Most people would rather take a consumer loan at high interest rates than a mortgage to buy a home, since they are afraid that if financial problems arise, they will not be able to sell an apartment that is secured by a bank.If 15 years ago mortgage lending was just entering our lives, now apartments that are mortgaged have begun to appear more and more often on the real estate market. And, therefore, there is quite a lot of experience in selling such housing.Conscientious fulfillment of credit obligations is the golden rule that you must follow from the moment of the first loan payment until the last payment. If you are a reliable borrower, then in case of difficulties you will be able to count on concessions and assistance from the bank. Otherwise, even greater troubles await you.Over time, people who took out a mortgage a few years ago begin to have problems forcing them to part with their purchased housing. Someone loses their job, their health and loved ones fail, families break up and are forced to share property, the main owner dies in the family, and this entails a division. There is another reason: the family is growing, the purchased apartment no longer meets the requirements, there is a need to sell it and buy a larger one and under a new mortgage agreement.The decisive word of the bank, since you are not the owner of the apartment until the final payment, the financial institution accepts and approves all decisions related to the change of owner. Therefore, in case of sale of an apartment, you should contact the place where you signed the loan agreement. And if you are a reliable borrower who has not overdue a single payment, you will be able to find support from the bank.We sell a mortgage, it is possible to sell an encumbered apartment, that is, simply change the borrower. This is the most difficult way. It is necessary to find another borrower, check it, that is, for the bank it means to re-issue a mortgage, which is very time-consuming.We find a buyer who is ready to take a risk. The bank gave the go-ahead for the sale of your apartment, you found a buyer who agrees to take a risk, transfer to the account an amount of money sufficient to repay the mortgage. In fact, this method is not as risky as many people think. It requires a competent realtor for this type of transactions. You can enlist the support of an experienced lawyer in these matters. The main thing in this case is to notarize the transaction with an indication of the amounts and the sequence of their payments.Undesirable option If you are an unreliable borrower, then the options described above are not for you. Banking rules will not allow you to work with you either according to the first or the second scheme. Housing will be put up for sale at a favorable price only to the bank, since when conducting a preliminary assessment of the cost of housing, the latter is always intentionally underestimated by about 10%.Everyone wins another option. The riskiest. Completely illegal from the point of view of banking production, but the most popular among the population. You do not take any permission from the bank, you find a competent realtor, a buyer ready to repay your loan. You sign the contract, where you specify all the nuances of the transaction, notarize it. You go to the bank with the buyer. He transfers money to your mortgage account in front of you to repay the loan. Then you take the mortgage from the bank, arrange for the removal of the encumbrance in the registration chamber. After that, the housing can be sold. And all this at a price that is favorable to you. Online casinos have their own set of protocols and rules – very similar to their land-based counterparts. One of these rules are the minimum deposit requirements. This time we have decided to analyze the features behind a £1 deposit casino. See here www.1pounddepositcasino.com/ A £1 casino deposit is ideal for players with a limited budget or those who want to first test the waters before venturing out completely. On this page you will not only discover the advantages of playing at a 1 pound deposit casino UK.