Buy an apartment under the loan: two options
Ukraine real estate loan
Purchasing an apartment located in a bank mortgage loan can be a very good deal.When a person is an urgent need to return the loan to the bank, but no money,it becomes quite tractable in terms of price for an apartment.
Since such transactions are in a crisis is not uncommon, the banks have developed some absolutely legal scheme of sale of real estate,located in the pledge to the bank.
Property in the pledge, the debtor remains in use, and may be alienated only with the consent of the mortgagee, or after removal from the property encumbered. Therefore, before choosing the mode of acquisition of such property, you must make sure - if you have a choice.It depends on the decision of the bank, the mortgage by which the purchased apartment.
Buying an apartment under the loan: a safe option
The first version of buying a flat - a desire to accompany the bank transaction. Bank in this case provides a cell and communicates with the registration service.The buyer brings the money to repay the loan in the bank box, but the difference between the outstanding loan and the value of the apartment - in the second cell in the normal conditions of purchase and sale of apartments.According to Hope Volokhova, Deputy Director General of the agency's exclusive real estate in Manor, it is the safest way to purchase the mortgaged flats.
Following the transaction, and passing the state registration of the bank a balance owed on the loan and the seller the difference between the sale price and the balance of the debt. Such a transaction is safe for both the seller / buyer and for the bank.The buyer provides their funds under the condition of seizure their bank employee only after the registration in his name ownership of an object, and the bank knows exactly what the funds are received, as laid in the cell, rented a creditor banks.
Without the consent of the bank to make such a deal can not be explained Hope Volokhova. But with the onset of the crisis and the increasing number of credit default borrowers banks willingly agree to such variations.This residual amount of the debt must be less than or equal to the value of sales of flats, otherwise the seller would need to ensure dovnesenie money in the bank to pay the purchase price difference of the object and the balance of the debt on the loan.
Buying an apartment under the loan: a preliminary agreement
The second version of the sale of an apartment, which is a pledge, assumes the conclusion of the preliminary contract with the buyer.This requires the consent of the bank's early payment of the loan and determine the specific amount on a specified date.
Then the buyer transfers funds to the account of a credit institution, the mortgage by which the apartment.After repayment of the loan at the hands of the seller appears to document the absence of credit debt, which allows you to register the withdrawal of charges.
Next, you need only to register the contract of sale and using a cell depository to pay the seller the remaining difference between the amount of the outstanding loan and the value of the apartment.
According to Hope Volokhova, in conducting such a transaction at greater risk of the buyer, as in the case of violation by the seller prior contract, he may have problems returning already made money,often range from 50% to 90% of the value of the object.
The only plus in this case is the lack of need for harmonization of sale with the bank, because the seller actually stops with him all the credit obligations of the relationship, even before a formal contract with the buyer.Giving consent to the transaction costs only if the balance on the loan, and therefore the amount of advance are not significant, and the bank refused any other options for disposition of the object.
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