About the book: year / In recent years, mortgages have become the most priority way to solve the housing problem. Recently, more than 70% of transactions in the primary and secondary housing market are carried out using a mortgage loan. The increase in mortgage transactions is also facilitated by the adoption of laws on maternity capital and the savings-mortgage system for military personnel (military mortgage). This book covers the issues of purchasing housing using a mortgage loan, as well as issues of processing mortgage transactions using maternity capital. A separate section is devoted to the problems of military mortgages. It covers issues not only of obtaining a loan, but also the problems that arise for a serviceman with a mortgage when leaving military service. The issues of taxation of mortgaged apartments and the possibility of refunding income tax on amounts paid as interest to the bank when paying off a mortgage loan were also touched upon. Practical advice is also given, and schemes for selling collateral if it is impossible to pay a mortgage are described. The text is structured in the form of questions and answers. The questions describe typical situations that occur in most cases. Answers to questions are given in detail with references to the law. In some cases, a step-by-step action plan is given, by following which you can easily solve the problem that has arisen. After reading this book you will know: – how to choose a bank to obtain a mortgage loan; – what are the features of processing mortgage transactions; – your rights and obligations as the owner of a mortgaged apartment, as well as the rights and obligations of co-borrowers and guarantors; - how to get a tax deduction from the amounts paid to the bank for interest; - how to use maternity capital when buying an apartment with a mortgage; - how to use a mortgage for military personnel; - how to sell a mortgaged apartment if there is no way to pay, and much more.