest rates.
3. Click on “Submit Application”.
4. A borrower's questionnaire will appear in a new window, which must be filled out in accordance with reality.
5. At the last stage, you need to upload scans of all documents and submit your application.

The bank considers the application within 5 days, but in most cases the decision comes within 24 hours. After approval, the borrower is given 90 days to find an apartment and complete the transaction.

Sberbank mortgage calculator

The calculator automatically calculates the loan procedure based on four parameters, including:

• credit program;
• price of the real estate;
• first payment;
• duration.

In accordance with the specified values, the system indicates the following data to the potential payer:

• monthly payment amount;
• loan amount (home price minus 1st payment);
• interest rate;
• required level of income.

Please note that the figures given are approximate. The borrower will be able to learn the exact terms of the loan from Sberbank employees when signing the agreement in the office

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Alternative options for purchasing an apartment without a down payment

For those who do not meet the conditions of preferential programs, other options for decorating an apartment without a down payment are suitable.

Consumer loan

A consumer loan is another option for purchasing real estate. The term of such a loan is limited to 60 months, so the monthly payment will be large. That is why Sberbank has a negative attitude towards such a desire of the borrower, protecting itself in advance from a possible default.

Loan programs:

1. A loan with a guarantor for young people and pensioners is issued for 5 years. The rate starts from 11.9%, and you can apply for up to 3 million rubles.
2. A good time to take out a loan is an option with a maximum amount of up to 5 million rubles at an interest rate of 11.9%.

Inflating the cost of housing in front of Sberbank

The borrower can show Sberbank the cost of the apartment is higher than it actually is, while providing the lender with a receipt from the seller.

The situation can be analyzed using an example: the cost of an apartment is 3 million rubles, the down payment is 450 thousand (15%). The buyer writes in the application an inflated cost of housing - 3.53 million rubles, indicating the loan amount of 3.05 million (the down payment is 529.5 thousand). Upon approval, the lender is provided with a receipt stating that the seller received 529,500 rubles from the buyer as a down payment. The bank needs to transfer the remaining 3.05 million.

Possible problems:

1. When purchasing an apartment in a new building, the bank does not accept receipts.
2. The estimate may not match the amount requested by the seller. If the overstatement is too large, Sberbank has the right to refuse to issue a loan.
3. The receipt has legal force, so the seller has the risk that the buyer may legally demand the return of the “virtual” down payment.

Loan from a real estate agency or developer

Real estate agencies and developers can give their buyers loans for a down payment to purchase an apartment. Conditions are negotiated individually with each client.

In most cases, the program works in conjunction with the overstatement procedure, i.e., the borrower submits a cash receipt order to the bank for the amount of the down payment, and the agency receives the real cost of the apartment. After the conclusion of the transaction and in the absence of claims on the part of the buyer, the loan agreement is destroyed.

Promotions from a real estate agency or developer

Often developers organize promotions for installment payments for the down payment or provide a special discount.

Expert opinion

Irina Bogdanova

Work experience at Sberbank for 12 years.

In accordance with the law, the borrower has the right to receive a down payment from the developer and apply for a mortgage; it is only necessary to constantly monitor the supply market.

How to pay off a mortgage without a down payment

Options for repaying a mortgage without a down payment:

1. Sberbank Online. Funds from the main account can be transferred to a loan account or automatic payment can be activated.
2. Sberbank ATM. The devices can be found not only in bank branches, but also in shopping centers and supermarkets. Mortgage details will be required for payment.
3. Transfer from another card. Suitable for those whose salary comes to an account in another bank. There is a fee for the transfer, the amount depends on the issuer.

The method of repayment is not affected by the term of the mortgage loan, its rate or amount.

Documents for obtaining a mortgage

To apply for a mortgage without a down payment, a person must provide the following documents:

• Russian passport.
• Certificate of employment from your place of work.
• Certificate of salary.
• Application form.

Also, depending on the category of the borrower, you may additionally need one of the following documents:

• Maternity capital certificate.
• Certificate confirming participation in the NIS program for military personnel.
• Loan agreement for a mortgage provided for refinancing at Sberbank.
• Certificate for participation in a mortgage program with government support.

Possible ban on mortgages without a down payment

Taking out a mortgage without a down payment may be prohibited due to the sad experience of the United States in 2007–2009. At that time, the cause of the economic crisis was defaulted unsecured loans. Borrowers did not calculate their capabilities and were unable to pay off their loan obligations, which led to the collapse of America's largest bank, Lehman Brothers.

To date, the Central Bank of the Russian Federation has expressed an initiative to ban loans with a small “zero” contribution (up to 20%). Representatives of the Ministry of Construction supported the idea, believing that an unsecured loan could destabilize the country's economy.

How much is the loan issued for?

Sberbank can provide a borrower with a mortgage with a different range of loan amounts, everything will depend on the group to which the person who wants to get a mortgage without a down payment belongs.

Group to which the borrower belongs	Loan amount (rubles)
People applying for a mortgage with state support	45 000 – 8 000 000
Military personnel participating in the mortgage lending program	15 000 – 2 400 000
Families wishing to use maternity capital to pay a down payment	15 000 – 8 000 000
Persons wishing to refinance their mortgage at Sberbank	15,000 – no more than 80% of the value of the acquired property or the balance of the debt.

The size of the mortgage provided without a down payment will depend on the borrower's solvency ; the higher his salary level and the more experience he has in one place, the greater the amount a person can count on.
The salary of the spouse acting as a co-borrower on the mortgage will also be taken into account. The higher the total family income (official and part-time), the larger the amount Sberbank will be able to allocate for the purchase of housing.

Is it profitable to take out a mortgage loan without a down payment?

A mortgage loan without a down payment is a profitable lending option for borrowers, allowing them to purchase an apartment without using their own savings.

Among the advantages, one can only identify the absence of the need to deposit your own funds. But the disadvantage, in the form of a large monthly payment for 10-30 years, detracts from the advantages.

Example: a borrower wants to register an apartment worth 2.4 million rubles for 20 years. For comparison, you can calculate several options:

An initial fee	Interest rate	Monthly payment	Overpayment
0 %	13,5 %	RUB 28,977	4.554 million
20 %	11,3 %	RUB 20,212	2.93 million
40 %	11,3 %	RUB 15,159	2.198 million

Thus, having accumulated only 480 thousand, the borrower will actually be able to save 1.6–2.3 million rubles on overpayments.

How to save for a down payment if no option is suitable

Simple rules for those who want to save for a down payment:

1. Set a goal. Calculate the required amount for the initial payment (at least 15%) and set aside a fixed amount from your own budget every month.
2. Save efficiently. Through Sberbank Online, open a bank deposit/target and activate the Piggy Bank service. Over the course of a year, you will accumulate the required amount and receive additional interest.
3. Plan your budget. Follow the golden rule of cash flow distribution 50/20/30 (everyday spending/entertainment/savings).
4. Keep track of your expenses. Download the mobile app and control your own expenses by recording the cost of each purchase.
5. Learn to save wisely. Use discount, bonus cards or those that have a cashback function. Buy coupons for goods and services.
6. Avoid unnecessary expenses. Go through every expense item in your budget and try to cut them.
7. Make a shopping list. The list of necessary goods disciplines and eliminates unnecessary spending.
8. Don't buy expensive things spontaneously. Think about your need for a product during the day, because perhaps it was a momentary desire.
9. Take a close look at the contents of your cabinets. You might find a few things to sell.
10. Make a hobby an additional source of income. Tutoring, photo shoots, copywriting, manicure services or guitar lessons - all this can bring profit.