This is a fairly new service, so it is provided not in all banks, so will have to try. Actually the problem is only in that the borrower did not pay attention on such an important point or didn't understand it.
According to financial analysts, the borrower will have more chances of getting a mortgage loan for the purchase of suburban real estate, in that case, if he is made as the collateral in its main housing in the city. Because of problems with re-registration of mortgage, you will need to obtain the consent of the Bank, your Bank is unlikely to agree to repay such a large loan on your own risk, not having the right collateral. For example, if representatives of the credit institution's opinion, the loan was obtained by fraud, and they can prove it in court, the borrower may be required to pay the full amount of the debt immediately. For example, a borrower wants to take a Bank of 100 thousand rubles. However, in any case, the loan inherited, become a headache not the heir, and his guardians. And it's perfectly legal, but completely unfair. It should be noted that loans to purchase real estate are considered to be rational, however, some borrowers even when getting these loans manage to overreact.
This is a fairly new service, so it is provided not in all banks, so will have to try. Actually the problem is only in that the borrower did not pay attention on such an important point or didn't understand it. Once you join your rights and will become the full owner of the inherited property, you immediately appear the obligation to pay for someone else's loan and fend off foreign creditors. In other words, to pay the loan all heirs have accepted the inheritance, to avoid this will not succeed. And it's perfectly legal, but completely unfair. Moreover, the loyalty of financial institutions in creating these tandem can reach such proportions that they are ready to offer our potential borrowers loans at favorable interest rate, which will be issued against collateral in the form of real estate under construction. However, among creditman are present and those citizens who have seen the Soviet power, with its queues, coupons and deficiencies of essential household goods.
If the Bank delays the borrowed funds or provides incomplete, then the borrower may require the Bank to comply with the terms of the contract, or to apply to the court to terminate the contract. In other words, people with low incomes, why not try to live logically, and only based on their own emotions. In any case, until he attains the age of majority. However, even then it will be necessary to observe a number of important formalities, among which is the fact that cost of urban real estate serving as collateral must not be lower than the estimated amount of the loan. As you know, to change the terms of the contract, and even more so to terminate it unilaterally prohibited.
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