The volume of mortgage lending is growing, while household incomes are only declining. This situation leads to the emergence of troubled housing – these are apartments with owners that the bank is trying to sell for the current loan debt . Experts predict that by 2021 they will be 10% of the entire secondary market. For 2019, this figure so far only 2%. Selling real estate “with a dowry” will have a big discount. But the buyer, along with housing will receive a number of legal problems.