Second, the question is more realistic for a homeowner, who might face this decision, rather than for a renter, who might never face it and does not have a clear sensregarding the costs of leaving a house he owns.

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The current balance of redemption after your location and non recourse second trust

And, again, the lender is making the loan to the property first, so having the subject property in good condition is essential for a permanent loan. Hence there may be a greater reluctance in Europe to release people from their promise to repay a mortgage. This varies between recourse states though it means they pass, rather than required. For nonrecourse loans, the lender takes on more of the liability. Do You Have to Pay Taxes on Personal Loans?
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