It's a dark, gangster and totally unfair scheme. Base this can be a violation of one of the parties to the contract. The only problem may occur if you want to refinance a mortgage. 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. Minors are considered children up to 14 years.
If several heirs, the debt they will pay together, in proportion to the inherited property. 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. As a result, the client might get the feeling that he cheated, but it will not be so.
The only problem may occur if you want to refinance a mortgage. And it's perfectly legal, but completely unfair. For example, a borrower wants to take a Bank of 100 thousand rubles. It is possible that all debts on the loan that go along with the inheritance, can not be charged for the prescription period. Refinancing, or refinancing, is a procedure in which the borrower takes a new loan and expense extinguishes the old. The Bank approves his application, but includes in the credit agreement a lump sum payment for the issuance of money. According to financial analysts one of the most popular tricks of financial institutions advertising their own loan products are so-called interest-free loans that are issued to potential borrowers in times of celebrations such as new year or Christmas to buy expensive gifts to their relatives or loved ones. However, it is not strange looks, but this specific category of people in our country are very inclined to commit rash and spontaneous actions, which ultimately lead to the financial collapse or destitute. It is possible that all debts on the loan that go along with the inheritance, can not be charged for the prescription period.