Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for money. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.
As you know, to change the terms of the contract, and even more so to terminate it unilaterally prohibited. Minors are considered children up to 14 years. However, if the Bank is not going to meet you have to go to court. This is a fairly new service, so it is provided not in all banks, so will have to try. By the way, to abandon a legacy in someone's favor can be in the case where the heir has accepted the inheritance. Once you join your rights and will become the full owner of the inherited property, you immediately appear the obligation to pay for someone else's loan and fend off foreign creditors. To accept the inheritance is given a fixed term – 6 months. It is not surprising that modern abundance of goods and services directly presses on the brain of those who lived in the Soviet Union, forcing them to commit and make a purchase. In the future, referring any difficulties or shocks is that not every borrower is able to repay such an expensive mortgage loan, which leads to the fact that borrowers start to rush, trying to refinance the loan or to change bought on credit "square meters" for cheaper housing. This is a fairly new service, so it is provided not in all banks, so will have to try. For example, if representatives of the credit institution's opinion, the loan was obtained by fraud, and they can prove it in court, the borrower may be required to pay the full amount of the debt immediately.