We provide analytical and numerical solution of the two band fermion model with on-site Coulomb at half filling. In limiting cases for generate bands and one flat band, the model reduces to the Hubbard and Falicov-Kimball models, respectively. We have shown that the insulator state emerges at half filling due to hybridization of fermions of different bands with momenta k and k$+pi$. Such hybridization breaks the conservation of the number of particles in each band, the Mott transition is a consequence of spontaneous symmetry breaking. A gap in the spectrum is calculated depending on the magnitude of on-site Coulomb repulsion and the width of the band for the chain, as well as for square and cubic lattices. The proposed approach allows us to describe the formation of the gap in the fermion spectra in the Hubbard and Falicov-Kimball models within the framework of the same mechanism for an arbitrary dimension of the system.
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