Tip 1: How to buy an apartment on bail

apartment can be purchased by filling in pledge available immovable or movable property.But most banks make out long-term loans secured bought apartments at the same time making out a mortgage or consumer loan and pledge agreement a regulated article number 339 of the Civil Code.
you need
  • - passport;
  • - a package of documents for the loan;
  • - documents of title to the property, is issued as collateral;
  • - notarized permission from the other spouse, and all co-owners.
Guide
1
If you buy an apartment and made out in a pledge available property, the initial fee may be minimal.Deposit shall be in accordance with Federal Law № 102-F3 by 16.07.98.and article number 334 of the Civil Code.
2
To obtain a loan you need to fill out a questionnaire issued by the bank, present your passport, income statement form 2-PIT.For registration of the pledge contract and shall pay to the bank a certificate of property or documents of title to the property.
3
To order any property in
the possession of several owners, you will need to obtain notarized permission from all co-owners (article number 244 of the Civil Code).If you bought the property, being in registered marriage, for registration of a pledge
and you need to get notarized permission from the other spouse (article number 256 of the Civil Code, Article 34 of the RF IC number).
4
pledge any property title deed is issued, which is registered in FUGRTS.The entire period of loan repayment the mortgaged property will be located on your property, but with imposed restrictions.
5
If you do not have any valuable property, and you have nothing to give in collateral, the bank to get a loan, having to bail bought an apartment.
6
loan is granted on a general basis and for an apartment you have to make an initial fee the bank said.Most often, the first installment is dependent on your income, the confirmed information of the form 2-PIT, the amount of credit available and the purchase price.
7
you complete your purchase of an apartment in the property with the restriction in the form of a pledge well.Deposit is issued the title deed with registration FUGRTS.
8
Once you pay off the entire loan, the bank will receive a certificate and present it to the FUGRTS.Restrictions on property rights will be removed and the registry will make appropriate notes.

Tip 2: How to buy an apartment in the mortgage from the bank

Buying an apartment, which is pledged to the bank, is often a better deal than the traditional.This is due to the fact that the sale of collateral quickly interested not only the landlord but also the bank.Therefore, to buy an apartment in pledge, it can be much cheaper.And besides, there are several ways that this can be done.
How to buy an apartment in the mortgage from the bank
Guide
1
Buy an apartment with the help of the bank.The financial institution will provide you with a dedicated bank for this purpose the cell in which you later put the money for the purchase.Please note that the full amount will need to be divided into two parts: one - to repay the loan to the bank, the second in the difference between the outstanding loan and the difference in price.Money from the first cell will take the bank, the second - the owner of the premises that sells this living space.As recognized experts, this is the safest way to purchase real estate collateral.Security is provided by the fact that money from both cells seller and the bank will be able to pick up only after your apartment in your property.
2
You can buy collateral apartment and a preliminary contract.In this case, the landlord must obtain permission of the bank to the early repayment of a mortgage loan.After that, the potential buyer will pay the outstanding balance for the owner.Then the latter gets his hands on the inquiry about absence of debt and enter into full ownership.Since then, the purchase transaction is conducted on regular basis.The buyer also must pay the seller the difference between the debt and the remainder of the price.The method of calculation of any selected - deposit box, cash, transfer from one account to another.However, this method is called experts very dangerous for the buyer.It is not known how to behave seller.Maybe get your hands on the inquiry about absence of debt, he simply issue all over and decided not to sell.
3
cost apartments, located in the pledge, somewhat below the average market price.This is due to the fact that the living space acquires a certain time ago, when property prices were lower.And as to sell it, and the bank and the seller need to hurry, you cheat the price for it, they will not.But we should not delude ourselves that everything will be easy and smooth.Observe and potential risk and complexity.For example, in some cases you may have to be removed from the apartment the status of the collateral.This extra financial and time costs.
Note
Carefully choose the bank, the mortgaged property which you want to buy, because if he goes bankrupt during a transaction (that today are not uncommon), then return the money to be problematic.
Sources:
  • collateral property
Sources:
  • buy an apartment on bail

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