A security that confirms the bank's right to the mortgage debt and to the pledged flat. The bank can sell it to another lender — your loan terms do not change because of this.
The rules are in Law No. 102-FZ on Mortgage (Pledge of Real Estate). A mortgage note (закладная) can be paper or electronic; it is not always issued — the parties decide this in the contract. After the mortgage is repaid, the note must be cancelled so the encumbrance can be removed from the EGRN, the state property register.
This information is for reference only and does not constitute financial, tax or legal advice. Prepared by our editorial team, last checked: September 2026. Found an error? Write to us.
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