Russians were warned about the risk of losing their apartment during a popular loan operation

Russians risk losing their housing under the guise of loan refinancing. Experts interviewed by Izvestia warned citizens about the popular scheme of scammers.

We are talking about intermediaries who offer to reduce the debt burden. However, as a result, the owner may receive a loan on unfavorable terms or even sell his apartment.

Attackers use psychological pressure, financial difficulties and legal illiteracy of the borrower. An additional risk factor is insufficient verification of such transactions by banks.

Thus, a Russian woman with a debt of about 4.5 million rubles was offered help with refinancing. As a result, she signed a loan agreement for 7.2 million rubles secured by an apartment with a penalty of 0.5 percent for each day of delay - this corresponds to 182.5 percent per annum. Then the ownership of the apartment was registered to another person. The victim noted that she considered all the signed documents to be part of the refinancing procedure.

Lawyers called for checking and carefully studying the contents of all documents before signing. It is especially important to make sure that the transaction does not involve the purchase and sale of real estate instead of refinancing. At the same time, the owner’s signature on the documents itself does not exclude the possibility of challenging the transaction if it can be proven that the person was misled about its contents, experts concluded.