The owners of the apartments, the purchase of which was made thanks to a mortgage, like other full apartment owners, want to provide themselves with maximum comfort and comfort during living in an apartment purchased on credit. If you align the walls, repair the bathroom, lining the floor, for which the Porcelanite DOS tile is best suited, you can at least every month, a large major overhaul, which implies redevelopment, can bring great surprises and problems.
For those who want to buy an apartment using mortgage lending, one of the main issues is the possibility of redevelopment. Whether the mortgage status of the apartment will become an obstacle on the path to changing the layout on more rational and convenient for living? To answer this question, it is necessary first of all with special attention to read the banking contract of real estate lending. Most banks include a clause in the contract prohibiting any redevelopment of the premises until the full payment of the loan. So, before carrying out redevelopment work, you just need to get the corresponding permits from the bank. Otherwise, even if the process of redevelopment is possible, the housing inspection has the right to refuse to agree without a bank permission.
If you do not consider the banking permit for redevelopment, all other documents allowing redevelopment of the premises remain the same. These include: explication from the BTI, the plan of the floors, the project plan of redevelopment of the premises with the conclusion on the technical ability to carry out these works, information about the personal account. If the technical conclusion does not prohibit redevelopment in the apartment, and there is no debt on mortgage real estate to the bank, the bank usually does not object to the redevelopment in the mortgage apartment.
What to pay attention to when buying an apartment
Buying real estate is currently at first glance profitable for the buyer. After all, the number of offers for sale significantly exceeds demand. This makes it possible to bargain when buying and win to 10% of the initial cost of housing. But when buying housing, you need to be prepared for various tricks and seller tricks.
Causes of great demand for one -room apartments
One -room apartments are the most “running”. They have long been sales leaders both in megacities and in small cities. become popular in almost all segments of the population. What is the reason for such popularity?
Risk when buying an apartment in a house under construction
Unfortunately, there is no legal mechanism so far that would completely save the buyers of apartments in the new house, from various kinds of risk. Shared participation agreements are no exception – they simply protect more than everyone else.