people are often faced with unforeseen circumstances that do not allow them to pay the mortgage until the end. It can be fired from their jobs, sudden illness, when the money is urgently needed on other tools and things, rather than repayment of the loan. In this case, a bank customer can sell the apartment, which is still in mortgages to pay off their debts. Almost any bank the process of solving this problem is the same pattern, and the Savings Bank is no exception: you need to find a potential buyer who would agree to such a deal, only then negotiate with the bank. Full instructions for action can be found in this article.
Where to begin to sell an apartment in the mortgage Sberbank
First of all, you need to know the exact amount of the remaining debt. Please contact the office of the bank, Sberbank, and make a request for the amount. The staff will help you and will give information on the site. Only after weighing their strength, you should apply for approval of a credit institution of your intention to sell an apartment in the mortgage.
Remember that you do not have the right to sell such an apartment, while the bank will not give its consent to the deal. Therefore, the first item for sale will be the submission of an application for permission to the transaction.
The statement must indicate:
- The amount of the remaining debt.
- The reason for the sale of the apartment. This is an important point, as the basis of your reasons the bank will decide to allow you to make a deal or not. If the reason would be really good, you can sell it.
- Approximate dates of sale.
Bank employees are sure to help you write it. After that, you just have to wait.
What to do, when to sell the apartment mortgage Sberbank's resolution received
Now you can start searching the buyer on legal grounds. The main thing is that he pay the amount of your credit balance immediately on bail. For example, you have a mortgage for 700,000, and your deal is three million. Thus, 700,000 buyer gives you immediately, and the remaining 2300,000 after the transaction.
- At the same time, the bank participates in the process at all stages of sale, since you manipulate it with money. Do not forget that before the deal, all family members must be issued from the apartment.
A preliminary sales contract in this case is obligatory, otherwise the credit organization will not be confident in your transaction.
There are several nuances here:
- The buyer may be in the mortgage loan, the main thing is that his personal funds are enough to repay your debt at the moment.
- The transaction can be done by the Bank himself. You can specify this in the application if you yourself are not able to find the buyer. Then Sberbank himself will find the buyer and issue a deal. After making a transaction, the rest of your funds will remain on the deposit, and the Bank will take the debt.
Completion of the sale of an apartment in the Sberbank Mortgage
As soon as you found the buyer, and he is ready to make such a deposit, you both must contact the Bank's office so that Sberbank takes off your debt and encumbrance. In some cases, you will need a visit to the IFC with a representative of the Bank to remove the deposit from the apartment prematurely.
In general, the procedure proceeds quickly enough if you have a valid reason for selling an apartment and already have a potential buyer.
If the bank did not give you his consent, then such an apartment cannot be sold. Otherwise, the transaction is canceled, and you only deliver the cotton to the buyer.
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