Можно ли продать ипотечную квартиру?

Автор: admin  //  Рубрики: Городская недвижимость

Можно ли продать ипотечную квартиру 1

Можно ли продать ипотечную квартиру?

Желание владельца продать ипотечную квартиру   может возникнуть по самым разнообразным обстоятельствам таким как, например, необходимость переехать в более просторную квартиру или приобрести нежилую недвижимость.

Однако наиболее часто эта необходимость возникает в случае, когда заемщик не правильно оценил свои материальные возможности и не в состоянии дальше  выплачивать ипотеку.

В подобной ситуации многие люди задаются вопросом, можно ли будет продать ипотечную квартиру?

Ответ – да. Можно.

Более того, на сегодняшний день разработаны подробные процедуры продажи такой квартиры. Однако занимаются проведением таких сделок далеко не все риелторы.

При продаже ипотечной квартиры существуют определенные сложности, а банки, при этом, принимают в такой  сделке самое непосредственное участие и готовы сотрудничать далеко не  с каждым агентством.

Первым делом надо осмыслить, как продать ипотечную квартиру, если задолженность заемщика перед банком еще не погашена.

Для начала владельцу необходимо уведомить об этом банк. Специалисты банка тщательно проанализируют создавшуюся ситуацию и  примут решение. В каждом конкретном случае решение принимается индивидуально.

В случае положительного решения банка, Вам необходимо будет приступать к поиску покупателя и подготовке к оформлению сделки.

Самым распространенным способом продажи ипотечной квартиры является  досрочное погашение кредита, снятие с квартиры обременения, и непосредственно продажа Вашей квартиры.

Можно ли продать ипотечную квартиру 2

В данной ситуации лучше всего обратиться в риэлтерскую компанию, специалисты которой возьмут на себя все хлопоты по оформление этой сделки, начиная от получения у банка разрешения на продажу, вплоть до  оформления самой сделки.

В случае, когда  задолженность все еще большая, необходимо заручиться поддержкой банка, так как выше мы уже установили, что все операции с ипотечной квартирой допустимы, только лишь с одобрения банка.

В данной ситуации возможны два вида развития событий.

По первому - банк дает согласие на смену владельца.  Это значит, что после того как банк утвердит кандидатуру нового заемщика, кредитные обязательства  полностью ложатся на его плечи.

Новоиспеченный заемщик займет Ваше место, и продолжит выплачивать ипотечный кредит. Квартира же, при этом, по-прежнему останется в залоге у банка.

Существующую разницу Вы сможете получить через депозит.

Вторым вариантом продажи ипотечной квартиры будет тот, при котором банк будет полностью курировать всю сделку.

Для этих целей выделяется  депозитная ячейка, в которую потенциальный покупатель должен внести всю сумму, необходимую для погашения кредита.

Разница же между стоимостью квартиры и оставшимся долгом вносится в другую ячейку. Вслед за тем банк сообщает в росреестр, что обременений нет, проводится сделка купли-продажи и  регистрация  перехода прав собственности.

Можно ли  продать ипотечную квартиру 3

Таким образом, как Вы видите, не решаемых проблем нет. В случае,  когда у Вас возникли трудности с погашением ипотечного кредита, самое неразумное -  это перестать платить по кредиту.

В данном случае у Вас со стопроцентной вероятностью квартира будет отсужена и реализована на торгах.

Вследствие всего вышесказанного необходимо сделать вывод, что прежде чем покупать жилье в ипотеку, нужно проконсультироваться со специалистами и хорошенько взвесить свои материальные возможности.

Следующим Вашим шагом должен быть визит в банк, где Вам помогут подобрать оптимальную ипотечную программу и удобные условия кредитования.

Ну и, разумеется, нельзя забывать, что только опытные специалисты могут оказать Вам помощь в покупке квартиры, избавив Вас от бесполезной траты времени - самого бесценного человеческого ресурса.

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Как продать квартиру, купленную в ипотеку. 3 способа

 

 

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