The contracts on chattels (goods in the house such as stoves, airconditioners, etc) that are still under a lease or consumer credit contract but are to be included in the purchase must either be paid out by the vendor (so that a clear title to those chattels can be passed to the purchaser) or assigned to the purchaser. It is unwise to take on the obligations of the vendor in this way, and in any event, the credit provider may refuse to accept an assignment.