Each young family dreams of his accommodation, but, as you know, not everyone can take the necessary amount for its acquisition. Output in such a situation is a mortgage. But there are moments in life when the mortgage wear becomes absolutely not lifted and with the dream of an apartment you have to part. In this article we will talk about how to sell a mortgage apartment, well, if you are lucky, and at the same time to earn good.
There are three ways to sell a mortgage apartment:
- When the transaction is carried out with the direct participation of the bank.
- When the sale of the mortgage apartment is carried out in cash.
- When the apartment is sold to a person, also take a mortgage.
Let's consider it more about each way.
How to sell an apartment in a mortgage with the direct participation of the bank
At the same time, the Bank will find a buyer for you for you, but you can hardly work out for yourself.
What should I do for this:
- You must contact the bank with a request to sell your apartment and repay the loan ahead.
- The bank himself will visit the buyer.
- The bank prepares documents for a preliminary agreement for signature by the Seller and the Buyer in the presence of a notary.
- The Bank will provide for the transaction its own deposit cells for the calculation.
- If the arrangement of the parties is achieved, the buyer lists the agreed amount to the deposit.
- Next, between the parties is a contract of sale in the registration chamber, and the seller gets access to money on its deposit cell.
How to sell an apartment in a mortgage for cash
The first and most important thing to be done is to inform the bank about the intentions to sell an apartment, without permission of the bank you cannot sell it.
Note: You must specify a good reason for the sale, otherwise the bank may not give permission, it is simply not profitable for him.
The second and no less important for you is to find a good buyer for real estate with encumbrance before you begin to conclude a contract.
Third, to agree with the buyer about the transfer of a deposit to you, equal to mortgage debt.
Note: This contract is the presence of a notary to protect each of the parties from possible rapid action.
In the contract, the deposit must be indicated:
- The amount of the transaction committed and order during calculations.
- The term for which you undertake to sell real estate.
- The term of removal of encumbrance from the apartment.
Next, you, together with the buyer, you need to visit the bank to repay the loan.
Now you need to rent property from burdens.
List of necessary documents:
- Passport.
- Certificate of ownership of the apartment.
- Help on debt repayment.
- Mortgage on the apartment.
After the burden is removed and documented, you can sell an apartment.
How to sell an apartment in the mortgage when your buyer takes a mortgage
It is necessary to find a buyer who has the amounts of cash and loan amounts approved by the Bank, have enough to repay your loan.
If such a buyer is found, then follow the steps described in the second method.
So, we looked at three possible ways to sell an apartment that is in the mortgage.
Which of these methods is suitable in your case, you must decide for yourself. But I still hope that life difficulties will bypass you, and you will not have to part with your dream.
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