When a family decides to apply for a mortgage, it consciously takes risks, since it is a long-term bank loan that will have to be paid back for 10, 15, or even 20 years. However, not a single person is able to plan his life and foresee all possible difficulties. In fact, any financial problem complicates mortgage payments. But the worst is the loss of work, and as a result of this constant earnings. Not surprisingly, many borrowers are wondering if they can fire if there is a mortgage.
A common myth is that when an employee is dismissed, each manager should make an exception for those who have a large home loan, and assign a job to it. In fact, the presence of a debt loan for the acquisition of real estate is an exception of a personal nature, this provision is not fixed by law anywhere. Those who wonder whether they can be fired, if there is a mortgage, should understand that the employer has the right not to focus on this.
Who can claim to save a job?
According to the current legislation, there are several categories of citizens enjoying the priority right to save a job:
- If one parent provides financial support for minor children. That is, the family has an incomplete status.
- Citizens who are supported by two or more dependents. As a rule, these are old sick people, young children or people with disabilities.
- Citizens who are at the stage of training in the direction of the employer.
- Citizens who were previously injured at the enterprise.
“Mortgage” is not in the list of beneficiaries
When the employer raises the question of mandatory staff reductions, he will always give priority to those employees who are members of one of the above groups. However, it is also worthwhile to understand that no one has canceled labor productivity indicators, and if a person who does not have benefits works better, he will automatically have more chances to save a job. Regarding the question of whether they have the right to dismiss, if there is a mortgage, then there is not a single mention that people who have obligations to pay a loan can apply for benefits. 
Where do rumors come from?
For a long time there was information in the media and other sources that employees who have large loans cannot be dismissed from work until they have completely fulfilled their obligations to the bank. This is what provoked numerous questions about whether they can be fired from work if there is a mortgage. In fact, the appearance of false information is associated with an active consideration of translating this idea into reality. The very idea of a potential legislative project is to prohibit the dismissal of employees from state enterprises that have a registered mortgage obligation. 
There is an opinion of experts who argue that such a law will help replenish bank reserves and reduce losses, which have recently grown exponentially. Therefore, many banks go bankrupt and cease operations in the consumer market. However, the employer is also planning to give some free rein to this amendment. In the event that the employee grossly violates the rules of the company, the employer has every reason to dismiss him.
What does the potential bill say and what is the current situation?
According to the idea of the authors who invented this concept, the employer does not have the right to terminate the contract with the employee paying the mortgage in the case when massive staff reductions occur, the employee does not cope with the stated work requirements due to insufficient qualifications, knowledge and skills.
If we talk about the current legislation, then the employee’s credit history is requested only at financially responsible enterprises and banking institutions, so the employer, in principle, may not be aware that his employee pays a mortgage. In the event that a potential project is supported by a vote, the borrower will be required to provide all information to the bank about his current place of work. 
The current economic situation in the country does not distinguish "mortgages." Dismissal and hiring takes place as usual, so most ordinary residents do not expect any help. Accordingly, the question of whether it is possible to fire an employee with a mortgage is currently irrelevant.
The relevance of potential social change
It is often important to understand that the borrower stops paying the mortgage not because he spent the money on his needs and ignored the requirements of the bank. Most often this is due to family problems or job loss, so borrowers are interested in whether they can fire if there is a mortgage. At the discussion of the above project, many spoke of the fact that the socio-economic situation in the country with its help can change for the better. Since employees are guaranteed work, and therefore financial institutions will receive their money on time. 
Conclusion
However, the question of whether it is possible to dismiss with a mortgage is still under consideration and is being actively discussed by members of various parties. At the moment, plans for its implementation do not exist. Therefore, to date, borrowers have to deal with their problems alone, and the question of whether they can be fired if there is a mortgage, remains open.