Is it still possible to buy a house without down payment?

[Toregone]

I bought a house less than a year ago and I did not need a down payment. Scotia Bank and one other place still offer a 0 down. How it works is you pay a higher interest rate for the first 5 years and that pays back your "down payment". After that your interest goes back to normal market rates whatever they may be at that time.

[Fun 88]

The Minister of Finance has recently increased the down payment %. Canadians personal debt is increasing more and more and he is trying to avoid a crash like the States. Can you blame him?
My husband works in the bank and he hears people wanting loans because they can't use anymore credit on their cards. The majority of these people are just shopaholics and just HAVE to keep up with the Jones!!