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Яндекс.Погода

Губернатор Органы власти ГТРК Ставрополье Избирательная комиссия Дума Администрация города Прокуратура



10.12.2010, 11:54
читайте договор
– Можно ли продать унаследованный автомобиль, купленный в кредит и заложенный банку по договору залога? Василий Воронов, Ставрополь

Отвечает нотариус по Ставропольскому городскому округу Марина Кашурина:

– В каждом случае это решается в зависимости от условий договора залога. Поэтому, прежде всего, необходимо внимательно ознакомиться с этим договором.

Если недобросовестный наследник при отчуждении автомобиля, находящегося в залоге, не поставит покупателя в известность, что автомобиль находится в залоге, то независимо от того, извещено ли третье лицо об обременении или нет, залог сохраняет силу. Следовательно, переход права собственности на автомашину к новому приобретателю не прекращает право залога, и новый владелец авто выполняет все обязанности лица, продавшего машину. Изменить этот порядок можно только соглашением с залогодержателем (банком).

В случае неисполнения должником-наследником обязательств по кредитному договору банк приобретает право получить удовлетворение за счет заложенного имущества – независимо от того, в чьей собственности оно находится. То есть, если наследник не выплатит кредит, кредитор-банк имеет право получить долги из суммы заложенного автомобиля при его продаже. В этом случае не имеет значения, на кого этот автомобиль оформлен: на продавца или нового покупателя.

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