How not to buy a credit apartment
How not to buy a credit apartment
The realities of modern life are such that the majorityapartments are bought on credit and are pledged to the bank until the entire amount of debt is fully paid off. When selling collateral real estate, it is necessary to agree a sale transaction with the bank, after which it will be possible to formalize the ownership of the buyer. In order not to buy a credit apartment, you should follow the elementary rules of security of the transaction.
You will need
- - an extract from the single register;
- - passport;
- - application;
- - receipt for payment for public services.
Instructions
1
The safest option for buying an apartment -turn to a reliable real estate agency, conclude a contract in which a separate item indicates that the client instructs realtors to check the property they buy for the purity of the transaction.
2
Paying for the services of a real estate agency, a largepart of the amount for the services you provide for checking the purity of the transaction. Specialists who systematically carry out the registration of apartments are well acquainted with all the risks and check the property in all parameters, including the mortgage, which is formalized upon receipt of a large amount of a targeted or mortgage loan.
3
If you do not plan to contact intermediaries and want to save on their services, you will have to check the purity of the transaction yourself.
4
Often, the owner does not hide that the apartmentis in pledge with the bank and the loan for it has not yet been paid. But if the owner claims that the entire amount of the loan has been paid, it will be absolutely superfluous to verify this.
5
When registering a security of ownershipregister with the introduction of restrictions in a single register. Extract from the register does not apply to private information, so you can get it by contacting the Federal Office of the State Registration Service with an application, passport and receipt for payment for services.
6
After seven calendar days you will be given an extractfrom the archive. If the apartment is pledged to the bank, it means that the loan for it has not yet been paid off, since after a full payment of the mortgage or a targeted loan, the mortgage from the real estate is withdrawn.
7
You do not have to apply to additionalinstance. There is no need to make requests to banks. One extract from the single registry will be enough to get acquainted with all the information and not buy a credit apartment.
