Judicial Board of the Supreme court clarified the situations in which mortgage borrowers have the opportunity to select for the debts of the housing, about it writes " the Russian printed press ". an appropriate solution is reflected in the decision in the case of a young family from Bashkiria. The couple bought on a mortgage the apartment from one room to the collateral, and in practice ten years accurately and on time were paid by the Bank, repaying the loan. However, in the fall of 2015, the Bank gave the right mortgage to another entity, and borrowers several times delayed loan payments. In the end, the creditor via the court asked in a persistent form from the family early return of the remaining amount of 458 thousand Rubles. to pay not less than 80 thousand Rubles. the use of the loan, interest on arrears in the amount of 115 thousand Rubles. and also to auction off their apartment, which was considered in 1, 28 million rubles. The district court considered the arguments of the plaintiff unlawful, But the court of appeal, and After it, and the Supreme court of Bashkiria with the lender agreed, deciding that mortgage housing can be put up for auction. Defendants, for their part, appealed the verdict to the Supreme court, which ruled that the lower court misapplied the rules of the current law, as it was supposed to " accurately calculate the number of delinquency of the debtor for payment of their period and take into account the market Price of the apartment." Under current law, for the debts of the Bank, specifically the mortgage housing has the opportunity to be collected subject to 2 main conditions: the amount of the debt must be More than 5% of the total amount of mortgage and the period of delay is More than three months. <span style="color:darkgray