Rosreestr explained how Tula to remove the burden from the mortgage apartment

After full repayment of the mortgage loan, the encumbrance from the apartment is removed on the basis of an application that is usually sent to Rosreestr Bank. As explained “MK in Tula” in the Department of Rosreestr in the Tula region, the procedure takes three working days from the date of receipt of documents.

When buying housing in a mortgage in the Unified State Register of Real Estate (EGRN) register the restriction of rights. It is valid until the borrower fulfills its obligations to the bank. After repayment of the debt, the credit institution must send an application for removal of the encumbrance. The owner does not need to independently transfer to Rosreestr a certificate of credit closure. After the procedure is completed, the bank notifies him of the lifting of the restriction.

A different procedure is provided if the Tulaks issued a paper mortgage on the apartment. After payment of the loan, the bank must issue to the owner the original document with a note on the full performance of obligations. To repay the record of the mortgage, both the bank and the owner can apply to Rosreestr. The original mortgage must be attached to the application, which can be submitted through the MFC.

If the mortgage was not issued, the owner from the Tula region and the bank have the right to file a joint application for the removal of the encumbrance.

Buying an apartment that is still in the mortgage is possible only with the written consent of the bank. With such a transaction, the obligations under the loan agreement pass to the new owner-tulyak.

Before buying real estate, Rosreestr recommends ordering an actual extract from the USRN. It checks registered rights, encumbrances and other restrictions. Document Tulyaks can get on the website of Rosreestr, the portal of public services, the site of the PPC "Roskadaster" or in the MFC. You can also check information about restrictions through the online service "Reference information on real estate" on the Rosreestr website. There the encumbrance record number and the date of its registration are available.

We will remind, earlier “MK in Tula” cited experts on the growth of prices for secondary housing in Tula. In the third quarter of 2026, the average cost per square meter increased by 3.6%, and the price of an apartment - by 4.5%. At the same time, the high cost of mortgages continued to restrain demand. For three months, the number of objects for sale decreased by 7%, and the average area of the apartment in the ads reached 53.5 square meters.