Selling a property that still has a mortgage or unpaid dues is common, but it must be planned properly.
How to avoid it: Ask your bank for an up-to-date settlement figure, including any early settlement fees, and understand the process for obtaining the mortgage release or liability letter. Clear any outstanding service charges, since these can block the NOC. If the property is off-plan, check the payment plan and any developer conditions for resale before you list it. Knowing the exact amount you will receive after all deductions prevents unpleasant surprises at the closing stage.

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