Банкротство при ипотеке

Регуляция процедуры банкротства, связанной с наличием ипотеки, не сводится только к положениям Главы X Федерального закона Российской Федерации от 26.10.2002 № 127-ФЗ «О несостоятельности (банкротстве)», однако упоминается также в Гражданском и Семейном кодексах Российской Федерации, Федеральном законе Российской Федерации от 16.07.1998 № 102-ФЗ «Об ипотеке (залоге недвижимости)» и в других законодательных актах.

Важно отметить, что наличие ипотеки и/или имущества не является препятствием для проведения процедуры банкротства с ипотекой в отношении гражданина, особенно если такое имущество является единственным жильем заявителя. Главным условием для подачи заявления на банкротство с ипотекой является задолженность на сумму не менее 500 тысяч рублей и отсутствие платежей более трех месяцев со дня наступления срока платежа.

Заявление о банкротстве может быть подано даже при просроченной ипотеке. Если заявитель будет признан банкротом, то банк заберет ипотечную квартиру в счет погашения задолженности.

У гражданина имеются два варианта банкротства ипотеки:

Реструктуризация долга по ипотеке — это процесс пересмотра графика и общей суммы выплат заемщика, чтобы облегчить процесс погашения долга.Однако для реструктуризации необходимы четыре условия:

  1. физическое лицо должно иметь возможность заплатить все задолженности в течение трех лет;
  2. заемщик не должен иметь судимостей, связанных с финансовыми и экономическими преступлениями;
  3. реструктуризационный план не был утвержден в течение 8 лет,
  4. а также Гражданин не должен был подвергаться процедуре банкротства c ипотекой в течение 5 лет.

Мировое соглашение – это вариант, который предсказуемо сходен с реструктуризацией, где участники договора корректируют существующие условия кредитного договора через взаимные соглашения. Мирное соглашение возможно до суда и в ходе процесса. Такой вид банкротства считается сложным, и при его рассмотрении необходимы комплексные решения, которые мы компетентно и эффективно разрабатываем в нашей компании. Мы поможем спланировать процедуру банкротства с продажей имущества по лучшей цене и проведем дело до конца.

Чтобы избежать реализации имущества через торги, мы предварительно проводим глубокий анализ ситуации и выбираем наиболее эффективную стратегию с применением компетентных знаний и опыта в смежных отраслях права. Мы гарантируем результат, который детально зафиксирован в договоре. Зарегистрируйтесь на консультацию и получите дополнительную информацию о банкротстве физических лиц при ипотеке, их стоимости и возможностях сохранения имущества в конкретной ситуации.

Цены на банкротство c ипотекой в Волгограде

Юридическое сопровождение ипотечного банкротства

Банкротство ипотеки "под ключ"

Процедура банкротства с ипотекой и другим имуществом

50000 руб

Вопросы по банкротству с ипотекой в Волгограде

Когда человек не может выплачивать свою ипотечную ссуду, он обращается в конце концов за банкротством. Когда дом будет продан, то первоочередно будет выплачена задолженность по ипотеке, в том числе, штрафы и проценты. Если в результате продажи останутся лишние деньги, то они будут возвращены бывшему владельцу недвижимости. Когда денег недостаточно для погашения всей задолженности, то заемщик не должен беспокоиться.

По закону это возможно, однако, банки часто не дают кредиты банкротам из-за риска связывания с неплатежеспособными клиентами. Если банк не будет знать о прошлом банкротстве заемщика, кредит может быть одобрен. Но если заемщик допустит задержку оплаты кредита, банк узнает об этом прошлом ипотечном кредите и отменит договор.

Но необходимо понимать, что ипотечный долг также будет включен в этот процесс, независимо от наличия задолженностей. Если имущество приобретено по ипотеке, оно будет изъято для погашения задолженностей. При этом, банк-залогодержатель имеет приоритетное право на получение денежных средств. Банкротство проходит, как и обычно, но с вовлечением органов опеки, которые будут защищать интересы несовершеннолетних.

Люди, которые являются созаемщиками по ипотеке, имеют возможность подать заявление о банкротстве в качестве физического лица или ИП. Причиной для подачи заявления может быть как наличие задолженности по ипотеке, так и нарушения по другим обязательствам.
Ипотечное жилье не обладает особым статусом и будет реализовано на аукционе вместе с другим залоговым имуществом, даже если это единственное имущество должника. В некоторых случаях редко бывает, что заложенное жилье признаётся единственным, как это произошло в одном инциденте в Москве в 2016 году. Однако, это больше исключение из правила, чем обычная ситуация.
По закону это не запрещено. Однако, гражданин должен уведомить банк о своем банкротстве при подаче заявки на кредит в течение 5 лет после процедуры. Не существует списка банков, которые выдают ипотеку после банкротства, так как каждый банк имеет свою кредитную политику, которая остается конфиденциальной.

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