Electronic registration in Sberbank no sales transaction takes place. Rosreestr was and remains the only registrar of real estate transactions.
Sberbank simply provided a channel for submitting documents to Rosreestr in electronic form and issuing an EDS (electronic digital signature) for the participants in the transaction.

That is, Sberbank provides an additional service:

• Issuance of an enhanced qualified signature for all parties to the purchase and sale agreement
• Formation of a package of documents for registration of transfer of rights
• Sending documents to Rosreestr electronically
• Payment of state duty from the acquirer of property rights

Electronic registration of a transaction in Sberbank

The service is provided for both mortgage and non-mortgage transactions.

But only for those that are formalized by a purchase and sale agreement in simple written form.

If the transaction involves several sellers who own the property on the right of common shared ownership or the owners of the property are minors or incapacitated, the purchase and sale agreement is subject to MANDATORY certification by a notary. A notary can provide you with the service of submitting documents to Rosreestr electronically.

How much does electronic registration of a transaction cost in Sberbank?

Cost of electronic transaction registration in Sberbank for 2018 is:

• 10,000.00 rubles for Moscow and St. Petersburg
• 7,000.00 rubles for other cities

This amount for electronic registration in Sberbank, includes the state fee for registering property rights when submitting documents electronically (1,400 rubles), and from March 2018 - also drawing up a purchase and sale agreement.

The borrower pays for electronic registration services.

Electronic registration in Sberbank and its advantages

Sberbank claims the following advantages of its service:

• Time savings up to 4 working days. Registration times are reduced by transferring documents online from the Bank directly to Rosreestr, bypassing the MFC
• Execution of documents by a Bank employee within 15 minutes and without queues
• No mortgage. When removing an encumbrance, you do not need to go to the bank to write an application and wait up to 30 days.
• Registration of property rights in 1 visit to the Bank
• Personal manager
• Interregional transactions. The ability to complete a transaction when the buyer is in one city and the seller in another

Electronic registration of a transaction in Sberbank reviews

What happens in practice:

• Sometimes the stated deadlines are violated (even up to 2 weeks). Bank employees cannot or do not want to explain such serious delays.
  Of course, this happens extremely rarely, but this does not make it any easier for the parties to the transaction who find themselves in such trouble.
  Therefore, when planning the completion date of the transaction, take this circumstance into account!
  According to the law, a mortgage transaction is registered within 5 working days, but documents submitted to Rosreestr electronically must begin to be processed by the registrar no later than the next day.
  Perhaps Rosreestr is not yet able to meet these deadlines.
• Of course, when completing a transaction, it is not possible to complete it in 15 minutes. Plan at least 1-2 hours of time.
• No paper mortgage. So far we have no experience in removing the burden in such a situation. Then I will supplement this section with practical recommendations.
• Your personal manager will lose all interest in you after issuing a loan, and if you choose the “Safe Payments” service, this will happen immediately after signing the Sales and Purchase Agreement.
  Therefore, don’t expect too much help. After all, he will be busy with the next transactions.

Electronic registration in Sberbank. Safe transaction in Sberbank

An additional service for transaction participants is “Secure Payments”

Secure payment in Sberbank during a purchase and sale transaction is ensured by opening a special Nominal Account to which the buyer transfers funds, both credit and personal (optional).

After the registration of ownership of the buyer is confirmed by an extract from the Unified State Register, which the Bank requests from Rosreestr, the funds are transferred to the seller’s account.

If suddenly the transaction does not take place, the funds are returned to the Buyer’s account.

To the question: “When?” The bank's specialists have not yet given an answer. And the question is reasonable! After all, the buyer (borrower) already pays interest to the bank for using the loan.

When we receive a clear answer to this question, I will update the article.

For the seller, this method of payment is really good.
But, so far we are seeing a delay in the transfer of money to the seller’s account for up to 5 days.

Yesterday (05/17/2018) at a partner meeting with representatives of Sberbank, we did not receive an answer to the question about the reasons for such a long delay.

The cost of the service is 2000 rubles. These costs can be divided between the parties to the contract or, by agreement, assigned to one of the parties.

Electronic registration in Sberbank. Secure payment in Sberbank during a transaction or cell

The “Secure Payments” service is a simpler and more convenient way to pay under a real estate purchase and sale agreement.

The buyer does not need to cash out his funds and deposit them in the cell.

The seller does not need to come to the bank to receive money from the safe deposit box; the funds will be automatically transferred to him after the bank receives an extract from the Unified State Register of Real Estate registering the transfer of ownership from the seller to the buyer

Life insurance for a mortgage at Sberbank

I would like to add a little more useful information to the article for the borrower.

Before signing the Loan Agreement, you need to insure your life and health.

Of course, you can take out a policy at any insurance company, but now, for young borrowers, it is profitable to do this at Sberbank.

Electronic registration of purchase and sale transactions in Sberbank

An application via the Internet is a quick and convenient way to register your legal rights to an apartment, house, land or other real estate.

Here you will find the answer to the question: submitting documents for registration of rights through Sberbank

Article updated 04/24/2018

Electronic registration of real estate

Rosreestr has launched and is actively promoting a service for accepting documents for registration in electronic form.

This seriously reduces the labor costs of Rosreestr and leads to a reduction in registration time.

An application for registration of rights submitted with a package of documents in electronic form is processed on the next business day and if there are no reasons for suspension, the right is registered.

That is, an entry is made in the Unified State Register (formerly Unified State Register) on the transfer of rights property or other real right, from one side of a real estate transaction to the other side of the transaction.

And record about registration such right belongs to the new copyright holder.

Also, the entire package of documents on the transaction is placed in the electronic Archive of Rosreestr, including the document expressing the content of this transaction - a contract, agreement or other document establishing the law.

Electronic registration of real estate transactions

Submitting documents for registration to Rosreestr has already been successfully used by notaries and Sberbank for their mortgage transactions completed in simple written form.

For ordinary applicants, this form of document submission remains difficult due to the lack of a digital electronic signature among the parties to the transaction.

Because the the contract must be signed by the digital signature of all parties to the transaction.

Until now, this attribute is expensive, the production of an electronic digital signature costs 5,000-10,000 rubles, and besides, only a special electronic digital signature (EDS) is suitable for Rosreestr. And each participant in the transaction needs an electronic digital signature, which results in very high costs.

We still don’t have a single digital signature in our country! This is very bad.

We hope this will pass, since this information has already reached the President))))) and surprised him a lot.

However, submit documents for registration of real estate rights on paper Through the MFC it is now not at all difficult and will cost less, and you will have the usual paper documents on hand.

Read additional useful articles:

Helpful information:

Now Sberbank mortgage centers provide a service for transferring documents for registration via the Internet.

The cost of the service varies and depends on the region: on average 7,000.0 rubles, including the state fee for registering the right.
This payment also includes the drawing up of a Purchase and Sale Agreement in simple written form by a bank lawyer.

Registration deadline: 3 working days

But let's return to the topic of conversation.

Electronic registration of rights to real estate

Rosreestr, receiving a package of documents for registration via the Internet, redistributes it first to an expert to study the legality of the transaction, then to the state registrar.

Registrar:

• certifies the title document with an electronic digital signature. Moreover, the digital signature certifies the file with the document, and not each page of it
• makes an entry in the Unified State Register of Real Estate about the transfer of the right and registration of the right to the new owner
• generates an extract from the Unified State Register certifying the registration ()
• and sends a file with a title document and an Extract from the Unified State Register, certified by digital signature, to the applicants’ email address.

Attention! Documents certified with digital signature cannot be affixed with regular (physical) seals and stamps.

Save the letter from Rosreestr or download the documents onto a flash card or otherwise save in electronic form.

The authenticity of these documents is on the Rosreestr website.

Electronic registration of real estate. Electronic registration in Sberbank

Sberbank was the first to launch a service for submitting documents for registration to Rosreestr electronically for its mortgage borrowers.

An agreement on this was signed between Rosreestr and Sberbank.

For applicants, this service is paid - 7,000.00 rubles. For capitals - 10,000.0 This price includes the state fee for registering the right.

For now, the service is available when completing a transaction in simple written form.

Electronic registration of real estate. Documents receiving

After registration of the transfer of rights and registration of ownership, the parties to the transaction will receive files with documents certified by digital signature to the email specified in the application.

Such documents have the highest legal force and are required to be accepted in all institutions and organizations.

Save them on several electronic media and reliable cloud storage devices (Yandex Disk, for example).

For presentation, save on flash drives.

Any official will be able to check their authenticity.

PS. Due to the fact that Certificates of state registration of rights and title documents of former owners, with the electronic method of submitting documents for registration, remain in their hands and are not extinguished in any way in a transaction executed in simple written form, many of these will soon enter the real estate market documents involved in fraudulent real estate sales schemes.

Be carefull!

The only proof of registered rights to real estate is an entry in the Unified State Register of Real Estate!!!

Before transferring funds in a purchase and sale transaction, obtain a fresh extract from the Unified State Register of Real Estate.

How to obtain an electronic signature. Information from Rosreestr

Rosreestr began issuing digital signatures for participants in real estate transactions.

Price - from 500 rubles for one participant in the transaction.

When submitting applications electronically, the state fee for registering property rights for acquirers of rights is 70%, that is, 1,400 rubles for everyone.

I remind you! If you submit documents electronically, you will only have documents in digital form!!!
It is IMPOSSIBLE to put “blue” stamps on their paper counterparts!

Electronic registration of real estate, application via the Internet: 104 comments

Good afternoon

I plan to make a tax deduction through my Personal Account on Nalog.ru.
There was Electronic registration of PrEP.
What documents must be submitted to the tax office in this case?
How do the tax authorities now view Electronic Registration and the absence of a DCT with a blue seal?

• Good afternoon Please tell me! How to register an encumbrance on real estate through an electronic digital signature, under a loan agreement? For example, there is a loan agreement and a mortgage agreement between individuals. In order not to waste time going to the MFC and to issue a loan to the client as quickly as possible, what needs to be done for this??? Thank you in advance for your response!!!

• Good afternoon! please write an approximate text of the receipt from the seller for electronic registration, it is not clear in what form it will suit the tax authorities. If 100 thousand have already been handed over and the rest through Sberbank (personal funds and credit) via electronic registration, how can this be done correctly? Do I need to indicate the cadastral number of the apartment or the number of the purchase and sale agreement?

• Hello! What documents do you need to have on hand when registering after electronic registration? Everywhere they demand an extract from the Unified State Register of Real Estate, they asked me three times whether I should print it out or just come with my passport. Nobody can give an answer. And yet, I need to leave urgently, if I return in two months and go through the process of transferring my personal account to myself and my registration, will this not be a violation of some point of the law?

• Forgot to add! With electronic registration, I don’t have to wait for it, do I? Can I leave?
  The only problem is with the transfer act. The manager said that we will receive the keys only after registering the ownership.

• Hello! Please tell me, when electronically registering the purchase of an apartment with a mortgage, is the presence of the seller required? We are buying an apartment with a mortgage. Time is important. The seller's representative says that we must pay him money for the services of registering title, plus a power of attorney for him, plus a fee. All this will take at least two weeks. I can not understand! Can't we submit registration documents ourselves? Without MFC it’s two days faster and cheaper! You don’t have to pay for services or a power of attorney, and we also save time. We are thinking about electronic registration through SB, although, of course, the reviews are very scary for many!!! Question! Is electronic registration really faster? How many? Or even with such a transaction it is impossible to avoid sluggishness and the human factor? Is she really as scary as many people describe her? I mean problems with documents, errors, etc.? You can also receive an extract from the Unified State Register of Real Estate with a stamp on paper, as I understand. It’s easier for us to pay money to the bank and get expedited registration. We can also go to the MFC ourselves. But we understand that the representative will lose money and, accordingly, will he want to come to the MFC in person! That is, is it necessary to have a representative of the seller present when we submit documents with a purchase and sale agreement to formalize ownership? Can he come to another MFC? We are in Moscow. The distances are not the closest.
  If the deadlines for electronic registration are indeed shorter and longer, then what is the right thing to do? Should I tell the security manager about this in advance? And is the presence of the seller still necessary? Thanks in advance for your answer!

• Good afternoon We bought an apartment through the Domklik service from Sberbank. An extract and a written document with electronic signatures were sent to the email post. Can I order this statement in paper form with blue stamps and a registered DCP from the MFC? What documents must the seller give me? (technical passport, acceptance certificate, receipt...?

• Good afternoon.
  Please tell me.
  We completed a mortgage transaction in Sberbank via an electronic signature, after the transaction an extract from the Unified State Register of Real Estate was sent by email, but we were unable to check the signature (when checking, it roughly says something like this: that one of the certificates has expired its signature period), the extract was printed without a stamp (should there be electronic statement with a stamp?), Rosreestr could not help in any way (they switched from employee to employee), how can you still check the electronic statement?. Is it registered in the Russian register?
  And the second question, a message was received from Sberbank regarding the submission of ownership documents, the employee took copies of an extract from the Unified State Register and electronic signature verification key certificates with an application for verification of the CA signature. Did the employee have the right to take copies of the last two documents?
  Thanks in advance.

• Good afternoon We completed the purchase of an apartment using an electronic digital signature through Sberbank. We applied to the passport office for registration and received a refusal with the following text: “The issue of registration will be considered upon provision of documents confirming ownership or their copies, certified in the manner prescribed by law.” What to do, where to go????

• Hello! I am selling my apartment (one owner), buyers with a Sberbank mortgage. I will not be able to attend the transaction; there will be a proxy from me. In this case, is it possible to register the transaction electronically? Or only if I’m present myself?

• Hello! 25.01. 2018 made a transaction using electronic registration. 29.01. The documents arrived in the mail, but I discovered that they did not have an electronic signature and that the extract from the Unified State Register was missing 2 pages when registering for the apartment a few days ago. Where to go to get this signature?

• Good afternoon Olga! We want to use electronic registration in Rosreest through Sberbank, but we are afraid of problems with the return of 13% tax and others. How things stand now with the regulations for submitting documents to the tax service and other services.

• Good afternoon. And to get a 13% tax refund, just an extract from the Unified State Register will be enough, otherwise they require an agreement with a Rosreestr stamp, but we had an electronic transaction. What should we do in this case? Which document should I show to the tax authorities?

• Good day. Completed electronic registration. Extract from the Unified State Register of Real Estate in hand. We submitted documents for government support, but received a refusal. The reason for the refusal was that a shared construction participation agreement, concluded and registered in accordance with legal requirements, was not provided.
  As required by law? As I understand it, they don’t know the laws?

• Hello. We decided to buy an apartment in another city using a mortgage and e-registration with Sberbank. It is necessary to allocate shares in this apartment to children because... they had shares in the apartment that was sold earlier. Guardianship and the bank give the go-ahead, but what is the best, fastest and most painless way to do it financially? (Co-borrower spouse.)
  Apply for a mortgage in your name using email registration and then allocate shares to everyone? Or should I go to another city and apply for PrEP for all family members?

• there was electronic registration after 2 months. I received an SMS message that I have been charged a fine. Although the bank takes the blame for not transferring the loan agreement... What should I do?

• Hello! We applied for electronic registration through Sberbank. The DCT was sent in electronic format by the bank manager to Rosreestr. The DCP itself was compiled as if it were submitted through the MFC, i.e. at the end, where the signatures of the parties are indicated, there are empty spaces for signatures (surnames are not indicated). Will there be a suspension because of this or not? The manager didn't explain anything.

• Good afternoon Please tell me, after electronic registration has been completed and I have become the owner of the property, which structures should I contact for complete registration? Thank you in advance.

• And another question is whether electronic registration of an apartment can be converted to regular registration. We very much regret that we listened to the bank manager and made it electronic. Still, on paper you feel more comfortable and confident.

  • Reply for Maria.
    “transfer to normal” cannot be done, everything has already happened.
    You didn’t specify where the apartment number was missing, in the purchase and sale agreement or in the registration application?

    • The apartment number is not in the registration. Everything was indicated in the contract. But after registration it arrived in the mail without an apartment number and the area is not the same as in the registration certificate.

      • Reply for Maria.
        This means that there was a technical error in the registration application.
        Now you need to make changes to the Unified State Register, that is, correct a technical error.
        You need to contact Rosreestr with a statement about this, you can do this through the MFC. You don't need to pay money for this.

Hello. Please answer the question. There was an electronic registration of the apartment for a mortgage and the apartment number was not indicated. How to correct this error? Who should I contact? Rosreestr sends it to the MFC or who registered the apartment. MFC in Rosreestr. And so in a circle, what to do?

• Good afternoon How long does it take to electronically register a transaction? All documents were signed on November 21, we were told no more than 2 days. Today is already 24.11, the status in the Sberbank Domklik is being processed... we are starting to worry...

• Hello, we carried out electronic registration of preschool education through Sberbank. We received an email with an error in the contract date. Those. The agreement was registered on November 22, 2017 instead of November 21, 2017. What should I do? Problems may arise with registering property after putting the house into operation and returning income tax.

• Good afternoon. I am applying for a mortgage at Sberbank, at first I decided that I would use the electronic registration service. But in the end I decided to refuse. We have a deal scheduled and I’m running out of time, the bank manager knows all this. As a result, the manager tells me that in order to cancel registration I need to wait another week. Has anyone had a similar case, I don’t understand why wait another week? I haven’t signed anything yet, no consent for electronic registration.
  Thank you in advance.

• Good afternoon The sales manager includes the cost of electronic registration when drawing up an equity participation agreement in the cost of housing under construction, referring to the “agreement” with Sberbank. But these are two different services: electronic registration of a transaction and the purchase of housing under construction? How legal are the actions of the sales manager? Can I pay separately for email? bank registration? Thank you in advance.

• Hello, I bought an apartment documents in electronic form, how will I register the ownership of the home?

• Good afternoon
  I have the next question. When conducting the transaction, the seller of our apartment incorrectly indicated the aileron address (we had electronic registration). The bank and my email address received documents with an extract from the Unified State Register and other things, but what was intended for him, at best, did not reach him, at worst, went to the mail of a stranger. Could this situation pose any danger to us, buyers, and now owners?
  I would be grateful if you answer.

• Hello, it is possible to cancel an electronic transaction. If the documents have already been completed and sent

• Hello! I am the Seller (owner) of the apartment and I want to indicate in the main purchase and sale agreement for a mortgage (Sberbank) so that the write-off (transfer) of loan funds by Sberbank occurs according to the Buyer’s payment order from his current account. And I want to ask you. In this case, is it necessary to indicate Sberbank as a party to the agreement along with the Buyer and Seller?
  And further. How does the main Mortgage Purchase and Sale Agreement with regular registration differ from the Mortgage Purchase and Sale Agreement with its electronic registration, which is offered by Sberbank?
  Thank you in advance.

• Hello, if the purchase and sale agreement is concluded on a regular medium with stamps, is it possible to transfer it to electronic registration? There was an installment plan, I want to arrange the rest through a mortgage from the bank. For mortgages through electronic registration, a purchase and sale agreement is required in electronic form.

• We have completed electronic registration, but now we cannot make changes to our personal account! The management company refuses to accept the documents, citing the fact that they do not have the opportunity to verify their authenticity. They send it either to a notary or to the Russian Register. How to be???

Sberbank is one of the largest and most popular banks in Russia, providing a wide range of services. This financial and credit organization has many banking products, as well as significant support from the state. Clients can already register their mortgage electronically with Sberbank without visiting Rosreestr or MFC. This is a reliable and convenient service. It is worth considering it in more detail.

What the new service can do

What is electronic mortgage registration? To give a complete answer, it is better to list the services provided within the service. Sberbank clients can:

• Pay the state fee immediately after submitting the application. In addition to eliminating the need to pay a receipt at a bank branch, the state provides a discount of 600 rubles. That is, instead of the standard amount of 2000, the client pays only 1400 rubles.
• Get a stronger electronic signature. It is a certain code known only to the owner of the digital signature, which allows you to find out who the author of the document is.
• Instruct the bank to independently send electronic documents to Rosreestr.
• Use the help of a credit manager and count on a quick resolution of possible issues.

As a result, electronic registration of a mortgage takes the following form: the client transfers the necessary documentation to Sberbank employees, who send it to Rosreestr, and after 5 days the applicant receives ready-made documents.

Features of an online mortgage transaction at Sberbank

Reviews of electronic registration of a mortgage transaction in Sberbank indicate that the procedure is more advanced than in other financial and credit organizations. An agreement was concluded between Rosreestr and Sberbank allowing transactions to be concluded on the Internet.

When the process is completed, a corresponding record of ownership will appear in the Unified State Register of Taxpayers.

Benefits include not having to wait in a long line at the bank. In addition, there is no need to go to different organizations. You just need to wait for an email with documentation. In addition, there are no paper documents that can be easily lost or damaged - they are issued in electronic format.

Two documents arrive in the mail: one is the main one, the second is a digital signature. You can check the authenticity on the official website of Rosreestr. An extract from the Unified State Register of Taxpayers is also in electronic form. According to clients, with the help of this service, the period for electronic registration of a mortgage transaction with Sberbank is significantly shorter than with the classic registration option.

Required Documentation

Both parties are required to submit the following documents for electronic registration of a mortgage with Sberbank:

• photocopies of passport pages of both parties;
• notarized consent for the sale of residential premises;
• home purchase agreement;
• if available, a mortgage agreement;
• extract from the Unified State Register of Real Estate;
• a certificate from the housing office indicating all persons registered in the apartment;

ATTENTION! It is needed to make sure that there are no children or incapacitated people registered in the property being sold.

• application for electronic registration of a transaction.

The bank employee has the right to demand only these documents. There cannot be any additional information.

Stages of concluding an electronic mortgage transaction

The process of electronic registration of a mortgage through Sberbank is the following sequence of events:

• First, the issuance of a mortgage loan is approved. When a property is selected, the client needs the seller’s consent to complete the transaction electronically.
• The bank employee takes the application and package of necessary documents from the buyer for consideration.
• Next, the preparation of enhanced signatures and virtualization of documents is carried out.
• The service and state fee are paid, documents are signed.
• All documentation is sent to Rosreestr, where the transaction registration procedure takes place.

As a result, the applicant has: a mortgage agreement, a purchase and sale agreement, an extract from the Unified State Register of Taxpayers (by e-mail).

Disadvantages of the service

In addition to significant advantages, such as convenience and speed of service, electronic registration has its disadvantages. Among them are:

• Only Russians can use this service. It is not available to foreigners and stateless persons.
• The applicant must have reached the age of majority and be considered legally competent.
• The service is only relevant for a transaction that involves an entire apartment. If you are selling part of your home, you will have to arrange it in the classic way.
• If the property was previously purchased before 1998, you will not be able to use the service.
• The price of the service is quite high. Many clients will not be able to afford to pay from 5,500 thousand rubles for electronic registration.

Despite the shortcomings, the service is easy to use. According to reviews, customers like the speed of service and its convenience. Therefore, you can safely use it when applying for a mortgage.

"Electronic transaction". Sberbank. Online registration via computer.

Sberbank and registration via the Internet. Consequences of a mortgage transaction. Is everything as good as they promise at Sberbank?

Mortgage buyers! This article is for you. I was prompted to write this text by a comment that a girl left for me on the article.

She told in a nutshell what awaits the buyer after the electronic registration of a mortgage transaction with Sberbank, which mortgage managers are so diligently promoting. The mortgage itself is not a very pleasant thing: you pay the cost of the apartment, interest to the bank (not small at all). You will already have to strain all your efforts to pay this money, and then there are the consequences of electronic registration of the transaction.

In addition to technical failures and the human factor in the transaction itself, which affect the result - registration of the purchase and sale agreement electronically, there are a lot of consequences for confirming your rights to real estate. This is where “it” began...

What remains in the hands of the buyer after the transaction?

1. A purchase and sale agreement signed by the seller and the buyer, without a stamp on the transfer of rights. Nonsense? You say. No, it's not nonsense at all. This is a filk's letter - either you have rights or not? What if the owner is a different person? How many people signed this?

2. Extract from the Unified State Register of Real Estate. Document, of course. But it is valid for only 1 month. Those. You can only confirm your rights to real estate after the expiration of time by taking a new extract. And so every time you have to draw up this or that document, or prove that you are the owner of the apartment.

Mortgage electronic registration. Bottom line.

And so, throughout the ownership of this property (which has undergone electronic registration), you will each time prove that you are not a “giraffe”, but the owner of your apartment.

And every time you will need to run to the MFC or the “My Documents” center and order for 400 rubles. extract from the Unified State Register of Real Estate. Who needs it? To you? Hardly. The answer is simple, Sberbank needs it. It is convenient for him to have a client base, control the entire transaction and keep everything in his hands. This is an additional flow of money into Sberbank's pocket. There is no convenience for the buyer.

The deal went through. The owner of the apartment will have to suffer, not Sberbank. If you need documents from the tax office, go get an extract from the Unified State Register of Real Estate. If you need to send your child to school at your place of residence, get a USRN certificate. You can complete the rest yourself when you complete the mortgage transaction with electronic registration.

This is what the comment looks like.

"Good evening. Unfortunately, this is not the end of your ordeal. When buyers go to transfer their personal account, they will be asked for a certificate of ownership, a purchase and sale agreement, etc. further more... If you want to return income tax, that’s a problem. The tax office asks for the same documents. Now we are butting heads with the tax office. They don't even understand what to take from us. And now I’m thinking what will happen if I need any kind of certificate in December, for example, for school. You will have to order the USRN every time. And this is 400 rubles. That's the experience."

Speaking of tax... Of course, she has all the information on your transaction and real estate. But as is customary in our miracle state, you must prove what you bought. And provide the entire package of documents. Who are you to the tax office? You are the source of money that she may not return to you in the form of an income tax refund. The tax inspectorate, you see, doesn’t understand “what’s going on”... Why should they understand? The less taxes it returns, the better it performs. Because it works for the state, and not for you, dear taxpayers! And the state is our bureaucracy, which we feed.

And we must remember this so as not to get upset again.

Before you get involved in this story with electronic registration, think a little... I would refuse right away, so as not to suffer from going to the Unified State Register and not to feel like a giraffe.

Electronic registration of a real estate transaction through Sberbank. General information to familiarize yourself with the service.

You no longer need to go to Rosreestr. Sign the loan agreement and send documents for registration to Rosreestr at the bank branch.
The service is provided by Sberbank Real Estate Center LLC, part of the Sberbank group of companies and operating under the DomClick brand.

➜ Electronic registration allows reduce the loan/mortgage rate by 0.5%!
The rate reduction is achieved through a discount provided for borrowers who use electronic registration. The service is provided by the Real Estate Center from Sberbank DomClick. The service can be ordered from the mortgage lending manager in the client’s account; do not forget to check with him for the list of developers participating in the promotion. List of developers participating in the action.

Traditional registration

2. Rosreestr or MFC - Submit documents for registration
3. Rosreestr - Registration of documents
4. Rosreestr or MFC - Receive registered documents
5. Submit documents to the bank

Making a transaction in one step through the bank

1. Sberbank - Sign a loan agreement
2. Home - Spend time with family
3. We will do the rest - we will send documents for registration of property rights to Rosreestr in electronic form. The registered documents will be sent to the email of all participants in the transaction - the seller, the buyer and the Bank.

You no longer need to waste time traveling.

How does electronic registration through Sberbank work?

The Bank Manager will prepare and send documents to Rosreestr in electronic form

Rosreestr receives documents online and begins registration

As a result, you will receive documents with an electronic mark on state registration by email:

An extract from the Unified State Register of Real Estate (since July 15, 2016, the state registration of the emergence and transfer of rights to real estate is certified by an extract from the Unified State Register of Real Estate4)

Contract of sale

For what transactions is the service available?

1. With a Sberbank mortgage - When electronically registering a transaction with a mortgage loan from Sberbank, the buyer will not have to issue a mortgage

2. Without a Sberbank mortgage - Electronic registration is available for transactions using your own funds without involving a mortgage

What is included in the electronic registration service?
- Payment of the state fee for registration of transfer of ownership
- Issue of an enhanced qualified signature for all parties to the transaction
- Sending documents electronically to Rosreestr
- Interaction with Rosreestr and registration control
- Transaction support by a personal manager

Any questions?

Contact your mortgage lending manager The service for transmitting documents for state registration to Rosreestr in electronic form is provided by the Limited Liability Company "Real Estate Center from Sberbank" (OGRN 1157746652150, address: 117997, Moscow, Vavilova St., 19, www.domclick.ru), is part of the Sberbank Group of Companies. The service is provided at the Sberbank Mortgage Lending Center. PJSC Sberbank (General license of the Bank of Russia for banking operations No. 1481 dated August 11, 2015) acts as an agent of CNS LLC on the basis of an agreement. ↩

The service is available for purchase and sale transactions of apartments on the secondary market and land plots without buildings, the ownership of which was registered after 1998. Participants in the transaction must be only individuals - citizens of the Russian Federation. Direct transactions are accepted for electronic registration (alternative transactions (chains) cannot be registered electronically). The property cannot be sold from shared ownership and/or acquired into shared ownership. The parties to the transaction cannot be minors or under guardianship/trusteeship. There should be no representatives in the transaction under a notarized power of attorney. There can be no more than five co-borrowers, two sellers, and two buyers in a transaction. ↩ Rosreestr begins registration after receiving the full package of documents and paying the state fee, according to the regulations published on the website rosreest.ru. Registration deadlines are established by Federal Law dated July 21, 1997 N 122-FZ (as amended on July 3, 2016) “On state registration of rights to real estate and transactions with it,” Article 13, paragraph 3. ↩ According to Federal Law dated July 3, 2016 No. 360-FZ “On Amendments to Certain Legislative Acts of the Russian Federation” (Article 2) ↩

Source - onreg.domclick.ru