World immovable property market is great and is still growing. Numerous investors are willing to endow funds on realty objects due to stable high prices in the real estate market and low depreciation rates. Realty purchasing with the purpose of further leasing or estate object re-planning and renewal are popular activity done by investors to obtain benefit.

Prospective home owners or investors may apply for a real estate loan. Before granting a loan, banks (or other properly licensed financial institutions) carry out a thorough verification of the applicant's personal data, job qualification, working experience, employment perspectives and a lot of other important information that gives complete understanding of the client’s creditability. Then banks usually purchase the chosen object in own possession. Borrowers are obliged to repay the loan and interest within the terms stated. Complete debt settlement is a sufficient reason to transfer property rights to the new owner.

Force majeure is an important item of a loan agreement. This point deals with realty debt management. It includes rights and duties of the both parties under force majeure circumstances and contains detailed description of possible strategies in case of temporal borrower's impossibility to fulfill the agreement terms. Force majeure may include debt relief (partial or complete debt cancellation). As far as real estate loan relief is concerned, it is connected with payment delay, partial interest payment cancellation or rescheduling of total repayment terms due to definite unforeseen circumstances (i.e. banks may temporally freeze the loan's body requiring the borrower to pay the interest only or choose other loyal approach to property debt management).