In well-developed countries there is a program of state refinance of youth mortgage credits with low rates. The difference between lower and medium-market rates is delivered from state to bank. Giving costs for refinance, state buys credits from commercial banks. It makes a client's debt settlement in commercial bank by buying credit by costs of budget. This program also helps to develop youth mortgage crediting. As you see it is an effective way of debt settlement. Of course, no one will forget about your credit. But in this case you will pay much less and you will pay to your state and not to bank. It is a way of support of national interests. 

Mortgage credit is very complicated. One of the most popular and comfortable way of crediting are no deposit credit cards loans. Half of the world live in credit. In well-developed countries it is a common and usual thing. What is it and how does it work? Let's imagine a situation. You are in the electronics store. You like a new TV set. But you don't have enough money for buying it right now. You should save money for some months to  purchase it. Or you can get credit card loan just in the store using your salary card. Of course you must work and get official salary. It is a guarantee for a bank that will you have costs for credit payments. But the rates of these credits are usually higher than rates of home refinance. This is a policy of banks.