Can I take a mortgage when purchasing a new apartment?

It is usually possible to obtain a mortgage on 50-70% of the purchase value determined by an assessor. Assessor is appointed by the bank and chosen by you. The assessor will determine the value of the apartment, and according to that what the mortgage will be. The mortgage will depend on the value assessor sets, and your age and income which will determine the percentage out of the value the bank will be willing to mortgage.