How to sell an apartment that is in the mortgage of the Savings Bank. How to sell an apartment in a Sberbank mortgage? Is it possible to sell an apartment in a Sberbank mortgage? The process of buying real estate from a bank is as follows

Due to the high cost of real estate, not everyone can afford to buy a home for cash. Many are already accustomed to the fact that there is mortgage lending and actively use this service. An apartment purchased not for cash, but with a mortgage, is a collateral.

Most believe that the acquired housing on a mortgage cannot be sold until the obligations are paid off in full. In practice, everything looks different, but the process of registering a sale transaction is formalized in a different way.

Mortgage in Sberbank

Mortgage products are practically the same. The advantage of a mortgage with Sberbank is that the financial institution does not change the terms of use of the loan agreement. Today, this banking institution offers one of the lowest interest rates, the minimum package of documents, and fast processing. That is why the bank has won trust and respect among the population of the Russian Federation.

Bank mortgage programs:

lending to a young family: at the time of obtaining a loan, the spouses should not be more than 35 years old, there is a minimum down payment, the mortgage is issued at a small percentage;
primary housing: a mortgage is issued for objects under construction, the main advantage is that the bank acts as a partner and guarantor in this transaction;
ready-made housing: a possible option for the acquisition of both primary and secondary housing;
minimum package of documents: to submit and consider a loan application, you need a passport and any identity document, in this case the interest rate will be slightly higher than usual;
real estate outside the city: the program allows you to buy a country house;

Which leads to the emergence of the sale of the mortgage

There can be many reasons for the sale of housing. For example, over time, he became unhappy with the area, the location of the property, urgent relocation, or the lack of funds to fulfill credit obligations in full.

Lack of funds

Sometimes you have financial difficulties to meet your loan obligations. There may be several reasons:

loss of work (in a crisis, this is important);
decrease in family income;
illness of the borrower or his family members.

Mortgage is a long-term type of lending, of course, we hope and calculate everything to the smallest detail when registering, but force majeure happens in life. In such a situation, the only way out is to sell a mortgage apartment. It is also worth considering that if the loan is not repaid in a timely manner, the bank has every right to put the apartment up for auction.

Desire to change the location of housing

Sometimes there are situations when housing ceases to suit, and then the owners decide to sell it. For example, you have changed your place of work and instead of the usual 40-50 minutes you need to get there for 2-3 hours. This situation causes a number of inconveniences, and therefore the owners find options that are acceptable to them.

Sberbank's requirements for the sale of mortgaged housing

The bank does not have the right to refuse its client in the sale of mortgaged real estate, which is why a sale mechanism has been developed.

To carry out the transaction, you must notify the bank in advance. To do this, you need to collect and submit to the financial institution strong arguments. Of course, it is unprofitable for the bank to carry out such operations, since this can carry credit and operational risks, as well as the loss of customers.

You must obtain written notice from the financial institution to authorize the sale of the property. Usually, after notification, the bank prepares a letter of authorization for the sale to a third party. If you receive a refusal, you can appeal it by contacting the central bank. Please inform your credit manager before contacting a financial institution. We assure you that no bank wants to inflate the issue to the level of a regulator. As soon as the coveted letter of permission is in your hands, proceed with the preparation of the necessary documents.

Before selling real estate, you will need to pay off all accrued interest, if any.

Method of selling a property

The best option, which does not involve risks, is the full repayment of the mortgage. If you do not have this opportunity, then:

lend the required amount of funds;
pay off the mortgage in full;
after paying off the mortgage, you become the owner, and this gives you the right to remove the encumbrance (withdrawal from the mortgage) on the real estate;
carry out a transaction for the sale of an apartment;
return the previously taken debt.

Another option is to receive a deposit from the buyers of your property.

Methods of selling real estate with the permission of Sberbank

There are several options, and all of them are successfully practiced.

The new buyer purchases an apartment from the borrower, while using a safe deposit box. For this, 2 cells are drawn up. One contains the full amount of the cost of the object, and the second contains the difference from the cost and the resulting debt on the mortgage. One cell belongs to the seller, and the other belongs to the bank.

The buyer can purchase the property using a letter of credit account. The account is opened at the bank, where the mortgage is directly issued. The funds are transferred on the day of the transaction.

The method of full repayment of the loan agreement with the consent of the bank. For this, permission is obtained from the bank, a sale and purchase agreement is drawn up, in accordance with the law, and a transaction is carried out.

Methods of Selling Real Estate Without a Bank Permit

This method does not involve the participation of a banking institution. To carry it out, you must:

take documentary evidence, a certificate of mortgage debt from your loan officer;
clarify information about the absence of penalties for early repayment of a mortgage;
conclude a notarial agreement between the seller and the buyer;
pre-agree on the receipt of the required amount of money, as an option, it can be transferred to a bank account or use a depository;
after that, close the mortgage debt in full, the loan officer will issue you a confirmation receipt order indicating in the purpose of payment on the complete closure of the mortgage;
after that, the bank removes the encumbrance from the property, and a certificate is issued on the closure of the mortgage and on the absence of debt;
then it is necessary to register for the transaction and remove the restriction from it;
after receiving all the documents on the closure and repayment of the mortgage, we go to the notary chamber to draw up the sale and purchase agreement.

Mortgage loan repayment terms reach 30 years. Given that plans and priorities may change during this time, borrowers are prudently interested in how to sell an apartment in the Sberbank mortgage as quickly and without problems as possible.

Two ways to sell a mortgage apartment

When drawing up a purchase and sale agreement, the borrower and the bank (mortgagee) must act strictly in the legal field, guided by the provisions of the current legislation, in particular, the Law on Mortgages and the Civil Code of the Russian Federation.

The borrower is given the opportunity to sell a mortgage apartment by re-issuing a loan to the buyer or repaying the debt ahead of schedule at his expense. The borrower chooses the optimal method based on the situation.

Sale with early loan repayment

The procedure for selling an apartment in a Sberbank mortgage with full repayment of the loan debt is the most simple and does not require much time. Its main stages:

Search for a buyer.
Drafting a preliminary contract.
Submission of an application to the bank for early repayment of the debt.
Payment of mortgage debt.
Removal of encumbrances.
Signing of the main sales contract.
Registration of the rights of the new owner.

Together with the buyer, a preliminary contract for the sale and purchase of an apartment in the mortgage of Sberbank of the Russian Federation is drawn up: a sample of such an agreement can be drawn up on the basis of the standard form of the bank. At this stage, it is possible to pay an advance to the seller.

Further, an application is submitted to the bank, in which it is necessary to indicate the exact date of repayment of the debt and the amount, as well as the account from which the funds will be transferred. In this case, the date indicated in the application must be a working day.

There is no charge for early repayment of the debt.

After the debt has been paid, actions to remove the encumbrance from the housing are agreed with the bank representative. Usually the bank issues a mortgage, which contains a mark on the full repayment of the loan and related documents. The borrower submits these documents to Rosreestr, where the encumbrance is removed and a corresponding statement is issued.

Then a full settlement takes place: the buyer pays the difference between the amount of the mortgage debt and the market value of the home. The main contract of purchase and sale of the apartment is signed. Then it remains to register the rights of the new owner of the apartment with the state registrar.

Settlement between the buyer and the seller can be made using an individual Sberbank safe.

Renewal of the mortgage agreement to another person

The borrower can transfer his rights and obligations in relation to the mortgage property to a third party. After re-signing the contract, the buyer assumes the obligation to repay the debt.

Selling an apartment with a replacement borrower is possible only with the permission of Sberbank.

The bank will agree to the procedure only if the borrower can convincingly justify his intention to sell the apartment for which he has not yet paid off the debt. He must have really weighty reasons, for example, force majeure, disability, forced relocation to another country. Step-by-step instructions for selling an apartment on a mortgage from Sberbank in 2017 includes the following points:

Determining the amount of debt.
Preparation of a package of documents.
Checking the new borrower by the bank.
Obtaining permission from the bank.
Signing of a new agreement.
Cancellation of the previous contract
Settlement between buyer and seller.
Registration of property rights.

When deciding how to sell an apartment with an encumbrance with a Sberbank mortgage, it must be borne in mind that its buyer will have to undergo a full-fledged check, similar to the one that the borrower himself had previously undergone.

A potential buyer of mortgage real estate must meet the established requirements regarding age, citizenship and work experience, credit history.

It is necessary to prepare documents in advance for the sale of an apartment on a Sberbank mortgage. The seller will have to write a statement about the cancellation of credit obligations and their assignment to a third party who is ready to take responsibility for repaying the debt. The buyer will be required to:

statement;
internal civil passport;
a copy of the work book (notarized);
income statement (for a period of 6 months);
completed questionnaire.

If 6 months or more have passed since the inspection and appraisal of the apartment, the appraisal procedure will have to be repeated.

The documents to be signed under the transaction, for example, the main contract for the sale and purchase of an apartment on the mortgage of Sberbank (sample of 2017), are located on the official website of Sberbank of the Russian Federation. It is better to study them in advance.

The buyer pays the seller the difference between the balance of the mortgage debt and the value of the property, and since mortgage housing is usually sold at a discount, the deal will be beneficial not only for the seller who gets rid of the debt, but also for the buyer who buys the property at a price below the market average.

Not satisfied with mortgage housing - what to do?

When the financial condition of the borrower improves, he may need to sell the apartment in the Sberbank mortgage and buy another. To do this, he chooses one of the above methods and, after removing the debt, concludes a new mortgage agreement for the purchase of a larger apartment. At the same time, he will have to prepare a full package of documents that Sberbank will check with its characteristic scrupulousness. The property goes through a full inspection and evaluation procedure.

Transaction amount

Regardless of how the sale of a mortgage apartment pledged by the bank is carried out, Sberbank determines the amount of debt, which consists of the body of the loan and the accrued interest. Most often, the interest on the loan is paid directly by the borrower - they do not relate to the value of real estate and are considered as remuneration to the bank for lending services. Also, the borrower is fully responsible for delays in payments until the transfer of loan obligations to the new owner (buyer).

When selling a mortgage apartment, the borrower can not only pay off his debt to a financial institution, but also benefit from a favorable market situation and an increase in real estate prices. If at the time of the sale of the mortgage apartment, a significant part of the loan has already been paid, and the remaining debt is less than its current value, the difference is paid to the borrower.

The nuances and risks of selling a mortgage apartment

Considering that Sberbank of the Russian Federation carries out mortgage lending under several programs, you need to understand that each case has its own nuances. If the contract was concluded by a married borrower, then his spouse is a co-borrower. Therefore, when considering an application for the sale of an apartment with an unpaid debt, where the main reason is indicated by the loss of the borrower's ability to work, the bank will prefer to impose all obligations on his spouse.

Selling an apartment purchased under a military mortgage is possible, but only when a significant part of the debt has been paid. In this case, the approval of Rosvoenipoteka, acting as one of the parties, will be required. If the apartment was bought on a mortgage with the involvement of maternity capital, you can sell it after obtaining permission from the guardianship authorities or after all its owners have reached the age of 18.

Acting in the legal field and observing the legally established procedure for the sale of mortgage housing, the borrower does not risk anything. Otherwise, a foreclosure may be imposed on the property. Moreover, the bank may declare the transaction invalid or demand early repayment of the debt in full and with the interest due.

In order not to have problems with the buyer, it is advisable to first make sure of his solvency and only then propose a candidate for consideration by the bank's employees.

The buyer should carefully approach the purchase of a home with an outstanding debt. He must be aware of all the features of the transaction - this will help to exclude his refusal at any stage of the procedure, including at the very last moment - when signing the contract.

Knowing how the sale and purchase of an apartment goes through a mortgage at Sberbank, the borrower may not be afraid that his debt will become "overwhelming". In the event of a deterioration in his financial situation, he will be able to free himself from it at almost any moment. If there is an opportunity to improve their living conditions, then the mortgage will also not become an obstacle. Under certain circumstances, the sale of a mortgage property brings significant financial benefits.

How to sell an apartment with a Sberbank mortgage, if you really need it, because:

financial capabilities have changed and do not allow making payments in full;
the co-borrowers decided to divide the living space, which often happens when spouses divorce;
there was an opportunity to change housing to a better one;
it is necessary to change the place of permanent residence due to a change of job, for family reasons, etc.

If the home owner has his own funds in the amount of the loan balance and the amount of interest accrued since the last payment, then it is enough to simply close the loan. The bank will issue the necessary permission, and the justice authorities will register the transaction in accordance with the general procedure.

If there are no such amounts, then you will have to look for other ways. There are several legal ways to sell an apartment mortgaged with Sberbank.

The main problem in such a situation is to come to an agreement with the buyer, because he bears significant risks, and obtain permission from the bank.

Confirmation of the transfer of money by drawing up and transferring receipts to the future homeowner is a great way to convince him of his good intentions, strengthening his confidence in the correctness and legality of the transaction.

The most difficult thing when working with a lender is communicating with his staff: people will have to do a lot of work, spend their time, take risks.

If the reason for listing the mortgaged apartment is financial difficulties, then it will be easier to obtain a permit. This is almost the only situation when a lender will voluntarily agree to a deal. Moreover, it will facilitate its conclusion (ensure the timely preparation of documentation).

First, you should personally contact the bank and explain the situation. If a verbal agreement has been reached on the sale of the pledged item, you can proceed according to one of the schemes described below. If a refusal to assist is received, you should contact the creditor in writing, either by sending him a letter or by submitting an application. The appeal, which indicates the reason for possible non-payments, should be accompanied by confirmation of the deterioration of the financial situation:

certificate of disability;
a certificate from the labor exchange about registration as an unemployed person, etc.

Productive negotiations are possible only if the terms of the mortgage agreement are met, i.e. upon payment of the due amounts on time.

Sberbank is, first of all, a commercial organization, the main purpose of which is to make a profit, therefore it is not interested in early repayment of loans. But there is also a requirement of the Central Bank on the quality of the loan portfolio, i.e. the allowable amount of problem (overdue) loans. Violation of these conditions is fraught with license revocation.

Therefore, the bank, despite the loss of profit in the form of interest on the mortgage loan, is interested in a peaceful settlement of the conflict. It is more profitable for him to give permission to sell the pledge than to have problems with the Central Bank, the courts and independently sell a mortgage apartment.

The purchase and sale of an apartment in terms of resolving issues with a credit institution is carried out by the borrower independently (or with the involvement of a realtor). The interests of the creditor are insured by drawing up a notarized agreement between the buyer and the seller. The obligations are written in the paper:

the buyer to pay off the mortgage;
the seller - to sell the property on certain conditions.

The money received under the transaction is sent to repay the loan; in exchange, Sberbank issues a certificate of no claims for the object. The paper is presented to the registering authorities when registering the transfer of ownership of the object on the basis of a purchase and sale agreement signed by the parties.

Buying a loan

The purchase of a loan means the actual change of the borrower and the owner of the collateral object, i.e. the encumbrance remains, but the buyer will be the payer.

The operation is possible when it comes to secondary housing. If the object is an unfinished apartment, then the scheme is applied only when the purchase was made under an equity participation agreement. In such a situation, the developer's permission will also be required. The transaction is drawn up in the form of an assignment agreement, according to which the buyer, after the delivery of the housing, will acquire the right to claim this object. The document must be approved by the bank's legal department.

For this scheme, you will need to provide the bank with confirmation of the buyer's solvency and reliability:

passport;
Sberbank card, which receives salary (pension, other regular income). If the employer is not accredited with Sberbank, a 2-NDFL certificate and a copy of the work book, certified by the employer, will be required. But the terms of lending in terms of the interest rate will be less favorable than for employees of accredited organizations;
a completed questionnaire, which can be obtained from any department.

The submitted documents and the identity of the applicant are checked by the bank's security service. If the potential borrower is married, then his spouse will necessarily be involved as a co-borrower, i.e. he will need to provide all those documents that are listed above.

As a result of the transaction, the buyer must become a new borrower. The basis is an agreement on the transfer of debt, signed by:

an authorized representative of the bank;
the seller (current borrower);
buyer (future borrower).

The document contains the buyer's obligation to pay off the debt in full. When registering the transfer of rights, the certificate will state the fact that the apartment is pledged with Sberbank, but another owner is indicated.

The risk of cancellation of the transaction and the loss of the advance paid, the amount of which will correspond to the amount of the seller's mortgage debt, is significantly reduced if the transaction is concluded using safe deposit boxes.

In one of them, during the "intertime" period (when the buyer has already given the money, and the encumbrance has not yet been removed, the transfer of rights has not been registered) money will be kept in an amount equal to the amount of the mortgage debt, and documents confirming the absence of bank claims on this subject of pledge ... In the other, the remainder of the contractual amount due to the seller.

Initially, Sberbank gives permission for the sale of an apartment that is in a mortgage. The seller and the buyer sign a sales contract. The document is submitted for state registration.

The money required to pay off the debt and the documents for the removal of the encumbrance are kept in the cell until the agreement is transferred to the registering authorities. The buyer takes the papers for the removal of encumbrances and transfers them to the justice authorities, which will have a legal basis to register the transaction and transfer of ownership. After registration, the seller will withdraw the remaining amount.

Deposit

Before you sell an apartment that is in a Sberbank mortgage, you need to open a deposit (irrevocable letter of credit) in this institution. The scheme is similar to the procedure for the sale of the subject of pledge with its payment through bank cells.

On this account, the buyer will pay an amount that will be taken into account as a payment for the property. Part of the money will be used to repay the loan, the part due to the seller will be paid to him only after confirmation of the registration of the transfer of ownership (submission of the purchase and sale agreement with a mark of registration).

Employees will independently transmit information about the closing of the loan to the justice authorities. After that, the transaction and the transfer of ownership are registered.

An apartment in a Sberbank mortgage can be sold without his notice. A similar method is practiced if, for one reason or another, the lender refuses to consent to the sale of the pledged item.

The scheme is risky for the buyer, because he will have to pay off the debt of a stranger - close the seller's loan ahead of schedule - without a guarantee that in case of a breakdown of the agreement he will be able to return what was spent. Sberbank will issue a document confirming the repayment of obligations. The paper is submitted to the registering authorities, which, on the basis of the sale and purchase agreement, will formalize the transfer of ownership in the usual manner.

Relending

If a buyer is found, but none of the methods described above suits the parties, the seller has the right to take out a loan for the amount of the remaining mortgage debt in another bank. Naturally, if this is possible based on the conditions offered by competitors and the seller's solvency, the presence of a large loan balance will reduce the amount of monthly income taken into account as an indicator of solvency by the amount of monthly mortgage payments. This fact greatly reduces the chances of getting another loan.

Many people doubt whether it is possible to sell an apartment in a Sberbank mortgage? Some are convinced that the pledged property is not for sale. In fact, the sale of a mortgage apartment is not prohibited. And no exception.

Either obtaining consent, readiness for lengthy and complex registration.
Or an attempt to find a buyer for a mortgage apartment, with his help to solve financial problems with the bank, and sell him already free of mortgage housing.

If in the first case the seller can count on an amount less than the price of a similar "free" apartment, then in the second he will receive even less, and finding a buyer will be even more difficult.

But this is just the "big picture" that a lucky coincidence or home salesperson's efforts can greatly improve.

Reasons and conditions for the sale of a mortgage apartment

To a large extent, the price and other conditions for the sale of an apartment in a mortgage (i.e., pledged by Sberbank or) depend on the individual circumstances of the seller.

Someone is selling an apartment because they have no funds for further loan payments.
Someone because they are able to pay for more expensive housing and want to move into it.
Someone is forced to sell by personal circumstances: replenishment in the family, the need to move, divorce, etc. There are no general rules here. But in practice, there are some repetitive dependencies:
The worse the situation and financial prospects of the seller, the less he will receive from the sale. Many buyers tend to take advantage of the "forced sell".
The lower the offered price, the higher the buyer's risks. Sellers often reduce the price when they are unable to independently solve problems with the bank and the execution of the transaction. But there is no guarantee that the buyer will be able to solve these problems.

Sale of a mortgage apartment with the consent of Sberbank

The sale of an apartment that is in the mortgage of Sberbank presupposes his obligatory consent. And to obtain this consent, the recipient of the mortgage loan must personally contact Sberbank and explain his motives to them.

Most likely, Sberbank will agree:

Those who are unable to pay the loan.
And those who are ready to pay mortgages for more expensive housing.

In the first case, the Bank avoids forced evictions, home sales and related problems.

In the second case, the Bank hopes to earn more on the same client.

How to sell an apartment in the mortgage of Sberbank

The operation of selling an apartment on a mortgage is as follows:

The borrower informs the bank about the desire to sell the apartment. Explains the reasons.
Receives the consent of the bank for the operation.
The bank offers the client to conclude a preliminary sales and purchase agreement.
The seller receives an advance payment and settles the debt to Sberbank.
The seller and the buyer draw up not a preliminary, but a final agreement for the sale of an apartment.

Another option, much more rare, is to reissue the mortgage agreement to another person. There is a kind of "sale of debt", ie. a contract for the transfer of debt to a third party is concluded. In this case, another borrower starts paying the mortgage loan. All rights to the housing remaining pledged by the bank are transferred to him.

There is no certainty that the buyer of the apartment will meet the requirements of Sberbank. And there is even less chance that the Bank will agree to issue a loan to a new borrower on the same terms.

Both the first and second cases carry some risks for the buyer.

Having repaid the loan for his funds, the owner of the apartment can refuse to continue the transaction. After all, it is impossible to conclude an agreement on the sale of living space until it is released from the pledge at the bank. Those. we will only talk about the debt of one individual to another, and not about the obligation to transfer the apartment into ownership.

The sale with the consent of Sberbank has one important advantage - the Bank can act as a guarantor of the transaction. And the buyer will be able to transfer money directly to the Bank to repay the loan.

We have already considered the buyer's risk, and the seller's risk is that the Bank may object to the transfer of ownership. In this case, you will first have to pay for the apartment in full and only then sell it.

There is also no talk of guarantees from Sberbank during the operation.

In general terms, a sale without the consent of the Bank follows the same rules. But some precautions are added:

The seller receives a certificate from Sberbank on the amount of the unpaid balance for. And presents it to the buyer.
The preliminary contract of purchase and sale of an apartment is drawn up by a notary.
The buyer withdraws two safe deposit boxes at the depository. One contains the amount to pay off the mortgage loan, the second is the difference between the price of the apartment and the amount to be repaid. The money from the first cell goes to the Bank, the seller gets the money from the second one.

Another way is to open a letter of credit account with Sberbank to which the buyer pays the entire cost of the apartment, and the seller receives the amount minus the debt to the Bank.

And one more option, for sellers with high current income.

Take a consumer loan at any bank.
Pay off the mortgage from his funds.
Sell an apartment unencumbered by a pledge.

But in order to get comparable (in the average statistical case) with half the price of an apartment, you need to have a very high and stable income.

Also, when selling without the consent of the Bank, counter agreements with various kinds of obligations can be used. This is done in order to protect the buyer from the buyer's desire not to fulfill the preliminary sale and purchase agreement after the debt to Sberbank is repaid. An approximate sample of such an agreement can be found on the Internet, it is better to choose "fresh" options, preferably in 2020, in order to prevent possible inconsistencies with current legislation. However, this concerns only the form of the agreement, but its content, i.e. finding obligations that the seller cannot violate becomes a buyer's problem.

But the main important aspect for almost any aspect should be the understanding that all the difficulties and risks of the transaction proportionally reduce the price of this housing.

Sometimes the situation develops in such a way that the borrower is forced to sell the acquired real estate without repaying the loan taken for it. It is necessary to study in advance how to sell an apartment in the mortgage of Sberbank, which should be paid special attention to.

The main reasons for realizing credit housing

By issuing a mortgage to a client, Sberbank expects to receive a certain stable profit for several years. The debtor pays off the loan received by prudently distributing his expenses. But sometimes the life situation changes, and the borrower is forced to sell credit real estate.

The main reasons forcing to sell credit property are:

a sharp deterioration in the financial situation, the inability to pay monthly payments;
moving to another area;
desire to expand living space and purchase more spacious housing.

To sell a home taken out on a mortgage, you need to go through several stages:

search for a buyer;
receiving money to repay the loan balance;
closing the loan;
removal of encumbrances from real estate;
closing the purchase and sale transaction.

Benefits of selling real estate by yourself

The debtor has no right and cannot to sell pledged property without the consent of Sberbank. In case of a sharp deterioration in the financial situation, he must inform the bank about the impossibility of further payment of the mortgage taken. If the client cannot independently decide how to sell the property, Sberbank sells it on its own behalf.

The sale of property by a banking organization is not profitable for the client, since the bankers are interested in realizing the collateralized property in a short time and paying off the amount of the debt. The apartment will be exposed at a price lower than the market price, it is more profitable for the borrower to find a buyer on his own.

The client should discuss with the Sberbank manager the problematic issues with the repayment of the mortgage, choose the optimal terms and options for how to sell the property.

The main methods of selling secured housing

Selling property pledged by Sberbank is not easy. Many buyers are afraid of going into a mortgage deal out of fear of losing their money. The task of the borrower is to convince the buyer of the purity of the sale, to secure a guarantee and support from the banking structure. There are several ways how to sell a Sberbank mortgage apartment.

Realization of housing after full loan repayment

The most acceptable option for bankers is the complete repayment of the borrowed loan by the debtor, the removal of encumbrances from the housing and its further sale. The seller will be able to use this option, provided that he manages to take the missing amount in the amount of the loan balance from a third party - relatives, close ones, or as a loan from another financial institution. But with the deterioration of his financial and material situation, such an option is not available to the borrower.

Realization of housing by the bank

In this case, the borrower does not make any effort to sell the apartment, all actions are performed by the bank. Sberbank sells the collateralized real estate, repays the issued loan, and gives the remainder, if any, to the client. Bankers are interested in paying off the debt in a short time, quickly selling the problem property. After paying interest and the body of the loan, the borrower may have a minimum amount left.

Real estate sale by the borrower

A bank client can independently search for a buyer and arrange a sale and purchase without involving bankers. In this case, the risks increase on the part of the buyer, who needs to secure the transaction as much as possible. The buyer pays the remainder of the mortgage by concluding an advance payment agreement and a preliminary sale and purchase agreement with the seller. After repayment of the loan, the seller removes the encumbrance from the apartment and closes the deal with the buyer. The main risk for the buyer is the time period, which can be up to 2 weeks if the mortgage on the mortgage apartment has been transferred by the bank to a third party.

If the buyer does not have enough own resources to fully pay for the purchased apartment, he can re-register the mortgage for the apartment in his own name. The bank will give him a loan for the missing amount. The buyer will re-register ownership and credit.

Some real estate agencies provide their clients with a debt redemption service for a bank for a certain fee. The agency transfers the funds to the borrower to repay the balance of the loan, and after removing the encumbrance and receiving money from the sale of real estate, the client repays his debt to realtors. Constant control of the transaction by the real estate agency specialists reduces the risks for the buyer to be left without money and an apartment.

If the owners of the mortgage apartment are minors, the sale will require permission from the guardianship and guardianship authorities.

When deciding to purchase an apartment on credit, it is recommended to carefully study the current programs of leading banks, pay attention to mortgages with state support, the interest rates for which are lower than in other loan products.