Instruction
1
Buy an apartment with the help of the Bank. The financial institution will provide you with specifically allocated for this purpose, a Bank cell, which later you put the money for the purchase. Please note that the full amount will need to be divided into two parts: one is to repay the loan to the Bank, the second by the difference between the loan balance and the difference in cost of apartments. The money from the first cell will take Bank, the second - the owner of the premises, which sells the flat. As recognized experts, is the safest way of acquiring real estate collateral. Safety is ensured by the fact that the money from both cells, the seller and the Bank will be able to pick up only after registration of apartments in your property.
2
You can buy an apartment a Deposit and reservation agreement. In this case, the current owner of the property must obtain permission of the Bank on the early repayment of the mortgage loan. Then the potential buyer will pay the balance owed for the owner. Then the last will get his certificate of no debt and is in full right of ownership. Since then, the purchase transaction is carried out on a regular basis. The buyer must also pay the seller the difference between the balance owed and the cost of the apartment. The method of calculation chosen any - Deposit box, cash, transfer from account to account. However, this method is the called very dangerous for the buyer. It is not known how to lead the seller. Perhaps receiving a certificate of absence of debt, it will simply make everything for themselves and decide to sell.
3
The cost of the apartment in pledge, slightly lower than the market average. This is due to the fact that the flat was purchased some time ago, when real estate prices were lower. And how to sell it and the Bank and the seller needs to move quickly, to drive up the price on it they won't. However, we should not delude ourselves that everything will be easy and smooth. Consider the potential risk and complexity. For example, in some cases, you will need to remove from the apartment the status of the collateral. And that the extra financial and time costs.
Note
Carefully choose the Bank collateral which you want to purchase, because if he goes bankrupt during the transaction (which is not uncommon today), your money back will be problematic.