How to realize
mortgage apartment!?
The maturity of a mortgage loan occasionally draws the least 10 years. But during this time the borrower has the opportunity, almost all will happen in life, and it is possible, in fact that he will need to change the apartment, purchased on credit ways. How to do it?
Purchased with the support of the mortgage the property is in pledge at Bank until the perfect maturity of the loan. It means actually that the purchaser living space, though it is considered the owner and lives there with his family, not fluent has the ability to implement it. This condition prescribed in any loan agreement.
The motives of the borrowers
Then immediately have to say, actually what happen the history in which the borrower to pay the loan as was not able. During this time, the housing typically exposes the Bank to resell in order to cover his tail. When this is often only at a cost below market, warns Sergei Grebenyuk, head of mortgage direction of the Department of buildings Becar in St. Petersburg.
In our case, the owner of the apartments is completely not a solvent and does not comply with the assumed commitments. Elementary on that or other grounds he needs to change the "habitat". For example, if the family of the borrower is risen and will need more extensive living space. Or, on the contrary, the owner realized actually bought a very large amount of square meters and wish to acquire living space for much less, and the balance to buy , a car. Change of apartment at the least, happens to be required when the borrower has replaced the work and its profits decreased. To implement the acquired mortgage housing often need in the divorce.
To attribute prerequisites
One text, the history have a chance to be different. But in any case to carry out the position will not be released without the written permission of the Bank.
"Every personal Bank, there is a specific order of implementation of these objects, but as such failures in our practice was not", – the expert of Group of companies "EKOTON" Aspiration Poltorabatko.
In General, we must be prepared for that, in fact that Bank employees will ask for details to attribute the prerequisites of collateral apartments and ask a lot of questions about the current economic situation of the borrower, his family, the availability or unavailability of other loans, etc. In some cases, a creditor including and asks for a preparatory contract between the trader (borrower's Bank) and the client encumbered apartments, notarized.
The implications of this insight are clear: the creditor is obliged to regard their own risk as the transactions with apartments likely all sorts of surprises.
Brought actually what the Bank offers their own buyer the most simple variant: seizure of funds from a client under the bill, and here to repay the loan. However it is unlikely that the purchaser of real estate is going to transfer this way large sums, if only he is not considered a relative or other next of the borrower.
Noticed actually because some banks because of the reluctance to lose a buyer will try not to allow foreclosure of housing all probable methods, from imposing serious punitive penalties for premature repayment of credit to intentional delays in the negotiations with the buyer. Fortunately, the market for these credit institutions several. "Most banks are going to meet private buyers, especially in the case if to this whenever the borrower regularly paid", – speaks Oksana Vikulova, head of Department of mortgage lending Agency "Itaka".
How to implement mortgage housing
When unanimity on the resale of the housing is received, the borrower need obosnovalsya with the scheme of the transaction. And here are the likely options.
If the owner of the apartment wants to sell it independently, he is obliged to work according to a proper scheme. First, you need to conclude with the client a preparatory contract of sale. After that, the transferee of the property transfers to the account Bank that the required amount, which the borrower has not had time to repay (in fact, it is considered a Deposit). The remaining share of the price of housing is laid in the safety-Deposit box (it can be any Bank – not necessarily the one that issued the credit). To pull out her tools trader of the apartment could only in the provision of the registered contract of purchase and sale.
mortgage apartment!?
The maturity of a mortgage loan occasionally draws the least 10 years. But during this time the borrower has the opportunity, almost all will happen in life, and it is possible, in fact that he will need to change the apartment, purchased on credit ways. How to do it?
Purchased with the support of the mortgage the property is in pledge at Bank until the perfect maturity of the loan. It means actually that the purchaser living space, though it is considered the owner and lives there with his family, not fluent has the ability to implement it. This condition prescribed in any loan agreement.
Then immediately have to say, actually what happen the history in which the borrower to pay the loan as was not able. During this time, the housing typically exposes the Bank to resell in order to cover his tail. When this is often only at a cost below market, warns Sergei Grebenyuk, head of mortgage direction of the Department of buildings Becar in St. Petersburg.
In our case, the owner of the apartments is completely not a solvent and does not comply with the assumed commitments. Elementary on that or other grounds he needs to change the "habitat". For example, if the family of the borrower is risen and will need more extensive living space. Or, on the contrary, the owner realized actually bought a very large amount of square meters and wish to acquire living space for much less, and the balance to buy , a car. Change of apartment at the least, happens to be required when the borrower has replaced the work and its profits decreased. To implement the acquired mortgage housing often need in the divorce.
To attribute prerequisites
One text, the history have a chance to be different. But in any case to carry out the position will not be released without the written permission of the Bank.
"Every personal Bank, there is a specific order of implementation of these objects, but as such failures in our practice was not", – the expert of Group of companies "EKOTON" Aspiration Poltorabatko.
In General, we must be prepared for that, in fact that Bank employees will ask for details to attribute the prerequisites of collateral apartments and ask a lot of questions about the current economic situation of the borrower, his family, the availability or unavailability of other loans, etc. In some cases, a creditor including and asks for a preparatory contract between the trader (borrower's Bank) and the client encumbered apartments, notarized.
The implications of this insight are clear: the creditor is obliged to regard their own risk as the transactions with apartments likely all sorts of surprises.
Brought actually what the Bank offers their own buyer the most simple variant: seizure of funds from a client under the bill, and here to repay the loan. However it is unlikely that the purchaser of real estate is going to transfer this way large sums, if only he is not considered a relative or other next of the borrower.
Noticed actually because some banks because of the reluctance to lose a buyer will try not to allow foreclosure of housing all probable methods, from imposing serious punitive penalties for premature repayment of credit to intentional delays in the negotiations with the buyer. Fortunately, the market for these credit institutions several. "Most banks are going to meet private buyers, especially in the case if to this whenever the borrower regularly paid", – speaks Oksana Vikulova, head of Department of mortgage lending Agency "Itaka".
How to implement mortgage housing
When unanimity on the resale of the housing is received, the borrower need obosnovalsya with the scheme of the transaction. And here are the likely options.
If the owner of the apartment wants to sell it independently, he is obliged to work according to a proper scheme. First, you need to conclude with the client a preparatory contract of sale. After that, the transferee of the property transfers to the account Bank that the required amount, which the borrower has not had time to repay (in fact, it is considered a Deposit). The remaining share of the price of housing is laid in the safety-Deposit box (it can be any Bank – not necessarily the one that issued the credit). To pull out her tools trader of the apartment could only in the provision of the registered contract of purchase and sale.
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