Except how and when to increase rates, you can try to prove that you signed a credit agreement is a contract of adhesion and demand from him to remove the pledge items. You can go the other way and to weaken the evidence base of the bank. "Changing the value of the collateral must be documented – the evaluation report the market value of the collateral. To assess the representative of the estimated company not only expects the residential area of the object and its location, but also assesses the internal state of the apartment. Photographs taken at the facility, applied to the evaluation report. In the event that the borrower do not let the appraiser in the apartment, accurate and reliable assessment report to be difficult – you can only be to estimate its cost, which, naturally, can not serve as proof of the position Bank of the court ", – said Sergei Kapustin. The counter real estate appraisal commissioned by the bank, you can use the services of other evaluators – it is possible that they determine the value of your apartments more expensive. It is possible that the court will take into account the results of your evaluation, rather than banking, and then at least you subtract the amount not covered by the guarantee, and maximum bank generally will be deprived of evidence to suggest that collateral fell. There is another risk – in case of deterioration or threat of deteriorating financial condition of the borrower's bank may demand repayment or to make dopobespecheniya.