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Are you paying cash? You will have the benefit of the administration of funds by the notary in his trust account. The funds will not be released until all verifications have been made.
The assumption of your hypothec by the purchaser may save you from paying a penalty to your creditor, but are you ready to remain liable to the creditor in the event that the purchaser fails to pay? Consult your notary first concerning possible alternatives and consequences.
Balance of sale or new hypothec? The notary can assist you in comparing the different types of financing available and will examine your options with you, in light of your budget.