Any of the schemes is not so simple in execution, as it may seem. This is due to the fact that the bank is endorsing you as an the original debtor, and went on some labor costs, assess their risks assessed your ability to pay. Now you are proposing to assess a new borrower, in the absence of delays in the execution of the contract on your part. At the first scheme for the bank more acceptable because it is your duty paid by the buyer in full, and the bank prepares the necessary documents for the removal of encumbrances. But, as with other schemes, any deal is always possible, always calculated risks on all sides. After all, the buyer should be clearly understood in terms of what it receives from the bank the opportunity to remove encumbrances, would not it be tightening over time. There is a danger for the duration of the process, which is not honest seller can simply change your mind at all, or sell an apartment at this price.
Of course, from a legal point of view, the tentative agreement allows the buyer to go to court with a claim of coercion to conclusion of the contract of sale apartment. But this time again. Usually flat, which are sold under the scheme, are slightly cheaper than they could sell, if there were no problems with the removal of bank mortgage and debt payments on the loan. However, such housing, in terms of "legal purity" on the contrary the safety of any other similar.