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Заёмщик (ФЛ) взял ипотечный кредит, под залог недвижимости (частный дом), в 2012 году в Сбербанке на 10 лет и мы солидарно подписавшиеся два поручителя (ФЛ). Заёмщик платил три года, а сейчас не платит. Более того заёмщик занял крупные суммы денег у друзей и знакомых, хватило бы погасить три таких ипотеки, и скрылся вместе со свой семьёй. Подскажите пожалуйста существуют ли законные варианты выкупа ипотеки третьими лицами?
Согласно статье 13 ФЗ "об ипотеке" - Права залогодержателя по обеспеченному ипотекой обязательству и по договору об ипотеке могут быть удостоверены закладной. Закладная является именной ценной бумагой, удостоверяющей следующие права ее законного владельца: право на получение исполнения по денежным обязательствам, обеспеченным ипотекой, без представления других доказательств существования этих обязательств; право залога на имущество, обремененное ипотекой.
В соответствии с статьей 47 ФЗ "об ипотеке" - Залогодержатель вправе осуществлять уступку прав (требований) по договору об ипотеке или по обеспеченному ипотекой обязательству (основному обязательству) любым третьим лицам, если законом или договором не предусмотрено иное. Лицо, которому переданы права по договору об ипотеке, становится на место прежнего залогодержателя по этому договору. Если договором не предусмотрено иное, к лицу, которому переданы права по обязательству (основному обязательству), переходят и права, обеспечивающие исполнение обязательства. Такое лицо становится на место прежнего залогодержателя по договору об ипотеке.
Согласно статье 48 ФЗ "об ипотеке" - При передаче прав на закладную совершается сделка в простой письменной форме. При передаче прав на закладную лицо, передающее право, делает на закладной отметку о новом владельце, если иное не установлено настоящим Федеральным законом. Передача прав на закладную другому лицу означает передачу тем самым этому лицу всех удостоверяемых ею прав в совокупности. Владельцу закладной принадлежат все удостоверенные ею права, в том числе права залогодержателя и права кредитора по обеспеченному ипотекой обязательству, независимо от прав первоначального залогодержателя и предшествующих владельцев закладной.
Смотрите что прописано в договоре.
Форма ответа
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