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

Every real estate transaction must be registered in the Unified State Register of Real Estate. Applying for a mortgage is no exception. But if previously borrowers had to personally appear at the territorial office of Rosreestr or the MFC to submit documents, today electronic registration of the transaction is available in Sberbank.

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What it is

The electronic registration service from Sberbank is a range of services for carrying out the procedure for state registration of mortgages. This means that by using this service, the borrower is freed from the need to collect documents, visit the registration authority, write an application, etc. The bank will take care of all these troubles. This banking service includes:

• payment of the state duty for entering information about the completed transaction into the Unified State Register of Real Estate;
• issuance of an enhanced CEP (qualified electronic signature) for each party to the transaction;
• sending a package of documents for registration by email to Rosreestr;
• active interaction with the registration authority up to the receipt of an extract from the Unified State Register of Real Estate;
• support of the registration procedure;
• support by a bank employee when concluding a transaction.

The borrower has exactly 90 days to:

1. Find a suitable property on the website.
2. Agree on your choice with the lender.
3. Conclude a purchase and sale agreement.
4. Register it with Rosreestr.
5. Sign and register the mortgage agreement.
6. , information about which must also be entered into the Unified State Register.

It turns out that when applying for a mortgage, the borrower must repeatedly encounter the procedure for state registration of a real estate transaction. And this procedure can last from several weeks to several months. The introduction of an online registration service for real estate transactions in Sberbank is aimed at reducing registration times and simplifying the procedure for obtaining a mortgage. The borrower does not have to make an appointment with the registration authority, wait his turn, or take time off from work. Sberbank takes over all contacts with Rosreestr. He himself will send all scanned documents necessary for registration in electronic form.

There are often cases when the procedure is not started due to missing papers. When submitting an application to the registration authorities in person, this circumstance may delay registration for an indefinite period. In the case of the electronic registration service, such problems are eliminated, since the bank’s experienced lawyers handle the preparation and sending of documents.

You can use Sberbank’s “Online Registration” service when:

• concluding a transaction on participation in shared construction;
• purchasing finished housing from a developer;
• purchasing secondary housing;
• when drawing up a purchase and sale agreement for a land plot without buildings (relevant only for those plots for which ownership was registered before 1998).

The service for preparing and submitting documents for registration to Rosreestr is provided to Sberbank clients on the following terms:

1. Sberbank undertakes to provide a full range of services included in the “Electronic Registration” service within 2 weeks from the moment of payment for services and receipt of payment information.
2. Only individuals with Russian citizenship can use this banking service.
3. Only direct real estate transactions are subject to electronic registration.
4. It is impossible to use the electronic registration service if one of the parties is a minor or a citizen under the guardianship or trusteeship of third parties.
5. A transaction cannot be registered in this way if one of the parties was represented by a trustee at the conclusion of the agreement.
6. There are also restrictions on the number of participants in the transaction - a maximum of 2 sellers, 2 buyers and no more than five co-borrowers.
7. Registration will begin immediately after the registration authority receives the full package of documents and payment of the state fee.
8. According to Federal Law No. 218 (2015), the registration procedure will take no more than one week.

Is electronic registration of a transaction through Sberbank required?

Despite the convenience and other obvious advantages of the apartment registration service from Sberbank, some clients prefer to register transactions in the usual way - at the territorial office of Rosreestr or at the nearest MFC. Some people are trying to save money in this way, while others simply don’t trust all these innovations. Therefore, it is no wonder that many are interested in the question of whether online registration is required when applying for a mortgage with Sberbank.

Services to support the transaction registration procedure provided to borrowers by Sberbank are not a prerequisite in the process of obtaining a mortgage loan. Clients decide for themselves what is more profitable and convenient for them. They can continue to independently prepare and collect documents, submit applications to registration authorities, and interact with them until they receive an extract of ownership. However, you should understand that all this will require a lot of time and patience.

If a person is busy and does not have the opportunity to be absent from the workplace often, or it is simply not profitable for him to travel back and forth, then it will be much easier and more profitable to use the Sberbank service and relieve himself of responsibility for state registration of the transaction. Moreover, those who decide to register a home purchase through an online service can expect a reduction in the mortgage interest rate by 0.1%.

Attention! A reduction in the initial rate when registering a transaction online by 0.1% is available only within the framework of lending programs for finished housing and apartments in a new building.

How does electronic registration of a transaction take place?

The algorithm of actions for electronic registration of a purchase and sale transaction through Sberbank is as follows:

1. The buyer of residential real estate sends a mortgage application to the bank and waits for its approval.
2. Then he looks for a suitable object and agrees with the seller on how to register the transaction.
3. Next, a purchase and sale agreement is signed, and all documents related to the concluded transaction are transferred to the creditor bank.
4. Along with the above-mentioned papers, the borrower submits to the bank a corresponding application for online registration of the transaction.
5. The bank prepares enhanced qualified electronic signatures for each participant and makes electronic copies of documents provided by the borrower.
6. The borrower (real estate buyer) transfers funds to the bank as payment for the online registration service (the cost of the service also includes the state fee, which is already paid by the bank) and provides a document confirming the payment.
7. Next, the authorized bank employee sends an electronic version of the documents along with a copy of the receipt for payment of the state duty to Rosreestr.
8. The registration authority enters information about the completed transaction into the Unified State Register, adhering to the procedure and deadlines established by Federal Law No. 218 (of 2015).
9. A few days later, the registration authority will generate an extract of ownership of the object and send its electronic version and the purchase and sale agreement with an inscription on state registration to the email address specified by the borrower.

Advantages and disadvantages

Like everything else, Sberbank’s range of services for online registration of transactions has a number of advantages and disadvantages. Among the advantages of this service it is worth highlighting:

1. It has become possible to register a transaction far from the location of the transaction object and the seller. In normal mode, registration is carried out at the location of the object of sale, which is not entirely convenient if the buyer lives in another city or region.
2. It has become more convenient to submit an application and documents for registration, because the working hours of bank branches are longer than those of Rosreestr and MFC.
3. In just one visit to the Sberbank office, you can solve several important tasks at once - formalize a purchase and sale transaction, pay the seller and submit documents for registration.
4. Just one visit to a bank branch is enough. There is no need to book a ticket or visit the registration office. The bank will send all documentation electronically through its channels. This saves a lot of time.
5. Even those citizens who purchase housing with their own funds (without using credit) can use the electronic registration service.
6. There is no need to pay a separate state fee. The bank will do all this. This amount is included in the cost of bank services.
7. Each client is assigned a personal manager who will advise on all issues of interest and will accompany the procedure for state registration of the transaction.
8. When registering online, borrowers receive a mortgage discount in the form of a 0.1% reduction in the initial interest rate.

The disadvantages of the electronic registration service include:

• Only individuals and only Russian citizens can take advantage of this service;
• This service is also not available for incapacitated and minor participants in the transaction;
• Transactions with property in shared ownership are not subject to electronic registration;
• during the conclusion of a transaction, it is unacceptable for the interests of one of the parties to be represented by an authorized person on the basis of a notarized power of attorney;
• not all acquired objects can be registered in this way (for example, land plots acquired before 1998);
• The online registration service is an additional expense that not every borrower can afford.

How long does electronic registration take?

Electronic registration of an agreement for the purchase and sale of residential real estate through Sberbank occurs in accordance with the requirements of Russian legislation and within the time limits established by law. According to Article 16 of Federal Law No. 218, which came into force in 2015, the transaction is registered:

• 7 working days – for entering information into Rosreestr about transactions of purchase and sale of primary housing, as well as when purchasing real estate on the secondary market without attracting credit funds;
• 5 working days – for secondary housing purchased with a mortgage.

Attention! Employees of the registration authority begin registration only after the state fee has been paid, the appropriate application and a complete package of accompanying documents have been submitted. Therefore, in order for the procedure to take place as quickly as possible, it is necessary to responsibly approach the process of collecting and preparing the necessary documents, which are transferred to the bank for their subsequent sending to Rosreestr.

If the transaction is concluded directly in the presence of the bank manager, then the documents for registration are prepared on the spot on the same day and sent by e-mail to the state registrar. The main thing is to thoroughly prepare for concluding an agreement on the purchase and sale of housing and have all the necessary papers (passports of the participants, consent of the spouses of each party to the transaction, documents for the property, etc.). Otherwise, the transaction may be refused, and the parties will have to collect the missing certificates.

Service cost

The online mortgage registration service from Sberbank is paid. The cost of services ranges from 5.5 thousand rubles to 10 thousand 250 rubles. The final price can be obtained from the bank manager, since the cost is determined taking into account all the features of each specific transaction. The cost is also affected by the region and the type of housing purchased with a mortgage (primary or secondary).

When determining the cost, the bank also takes into account whether the client goes through a mortgage lending program with government support or not, and a host of other factors. This amount also includes the state duty, which the bank will pay before sending the documents to Rosreestr. Therefore, it is impossible to say the exact amount of how much the electronic transaction registration service will cost. You need to focus on average indicators and expect that you will have to pay 5-10 thousand rubles for everything.

For many clients this is a lot of money, but if you consider that in the case of electronic registration the bank reduces the interest rate on the loan by 0.1%, then with simple mathematical calculations this cost will more than pay off. You can use a mortgage calculator, which is freely available on the Sberbank website, and calculate whether it is profitable to pay for electronic registration of a transaction for the sake of a slight reduction in the interest rate. To calculate this, let’s take the rate for the “Purchase of Finished Housing” lending program.

Example. If you take out a mortgage of 1.5 million rubles for 15 years at 9.5%, the overpayment will be 1,319,625 rubles. In the case of electronic registration of ownership of the loaned object, the rate will be set at 9.4%, as a result of which the cost of the loan will be equal to RUB 1,303,245. Consequently, the overpayment of interest when registering a mortgage online will be less by 16,380 rubles. And this is twice as much as the average cost of bank services. You can refuse this service and submit documents to the registration authority yourself, but taking into account the above calculation, this is not only a waste of time, but also money.

Who pays for electronic registration in Sberbank

When deciding who will pay the bank for electronic registration, it is important not to confuse two concepts - registration of a purchase and sale agreement and registration of a mortgage (transfer of the loaned property as collateral). When registering a purchase and sale transaction of an object purchased with a mortgage, the cost of the bank’s services includes a state duty, which is 1 thousand rubles, in accordance with paragraph 28 of Article 333.33 of the Tax Code of the Russian Federation.

Attention! Sberbank services for electronic registration of a mortgage (mortgage note) are paid for by the mortgagor.

Payment of the fee, and, consequently, of banking services for transmitting documents electronically for registration with Rosreestr, is paid by the applicant, that is, the borrower who has taken out a mortgage with the bank. He can agree with the seller and share this obligation equally, but in practice such cases are extremely rare. This is due to the fact that it is the borrower (the home buyer) who receives the benefit in the form of a reduction in the rate, and not the former owner of the home (the seller).

If the bank was contacted for the service of electronic registration of the transfer of rights from one person to another, which took place without attracting credit funds, then the issue of who pays for the services is decided by the parties among themselves. In fact, it doesn’t matter at all who bears the costs for using the benefits of the banking service. The main thing is that payment is made in full and on time. Only then will Sberbank employees be able to get to work and submit documents for registration. But the reality is that since ordering the electronic registration service is in the interests of the borrower (buyer), he actually has to pay its cost.

Poll: are you satisfied with the quality of services provided by Sberbank in general?

YesNo

Electronic registration of real estate transactions through Sberbank has been operating since 2016. The service allows you to officially record the existence of a purchase and sale agreement without personally contacting the Rosreestr branch or the MFC office. The procedure in this case is carried out within a week, whereas previously it took an average of 1 month to collect documents, transfer them to the relevant authorities and direct registration.

​Any real estate transaction at the final stage must be recorded with the Rosreestr authorities. During the process, both the contract itself, signed by the parties, and the transfer of the right to own the object from one participant to another are registered. Without a proper process, the deal will not be legally valid.

Previously, to complete registration, a personal visit to the Rosreestr branch was required to submit documents, contracts and other papers. In this case, it was necessary to ensure the presence of all parties. A little later, it became possible to hand over the documentation to an employee of one of the MFC offices.

The main disadvantage of these registration options is the duration of the procedure, which is at least 30 days, which, of course, cannot be called an advantage. In connection with this, Rosreestr has developed a separate service - electronic registration.

What is “electronic registration”

If we talk about what electronic registration of a real estate transaction is in more detail, then the procedure represents the possibility of sending papers to record the transfer of rights to property through a specialized service. In this case, a personal visit to Rosreestr is not required at all - the necessary documentation is loaded into the program by the responsible person, after which the information is processed and entered into the database. Next, certified papers are sent to the email of each participant.

The main advantage of the electronic registration service, for which, in fact, the service was put into operation, is considered to be the short time frame for recording a transaction. Starting from the moment of sending the documentation and ending with the receipt of ready-made papers, no more than a week passes. Provided that there are no reasons for suspending the procedure.

Electronic registration in Sberbank

One of the first institutions that was interested in registering transactions electronically was Sberbank of Russia. As the largest and most famous financial organization in the country, Sber prefers regular and intensive development of its own capabilities. For this reason, it constantly introduces new services, urging citizens to use them.

The service became available to bank clients in January 2016 after the signing of an agreement between the Registration Chamber and Sberbank. From now on, any citizen applying for a housing loan has the opportunity to choose registration of an agreement as an additional service without visiting Rosreestr. In this case, the credit institution takes on all the worries; in other words, the purchase and sale of mortgage real estate is completed on a turnkey basis. Moreover, when it comes to non-mortgage transactions, electronic registration is also relevant.

At the time of the service’s launch, the ability to use it was available only for recording contracts for the purchase of finished housing. Now the service is actively used for the purchase of apartments in new buildings.

In a broad sense, electronic registration of a transaction with Sberbank includes the following services:

1. payment of the state fee for registration of the agreement and fixation of property rights;
2. issuance of an electronic digital signature (EDS) for all participants in the purchase and sale transaction;
3. transfer of documentation to Rosreestr via secure digital channels;
4. control over the procedure and constant interaction with Rosreestr on current issues.

To carry out the procedure, each client is assigned a responsible manager who manages his case from the beginning to the end of registration. For all questions and unclear points, you can contact him.

Conditions

The service of registering a real estate transaction is possible only if a number of requirements are met:

• The real estate object is ready-made housing, an apartment in a new building, or the purchase and sale is carried out on the secondary market or an empty plot of land is purchased, the ownership of which must be registered after 1998.
• The parties are individuals with Russian citizenship.
• Only direct transactions are subject to electronic registration. Options in the form of contractual chains cannot be fixed.
• The transaction involves the purchase of the entire property. You cannot use electronic registration when purchasing or selling a share of property.
• Minors and citizens recognized as incompetent and under guardianship or trusteeship cannot be parties.
• The transaction is carried out upon the appearance of all parties acting as participants. In this case, representatives under a notarized power of attorney cannot be involved.

Registration through a specialized service can be carried out with the participation in the transaction of no more than two sellers, a similar number of buyers and with the involvement of no more than 5 co-borrowers.

How is the procedure performed?

The entire procedure is carried out at the Sberbank office in the presence of a loan specialist after signing the mortgage agreement and related papers. The next steps are as follows:

1. transfer of documentation to the Registration Chamber through a specialized service by the Sberbank manager;
2. receipt by Rosreestr of papers sent electronically through secure channels and registration of the agreement in accordance with Federal Law No. 218;
3. receipt of a file with a purchase and sale agreement and an extract from the Unified State Register of Real Estate with a mark on the state registration carried out to the e-mail address specified by the client within 5 days.

Electronic registration through similar manipulations is also allowed, but in the developer’s office when purchasing real estate on the primary market. Provided that the company is included in the list of companies accredited by Sberbank.

List of papers

Since the procedure is an official process, the package of documents must correspond to a certain list and include papers for the purchase and sale transaction, as well as passports.

You will need to prepare:

• passports of participants - originals and copies;
• purchase and sale agreement;
• mortgage agreement;
• certificate from the Unified State Register of Real Estate for the property;
• notarized consent from the spouse to conduct the transaction, if the borrower is in a registered marriage;
• application for state registration.

To save time, the list should be clarified in advance. To do this, you can ask a question to the manager responsible for managing the mortgage business.

The cost of electronic registration depends on the region of the transaction and the category of housing. The final amount ranges from 5,550 rubles to 10,250 rubles.

The calculation includes not only the cost of the service, but also the issuance of a digital signature for all parties to the transaction. This is stamped on documents sent to Rosreestr for registration. The documents received by participants by email after the procedure are also certified with an electronic signature.

The price also includes a mandatory state contribution, and the fee will be reduced by 600 rubles. The client will need to pay 1,400 rubles instead of 2,000 rubles.

Benefit

In addition to the obvious advantage of reducing registration time, Sberbank offers an additional reduction in the mortgage interest rate by 0.1% for using the service.

Other advantages include:

1. reduced amount of state duty;
2. the possibility of using the transaction not only by mortgage borrowers, but also by citizens purchasing housing without attracting bank funds;
3. no need to independently visit the Registration Chamber to transfer documentation.

If the parties to the transaction live in different regions, electronic registration will allow you to record the agreement and transfer property rights without additional travel.

​It would be fair to point out the disadvantages that were noted by clients one way or another.

The main disadvantage is the paperwork. The papers received by the borrower after registration do not have standard stamps. The document file is certified with a digital signature and nothing else. It is also not possible to affix stamps. Papers should be saved electronically, for example on a flash drive, and presented if necessary. You can check the authenticity on the Rosreestr website. This format is not always convenient and is not suitable for all citizens.

Errors that may be made during the transfer of information to Rosreestr are also noted. For this reason, the procedure may be suspended until the shortcomings are eliminated.

The electronic registration service for real estate transactions, actively used by Sberbank, has been operating relatively recently. However, many have already appreciated its benefits. The main advantage is a significant reduction in the time spent on registering a purchase and sale transaction in Rosreestr. The entire procedure takes no more than 5 days, and the prepared papers are sent to the client’s email account upon completion. A personal visit to the Registration Chamber is not required.

Not so long ago, fate was destined to participate in a transaction executed electronically through Sberbank, or rather CNS LLC, which is a daughter of the above-mentioned monster. It is also the Domklik brand.

Spoiler- the title basically says it all. Sberbank, as usual, did not let us down and did what it should. There will be details later, but they are the most interesting parts, right?

Let's start with the pros. The best part is for later.

Since there are few advantages, it will be quick.

First. Everything can be done in one place - look at each other, finally discuss the details, carefully study the documents on the transaction, sign an agreement, submit it for registration, arrange mutual settlements and leave satisfied with each other. And all this in two to three hours. Suddenly, but for this you don’t even need to take out a mortgage from a savings bank. Although it is possible within the same process.

Second. Indeed, more for parties to the transaction who are clients of Sberbank from the same region. Payment for a transaction through a letter of credit is quite convenient; the money goes to the seller on the same day as the Rosreestr registers the transaction. Now he can withdraw them in cash without a commission and is free to do this at any branch in his region. Or you can also use a letter of credit for a small fee to enter into the next transaction without having to carry a suitcase of cash.

Third- those who nevertheless decide to take out a mortgage from Sberbank will receive a 0.1 lower loan rate for electronic registration. It would seem like nothing, but for large amounts and long periods of time the savings are quite significant. Anything more than 5-10 thousand for electronic registration.

The positives are over. It's sad, but that's how it is.

Well, now on to the minuses. Now, on the contrary, the most delicious thing comes first.

First- what is sent for registration is not a scanned version of the agreement signed by the parties, as would be logical to assume, but a document in electronic format (in other words, a document in Word). And goes far not parties to the transaction. So what's the big deal? Read on.

Second- follows from the first. Parties no way they will not be able to control what exactly the manager sent for registration to Rosreestr. Not at all. It might be their agreement, or maybe not theirs, or maybe he sent a random file there from his desktop. This seems unknown even to the manager himself. You can try to stand behind him for control and guide his mouse in the right direction with your firm hand, but I suspect that he will vehemently object :)

The result may be, for example, the registration of a version of the contract that is not the one agreed upon by the parties - they will have in their hands one version signed with their own hands, and in Rosreestr the registration will be quite successfully completed by another - the one that the manager sent in obedience to some dark feelings. Yes, now I personally know that this is normal and may be so. Or you may run into a refusal from Rosreestr to register (if they send him nonsense instead of a contract) or a suspension to eliminate comments. And then the first plus annihilates itself.

Third- the ability for the parties to properly edit a document electronically will not be, unless they bring along a laptop with Internet access to send the contract to the manager. Sberbank is not such a rich company as to provide clients with a computer with a text editor :) In general, either send the manager the final version in advance or pray to anyone that he, in splendid isolation in his gloomy hall at his workplace, will be able to correctly make sudden changes to the contract. It’s good that at least he doesn’t refuse to print out the contract in the required number of copies. But he could have referred to the campaign “Let’s save Sberbank another billion” to save paper and save the forests of the Amazon basin. But it’s clear why he doesn’t refuse - this piece of paper with the signatures of the parties means nothing to the savings bank; they register something completely different, and not a piece of paper at all.

Fourth- electronic digital signatures (EDS), which Sberbank will generate for the parties to the transaction to sign the agreement, disposable! Surprise. They can only be used once. After which they turn into a pumpkin, just like in a fairy tale. Yes, clients will not see them and will not receive them - only a piece of paper with the serial number of the signature verification certificate, which 99% of people will not say anything. But the standard validity period is a year; it can be used for another transaction, for example. But no.

Fifth- as a consequence of the fourth. The procedure for signing an agreement via digital signature consists of: transfer to the manager a digital confirmation code (just like in an SMS from an online bank), which will be sent to clients on the phone number specified in the electronic registration agreement and other applications. But! That is if the manager doesn't make a mistake when adding it to his programs, haha. Then there will be a fallback option - the code will be sent by email. What happens if the manager also makes a mistake in the mail - we haven’t tested it. That is, in fact, if someone signs something, it’s not parties to the transaction! The manager does this without them, entering the received codes somewhere there. Otherwise they will make more mistakes, not that he is a specially trained person, hehehe.

Sixth- such registration will not bring any noticeable acceleration of the transaction. Under an electronic registration agreement with Domklik, the purchase and sale agreement is sent to Rosreestr within 14!! days after the client pays the cost of services under the contract. In fact, of course, on the same day, but who is stopping Domklik from acting in accordance with the agreement? Rosreestr (no matter what Sber and its officials say) registers an electronic transaction as it should be according to the regulations - 5 days if it is a mortgage, 7 days for a regular purchase and sale. The MFC will add 2 days to this period, which is not fatal. And registration with Rosreestr is carried out, of course, on the last day of the period allotted by the regulations.

Little things. Well, where would we be without them?

Communication with the manager is exclusively through chat on the website (or application on the phone). This means that communication with the client can be interrupted unilaterally. And hello, my dear amigos.

Because although the manager’s boss is available on his mobile phone, he will only answer with something unintelligible and “we will definitely contact you.” But only the same manager will contact you again, who at most will say “sorry, but you will have to solve the problem yourself and goodbye forever.”

Oh yes, on the Domklik website there is a support phone number, standard for Sberbank, number 900. But there they will only happily declare that they do not support Domklik and you should write to the village manager’s grandfather in the chat. Or, you can also leave a request for consideration in the feedback section on the Sberbank website.

Surprisingly, they will consider it, and even quite promptly. But they will do it in such a way that the reasons for this efficiency immediately become clear - the answer will seem to be copied from the words of that same manager, without much immersion in causes and consequences. And the manager’s incorrect actions will naturally be called a “technical reason” haha. And of course the answer itself will be given completely irrelevant to the questions posed in the appeal.

And this is all - in the capital of the motherland, in the central office on Vavilov Street, in the very, one might say, temple of money. It’s scary to imagine how this service will be provided in places less close to the source of knowledge about the process.

But it is not all that bad. The money from the letter of credit was transferred to the seller automatically on the same day the transaction was registered in Rosreestr (Sberbank received information about this independently). At least they didn’t let us down here.

P.S. At the same time, I can note that the public service of Rosreestr for providing “reference information about real estate objects online” does not contain up-to-date information and is updated with a delay of several! days. This is a good one online in Russian.

Total.

For the most part, the bank doesn’t care about clients, just as before.

Only the banking business, which has been established for a long time and is under control from all sides, operates normally.

Innovations are introduced according to the principle “quickly, quickly, then we’ll figure it out”, the processes are not worked out in detail and it seems that they are not being improved, no one is interested in feedback.

If employees are trained, it seems like they are doing something wrong.

At the slightest problem, the client is ignored, requests at the bank are considered exclusively formally and “to hell with.” Don't expect compensation for inconvenience (or worse).

In general, if everyone is lucky and no one messes up, everything will be fine and beautiful. Otherwise...

"Your opinion is very valuable to you. Stay on the line until your opinion ceases to be valuable to you."

P.P.S. wrote a continuation of the story. There is no less interesting - https://www.

Registration of any real estate transaction is a rather troublesome process, primarily due to the workload of Rosreestr and, as a result, the rather lengthy processing of applications. For the convenience of clients, the organization recently launched a service for accepting documents in electronic form. Currently, electronic registration of real estate transactions is available through Sberbank, as well as through a notary.

Any real estate transaction must be confirmed by the registration procedure in Rosreestr. If previously you had to sign up for this, stand in queues and visit all sorts of authorities, now the process has become much simpler. Sberbank received the right to register real estate transactions electronically using secure Internet communication channels. Most likely, other banks will join it in the future.

In order to submit documents for electronic registration, you will need an application and a share participation or purchase and sale agreement (in some cases, the consent of your spouse). There is no need to issue an electronic digital signature! The process itself takes 5 working days, but representatives of Sberbank and Rosreestr confidently state that in the near future the procedure will be carried out much faster, in one day.

Who needs it

In the dynamic 21st century, many people buy apartments not only in the region where they live permanently, but also in others. For example, a resident of the Far East may well think about buying real estate in Moscow. And one of the most important issues that arises is transport. If the transaction is carried out through a mortgage, the process will take from 10 to 30 days - even annual leave may not be enough to complete it. But now such problems do not exist - they are solved using electronic registration of the transaction.

What does Sberbank and the state get from this? First of all, the opportunity to increase the mortgage portfolio at the expense of nonresident borrowers. The commission charged for the procedure itself is minimal, so the bank is not particularly interested in “third-party” clients buying real estate for cash. But, nevertheless, they can use the service.

What does the client get? First of all, it is an opportunity to save money that was planned to be spent on the flight, and time. The cost of the electronic registration service, amounting to 7-10 thousand (depending on the region), is almost always less than transportation costs, in some cases it even pays for itself many times over.

Electronic registration of real estate transactions is also interesting for those clients who are planning a purchase within their region, but do not have time to stand in queues and settle formalities in various authorities.

Sberbank is the first bank in our country that has the opportunity to carry out electronic registration of real estate transactions. An agreement was officially signed between him and Rosreestr. Initially, it was planned that the service would be provided only for mortgage clients, but as the issue was studied, the list was expanded and now everyone can use electronic registration.

The service is paid, for convenience and speed you will have to pay from 7 to 10 thousand rubles, depending on the region. This amount includes not only the price of services, but also state duty - it will have to be paid in any case. Upon completion of the procedure, a record with updated information about the owner appears in the Unified State Register. At the same time, the client does not need to stand in queues and waste time visiting various authorities - he receives the entire package of title documents 5 working days after his visit to Sberbank by e-mail.

What you need to provide

Regardless of whether you purchased an apartment by taking out a mortgage from Sberbank or on your own, including in cash, to carry out the electronic registration procedure you must submit:

• application filled out personally by the new property owner
• purchase and sale/equity agreement
• if necessary, the consent of the spouse

If at least one of the points is not fulfilled, state electronic registration will be denied.

Conditions under which documents can be submitted for electronic registration

Unfortunately, not everyone can submit documents for electronic registration. In order for them to be accepted at Sberbank, certain conditions must be met.

1. The reason for electronic registration is a transaction. If it was not there, then there is no point in contacting Sberbank.
2. Sberbank considers a transaction completed only if a share participation or purchase and sale agreement has been drawn up regarding its results. It is this that is provided in order to carry out the electronic registration procedure.
3. Participants in the transaction must be only individuals.

Sberbank does not accept documents for electronic registration in the following cases:

• the transaction concerns not the entire apartment, but a share
• We are talking about a military mortgage
• the transaction is concluded by agreement
• the transaction involves minors in any way, directly or indirectly
• more than two people take part in the transaction

In any of these situations, you need to contact Rosreestr directly.

Registration procedure

For the client, the procedure for electronic registration of a real estate transaction through Sberbank is extremely simple - he submits a package of documents and in return, after five working days, receives another package.

Those who purchase an apartment with a mortgage find themselves in a slightly more difficult situation. In this case, the process will be built like this:

• When presenting documents on the property to a mortgage specialist, you must definitely clarify that the registration of the transaction will be carried out electronically
• signing an agreement with the Sberbank real estate center and paying for services
• signing loan documents on the appointed date
• after the documents are signed, they are sent to Rosreestr via special secure communication channels
• carrying out state registration of the transaction in accordance with the requirements of Federal Law No. 218
• receiving a response from Rosreestr - documents and electronic signature

After this, the client becomes the owner of the property and can dispose of it at his own discretion (naturally, within the limits of the restrictions imposed by the loan agreement).

What documents does the client receive as a result?

Despite the fact that the registration process itself is carried out remotely, the client ultimately receives a full package of valid documents confirming ownership of the property, including an extract from the Unified State Register of Real Estate. They arrive by email and do not require additional notarization.

Deadlines for processing documents

The maximum period established by Sberbank for electronic registration of a real estate transaction is 5 working days. Employees and management are optimistic that it will be reduced to one day in the future, but when this will happen is not yet clear.

In any case, during this time the application with attachments is received, processed, and transferred to Rosreestr. After receiving the response, Sberbank sends it to the client via email. If due to the lack of any documents registration is refused, the process, accordingly, the calculation of the period will begin again.

Advantages and disadvantages

Electronic registration is, of course, convenient, and it has a huge number of advantages compared to regular registration. But since the process is still quite “raw”, there are also shortcomings that will most likely be eliminated in the future.

pros

• this process, in fact, has eliminated “territorial obstacles” to processing mortgage transactions - now they can be easily carried out while in another region;
• electronic registration has significantly reduced the time required to register real estate - now there is no need to stand in queues and travel to various authorities, just contact a credit institution;
• the finished documentation is transferred to the new owner of the property via e-mail, which means that one single visit to the bank is enough to complete the registration;
• electronic registration is available not only to mortgage clients of Sberbank, but also to those who buy real estate with their own funds;
• Answers to all questions of interest can be clarified with the manager of Sberbank. If necessary, he will help you fill out the application.

Minuses

With all this, electronic registration also has a number of disadvantages:

• the procedure is paid, and its cost for many is quite significant
• in some cases it is impossible to use electronic registration - and the list of restrictions is still quite long (transactions involving minors, military mortgages, and so on)
• The service can only be used by citizens of the Russian Federation; it is not available to foreign citizens
• to popularize the service, Sberbank increased the mortgage rate by 0.1% for those who decided not to use, or cannot use, electronic registration

In any case, both Sberbank and Rosreestr are working to eliminate all these shortcomings, and the electronic real estate registration service is becoming more and more popular. First of all, because it is not only convenient, but also very simple.