Among all the material benefits, the necessary life comfort, the most valuable in all senses, perhaps, is considered housing (apartment, house, plot, etc.). Given the average level of income of an ordinary citizen, you can safely conclude: not everyone can buy a house for cash. In most cases, people prefer to use mortgage lending services. But in this case, there are many controversial moments and fears: whether the borrower is a full owner if he can dispose of his property at his own request?
1
Of course, acquiring a house in the mortgage, you become its owner. But due to the fact that it is burdened by a loan for a period of 5 to 15 years, you are not entitled to produce any financial manipulations with him without permission of a financial institution. If it is planned to sell a house in a mortgage, first of all, it is necessary to notify the bank who has granted you a long-term mortgage.
2
A positive outcome in your situation can only happen in two cases. First option: You want to improve your living conditions by selling an old apartment and buying a more worthwhile new. In this time you have the right to find a customer at home yourself. But only in the case when the amount received from the sale of the first apartment will be laid in two bank cells in the following amount. In one - then the amount of money that will cover the rest of the old mortgage to the end. In the second - the remaining funds from the sale, which will automatically become the first contribution for the mortgage to the larger house.
3
The second option looks approximately as follows: you have emerged unforeseen circumstances and there is no reason to continue the payment of a mortgage loan. In this time, the bank gives permission to sell the living space or independently finds the buyer to your home. The amount required for full repayment is removed by the bank at once, the residue is returned to the owner to a bank account or in cash with cash.
4
There is another, more rare sale of the house in the mortgage. The client can lead to a bank (who issued a mortgage loan) of a person, ready to rewrite housing with debt and continue to pay the loan, thus taking place the place of the previous loan. The former owner receives from the new difference between the full value of the house and the debt residue at the moment (in a personal order). That is, the bank must agree to the mortgage census from one person to another who wants to become new home owner.
5
Recently, increasingly appear that banks will soon be independently without warning to sell mortgage houses of malicious defaulters, thereby overlapping the remaining credit debt. That way they insure their institutions from unjustified risks. This means an approaching reduction of credit rates on a house in a mortgage.
The process of selling a house in a mortgage is in fact harder than in words. Any financial transaction, and this, among other things, remains risky for all areas involved. Therefore, try to consult in time with an experienced specialist, as accurately follow the instructions and, if possible, avoid different types of operations, without which you can do.
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