Can I sell the house, which is pledged to the bank

Many Russians are the owners of the mortgage apartment. There are situations when this housing must be sold to, for example, to buy another more expensive. Such a deal is possible, but it has some characteristic features, which are ready to tell 100Kreditov specialists. First, you can sell the apartment, but only with the consent of the mortgage bank. Secondly, we must be mentally prepared for the fact that the procedure for selling the mortgage property - the process is not too fast and difficult. You must first meet with an employee of a financial institution. The banker will tell his client about any conditions that must be done to ensure that the mortgage bank has agreed to sell the apartment. Of course, we must first recall the period of the moratorium on early repayment of the loan. If the moratorium has expired, only if it makes sense to keep the conversation going on. There are several options for housing sales in pledge for a mortgage bank. First, we consider the most common. In practice such a scheme selling meets more often, because it is less risky for financial institutions. After obtaining a mortgage bank agreement for sale housing, and after ascertaining the amount owed on the loan at a certain date, the borrower enters into with the buyer flats tentative agreement, which must necessarily be notarized. The buyer pays the debt on the loan at the expense of a mortgage bank, so credit is repaid. Mortgage bank gives a borrower a mortgage and certificate of non-credit debt. Next, an apartment owner in the registration office shall register the removal of encumbrances on the dwelling. In addition, he prepares to transfer ownership to the property sold to the buyer and the sales contract. If in addition to paying the loan, the seller must pay the buyer has any amount (if the value of home sales is larger than the current debt on the loan), the monetary difference between the day the transaction is placed in the custody of any cell bank. Access to the money the seller receives after completing a registration service contract of sale. There is another option of selling real estate. The client comes to a mortgage bank for permission to sell the house, located in the credit. If a financial institution has no objection, housing put up for sale. Customer places a deposit box bank the amount necessary to repay the loan. The difference between the selling price of the apartment and the amount of debt on the loan, if any, is placed in another deposit box. Further, mortgage bank reported to the registration service that loan paid off, the organization sends a mortgage. Then, there is a registration transaction of purchase and sale of property and transfer of ownership, such a first embodiment of the transaction. The difference between the cost of housing and the amount paid by the seller receives a loan after a full record of all documents. There is another house sales scheme: the borrower gives a mortgage bank customer who is willing to get a loan to housing themselves. If bankers approve a new lender, the loan they apply for it. The bank signed an agreement to transfer the debt to the buyer and the transfer to him ownership of the property. Apartment, as before, will be pledged to the bank. Any of the options for the sale of mortgage housing is not as simple as it may seem at first. As with any financial transaction, the sale of mortgage housing is accompanied by certain risks for all participants, takes a great amount of time. But in spite of many difficulties, such deals are common. For those wishing to implement such a property can only decide whether to choose the optimal scheme of residential sales and assess the risks on their own, or better to seek assistance from professionals working in the mortgage real estate market.