Federal Law No. 102-FZ of July 16, 1998 on Mortgage (Pledge of Real Estate) (with Amendments and Additions)

Chapter I. Main Provisions

Chapter II. Conclusion of a Mortgage Agreement

Article 8. General Rules on Conclusion of a Mortgage Agreement
Article 9. Contents of the Mortgage Agreement
Article 9.1. The Specifics of the Terms of the Credit Contracts and of the Loan Contracts Which Are Made with a Natural Person for the Purposes Not Connected with the Exercise of Business Activities by Him/Her and in Respect of Which the Borrower's Obligations Are Secured by a Mortgage, and Also Details of the Modification Thereof on the Borrower's Demand
Article 10. State Registration of Agreement for Mortgage
Article 11. The Emergence of Mortgage as an Encumbrance
Article 12. Notification of the Mortgagee of Third Parties' Rights to the Subject of Mortgage

Chapter III. Encumbrance

Chapter IV. State Registration of Mortgages

Chapter V. Protection of Property Mortgaged Under Mortgage Agreement

Chapter VI. Transfer of Rights to Mortgaged Property to Other Parties and Encumbrance of This Property by Rights of Other Parties

Chapter VII. Overlying Mortgage

Chapter VIII. Assignment of Rights Under Mortgage Agreement. Transfer and Pledge of Encumbrance

Chapter IX. Foreclosure on Property Mortgaged Under the Mortgage Agreement

Chapter X. Realization of the Mortgaged Property Which Is Foreclosed

Chapter XI. Peculiar Features of Mortgage of Land Plots

Chapter XII. Specifics of the Mortgage of an Enterprise, a Building, Structure and Non-Living Premises

Chapter XIII. Specific Features of the Mortgage of Dwelling Houses, Flats and of the Pledge of Rights of Claim of a Participant in Share Construction

Chapter XIV. Final Provisions

Article 79. Putting the Present Federal Law into Force

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Federal Law No. 102-FZ of July 16, 1998 on Mortgage (Pledge of Real Estate) (with Amendments and Additions)

Chapter I. Main Provisions

Article 1. Grounds For the Coming About of Mortgage and Its Regulation

Article 2. Obligation Secured by a Mortgage

Article 3. Claims Secured by a Mortgage

Article 4. Additional Expenses of the Mortgagee Secured by a Mortgage

Article 5. Property Which May Be the Subject of Mortgage

Article 6. The Right to Pledge Property Under a Mortgage Agreement

Article 7. Mortgage of Real Estate in Common Ownership

Chapter II. Conclusion of a Mortgage Agreement

Article 8. General Rules on Conclusion of a Mortgage Agreement

Article 9. Contents of the Mortgage Agreement

Article 10. State Registration of Agreement for Mortgage

Article 11. The Emergence of Mortgage as an Encumbrance

Article 12. Notification of the Mortgagee of Third Parties' Rights to the Subject of Mortgage

Chapter III. Encumbrance

Article 13. The Main Provisions on an Encumbrance

Article 13.1. Changing the Terms of a Certified Encumbrance and of Immobilised Certified Encumbrance

Article 13.2. An Electronic Encumbrance

Article 13.3. Issuing an Electronic Encumbrance

Article 13.4. Amending an Electronic Encumbrance, the Specifics of Mortgage Discharging

Article 13.5. The Procedure for Transfer of an Electronic Encumbrance to Another Depository for Custody

Article 13.6. The Specifics of Issuance of an Electronic Encumbrance with the Use of Remote Servicing Systems

Article 14. Contents of Encumbrance

Article 15. Attachments to Encumbrance

Article 16. Registration of Owners of Encumbrance

Article 17. Exercising Rights Under the Encumbrance and Fulfillment of the Obligation Secured by a Mortgagee

Article 18. Restoration of Rights to the Mortgage Bond Lost

Chapter IV. State Registration of Mortgages

Article 19. Basic Provisions on the State Registration of Mortgages

Article 20. Procedure For State Registration of Mortgage

Article 21. Abrogated from January 1, 2017.

Article 22. Registration Entry and Certification of State Registration of Mortgage

Article 23. Corrections, Changes, and Amendments of the Mortgage Registration Entry

Article 24. The State Duty

Article 25. Cancelling a Registration Entry Concerning a Mortgage

Article 25.1. Cancellation of the Mortgage Registration Entry in the Event of Liquidation of a Pledge Holder That Is a Legal Entity

Article 26. Public Nature of State Registration of Mortgage

Article 27. Abrogated from January 1, 2017.

Article 28. Abrogated from January 1, 2017.

Chapter V. Protection of Property Mortgaged Under Mortgage Agreement

Article 29. Use of Mortgaged Property by the Mortgagor

Article 30. Maintenance and Repair of Mortgaged Property

Article 31. Insurance of the Pledged Property. Insurance of the Borrower's Responsibility and Insurance of the Creditor's Financial Risk

Article 32. Measures to Ensure Protection of Mortgaged Property From Loss or Damage

Article 33. Protection of Mortgaged Property From Third Party Encroachments

Article 34. The Mortgagee's Right to Inspect Mortgaged Property

Article 35. Rights of the Mortgagee in Case No Adequate Safety Is Ensured for Mortgaged Property

Article 36. Implications of Loss or Damage of Mortgaged Property

Chapter VI. Transfer of Rights to Mortgaged Property to Other Parties and Encumbrance of This Property by Rights of Other Parties

Article 37. Alienation of Mortgaged Property

Article 38. Retainment of Mortgage Upon Transfer of Rights to Mortgaged Property to Another Party

Article 39. Implications of Violation of the Procedures for Alienation of Mortgaged Property

Article 40. Encumbrance of Mortgaged Property per Rights of Other Parties

Article 41. Implications of Forced Alienation of Mortgaged Property by the State

Article 41.1. Effects of the Transfer of the Right of Ownership to Residential Premises in an Apartment House Included into the Programme of the Housing Stock Renovation in a Constituent Entity of the Russian Federation - the City of Federal Importance Moscow

Article 42. Implication of Vindication of Mortgaged Property

Chapter VII. Overlying Mortgage

Article 43. The Concept of Overlying Mortgage and Conditions Under Which It Is Permitted

Article 44. Notification of Mortgagees on Underlying and Overlying Mortgages. Alteration of Underlying Mortgage Agreement

Article 45. State Registration of the Overlying Mortgage

Article 46. Satisfaction of Claims of Underlying and Overlying Mortgagees

Chapter VIII. Assignment of Rights Under Mortgage Agreement. Transfer and Pledge of Encumbrance

Article 47. Assignment of Rights under a Contract of Mortgage or in Respect of an Obligation Secured by a Mortgage

Article 48. Assigning Rights to a Mortgage Bond

Article 49. Pledge of Encumbrance

Chapter IX. Foreclosure on Property Mortgaged Under the Mortgage Agreement

Article 50. Grounds For Foreclosing on Mortgaged Property

Article 51. Judicial Procedure for Foreclosure on Mortgaged Property

Article 52. Competence of Claims Against Mortgaged Property

Article 53. Measures Aimed at Protection of Interests of Other Mortgagees, an Absent Mortgagor and Other Parties

Article 54. Issues Settled by Court During Hearings on the Foreclosure on Mortgaged Property

Article 54.1. Grounds for the Refusal to Levy Execution upon Pledged Property

Article 55. Levying Execution against Pledged Property in an Extrajudicial Procedure

Article 55.1. Amicable Agreement in Respect of a Mortgage-Secured Obligation When Levying Execution upon the Subject of Mortgage

Article 55.2. Procedure for Forwarding a Notice and Claim

Chapter X. Realization of the Mortgaged Property Which Is Foreclosed

Article 56. Realisation of Mortgaged Property

Article 57. Procedure for Holding Public Sales in the Course of Execution Proceedings

Article 58. Void Public Sale