You have a mortgage on the property, but are you going to sell it? It is not uncommon for a mortgage holder to sell the purchased property thanks to the loan obtained from the bank. How to do? How to sell a mortgaged property and above all, is it possible? What are the procedures to be put in place to make the new sale possible, even if the mortgage has not been extinguished and therefore still with a mortgage?
This is the case of a normal mortgage, but in the case of a mortgage with Equitalia things are a bit different. Let's look at both cases together: whether it is a property with a classic mortgage, or the most complicated of a mortgage with Equitalia.
Sale of a house with a classic mortgage : to free the house from the mortgage, a notary deed of release is necessary, with which the bank will declare to eliminate the mortgage on the property to be sold and to restrict it to other assets. Then you can sell the house, free from any link with the mortgage.
Sale of a house with an Equitalia mortgage : you can not sell a property with an Equitalia active mortgage, for which it is necessary to settle the debts with Equitalia before the preliminary. If you can not fix everything before the preliminary, you will have to pay your debt with Equitalia at least during the deed: in fact, if the buyer will already pay the property (or give you an advance), you can withdraw the sum due and with that money, arrange to settle the debt and your position with Equitalia.