{"id":18229,"date":"2026-04-15T23:23:18","date_gmt":"2026-04-15T23:23:18","guid":{"rendered":"https:\/\/www.heroldo.com\/blog\/buying-real-estate-with-an-existing-mortgage-it-is-possible\/"},"modified":"2026-04-15T23:23:18","modified_gmt":"2026-04-15T23:23:18","slug":"buying-real-estate-with-an-existing-mortgage-it-is-possible","status":"publish","type":"post","link":"https:\/\/www.heroldo.com\/en\/blog\/buying-real-estate-with-an-existing-mortgage-it-is-possible\/","title":{"rendered":"Buying real estate with an existing mortgage? IT IS POSSIBLE!"},"content":{"rendered":"

\nThe buyer often will not allow the real estate agent to inform them about the property that has a mortgage thinking that buying such a property is impossible, so we recommend that you continue reading.
\n<\/h3>\n

\nBuying a property that has an existing encumbrance – MORTGAGE<\/strong> in the Land Registry can<\/strong> be the subject of a purchase on the buyer’s housing loan and then we are talking about a second-ranking mortgage<\/strong>.\n<\/p>\n

\n
When you find a property that has a mortgage as an encumbrance, and you want to buy it with a housing loan, do not be discouraged. To purchase an apartment with a mortgage, we will familiarize you with the procedure and paperwork that awaits you.\n<\/p>\n

\n\u27a1\ufe0fFirst of all, it is necessary to obtain a Certificate of the remaining debt of the seller with the bank where the apartment is mortgaged and to request a Letter of Intent that the bank will issue a DISCHARGE PERMIT<\/strong> after the claim is settled;
\u27a1\ufe0fThe process of submitting your request for approval of the housing loan;
\u27a1\ufe0fRegistration of the second-ranking mortgage, disbursement of funds to the lender\/buyer;
\u27a1\ufe0fThe seller is obliged to settle the remaining debt and provide the Discharge Permit to the cadastre service (RGZ);\n<\/p>\n

\n
Do not let the existence of mortgages on properties deter you from buying and missing out on desired properties! The purchase procedure may take a little while, but it is legally and lawfully completely ALLOWED.<\/strong>
\n<\/h4>\n","protected":false},"excerpt":{"rendered":"

The buyer often will not allow the real estate agent to inform them about the property that has a mortgage thinking that buying such a property is impossible, so we recommend that you continue reading. Buying a property that has an existing encumbrance – MORTGAGE in the Land Registry can be the subject of a […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18229","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"yoast_head":"\nBuying real estate with an existing mortgage? IT IS POSSIBLE! - Heroldo Nekretnine<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.heroldo.com\/en\/blog\/buying-real-estate-with-an-existing-mortgage-it-is-possible\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buying real estate with an existing mortgage? IT IS POSSIBLE! - Heroldo Nekretnine\" \/>\n<meta property=\"og:description\" content=\"The buyer often will not allow the real estate agent to inform them about the property that has a mortgage thinking that buying such a property is impossible, so we recommend that you continue reading. 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