In fact, before issuing the mortgage, the apartment was checked for its history, both by the bank and insurance company, but rather, real estate agencies and real estate company "Kvadrametr." Its value is reduced because of the burden, which is eliminated with the purchase of apartments, and psychological reason – the buyer, saving the bankrupt borrower. At the same time of the sale of the pledged mortgage apartments or houses are fairly common and are dictated by life. The only question is, to understand and assess the risks of your own, or ask for professional participants of the real estate mortgage, real estate company "Kvadrametr." Joint ownership. More profitable to take a mortgage on the couple, because, given the income of both spouses, the bank may allocate a large amount of the loan. Accordingly, the couple may buy a more expensive apartment. Participation spouse co-borrower and profitable to the bank. In the event that one of spouses can not pay the mortgage, the bank can foreclose on the pay of the other spouse. Accordingly, the apartment is purchased by the mortgage in the marriage becomes joint property. If there is a cheerless situation where the mortgage apartment to share in a divorce, there are several ways: The most effective way (described above) to share an apartment, which is pledged to the bank – peace. If the bank allows the sale of apartments need to find a buyer who will advance to the bank the amount you owe the bank spouses, and spouses will receive the remaining amount in cash.