Electronic registration of a transaction in Sberbank: purchase and sale of real estate, ownership of an apartment through a bank, what is it, registration of a property registration document in the Russian Register, how it goes, is it mandatory, what is the cost

Why is electronic registration of a transaction necessary?

The program was created for Sberbank clients who are focused on completing a real estate transaction. Applicants can now quickly buy an apartment and reduce the interest rate.

In 2021, users of banking services have the opportunity to register a transaction online. The creators of the service have provided the following functions:

Sending electronic documents to the Russian Register;
Payment of state duty at a discount;
Issue of a confidential electronic signature;
Assistance to the loan manager during the transaction process.

The client spends little time submitting documentation online. He should not stand in endless queues at government agencies and sign up for registration on a certain day. There is no need to fuss with papers, because all documentation is presented in electronic form.

Electronic mortgage registration service from Sberbank

Sberbank was almost the first financial and credit institution to put into practice an electronic service for registering mortgages and other transactions. To begin cooperation with Rosreestr, a bilateral agreement was signed.

One of the advantages of electronic registration of a mortgage at Sberbank is security and confidentiality. You just have to pay for this service - the amount depends on the type of housing being purchased and the region where the transaction takes place. The price also includes state duty.

The electronic registration procedure is carried out by the credit manager of Sberbank through the “Personal Account” of the DomClick service. To do this, you must first register on the official website of the online center.

This service is available even when applying for a mortgage in another bank that is a partner of Sberbank. Then the realtor can take on the responsibilities for carrying out the procedure. On the main page, you need to select the option to connect electronic registration to the transaction being performed.

How does the procedure for electronic registration of property rights work?

The procedure for registering a transaction through the electronic service:

The credit manager or developer scans and sends the necessary documents to Rosreestr via a secure channel.
After receiving all the documents online and paying the state fee, Rosreestr begins the procedure for registering the transfer of ownership of real estate.
The purchase/sale agreement and an extract from the Unified State Register with the appropriate note will be sent electronically to the applicant’s e-mail.

Required documents

List of documents that must be provided to the bank when purchasing an apartment with a mortgage:

passports of all parties;
agreement for the purchase and sale of a residential property or equity participation agreement (DPA);
mortgage agreement;
written consent of the spouse, if the borrower is married;
extract from Rosreestr for the property being purchased;
certificate of absence of persons registered in the apartment;
an application for a transaction at Sberbank, which is completed directly on the website.

The bank also prepares enhanced electronic signatures (ECES) for each participant in the transaction.

How long does the process take?

Electronic registration of the transfer of ownership of residential real estate takes place in accordance with the regulations of Russian legislation (Article 16 of the Federal Law No. 218 of July 13, 2015 “On State Registration of Real Estate”) and within a clearly defined time frame. Preparation of documentation takes:

7 weekdays – to enter data into the Unified State Register of Real Estate, if housing was purchased with your own funds without using borrowed funds;
5 weekdays – for properties purchased with mortgage funds on the secondary real estate market.

Possible reasons for registration delay

You will learn that there is a problem with registration from your manager. There is no need to make inquiries with the justice department on your own and guess about what is happening. The SMS message received on the phone will indicate the reason for the refusal by Rosreestr. The manager will tell you what to do in such cases.

When the procedure is successful, you will also receive a notification on your mobile phone.

If the transaction is concluded using mortgage funds, any questions you may have can be asked to your manager through the “Personal Account” on the DomClick portal - direct communication and call are available.

Reasons that usually lead to delay:

What documents does the buyer receive after registration?

Upon completion of electronic registration in Rosreestr, participants will receive two documents by e-mail - with the extensions .xml and .sig.

Expert opinion

Irina Bogdanova

Expert in the field of mortgage lending.

The client will not have real documentation in his hands - it is presented in electronic format. You can check its accuracy on the official portal of Rosreestr after registering the purchase and sale transaction through Sberbank. You just need to first register and gain access to your “Personal Account”.

You can also view and check documents after registration by following the link https://rosreestr.ru/wps/portal/cc_vizualisation.

After clicking on the “Check” button, the “Show in readable form” link will appear. You need to click on it and an electronic statement will appear. It can then be printed or saved to a PC in pdf format.

Expert opinion

Irina Bogdanova

Expert in the field of mortgage lending.

Remote registration of ownership of an apartment guarantees the client receipt of documents that have the same legal force as those on paper (Article 28 of Federal Law No. 218 “On State Registration of Real Estate” of 2015). Printed papers do not even need to be certified by a notary.

Cost of electronic registration of property rights in Sberbank

Online registration through Sberbank costs on average from 7,900 to 10,900 rubles. You can find out the exact amount from your manager, as it depends on the type of transaction. The price is also influenced by the region and the type of housing that is purchased with a mortgage (primary or secondary).

Who will find it useful?

Thanks to the project, citizens and business representatives minimize the cost of time and money. Transactions become transparent and more streamlined, and the risk of fraud and corruption is reduced.

Electronic registration of a transaction is in steady demand among lenders wishing to purchase real estate with a mortgage in another region.

In 2021, completing the transaction took from fourteen to thirty days. The client had to pay travel costs and sacrifice vacation time to complete the purchase.

Today, any applicant only needs to visit a bank or local mortgage lending office once. Moreover, he no longer has to wait for the completion of registration with specialized bodies.

Additional secure transaction services

In addition to the listed services, on the DomClick portal you can find several more useful sections to help participants in real estate transactions:

Market value of the property:

The service allows the seller to set an objective price for his living space and get the maximum possible benefit, and the buyer to decide on a budget, choose the best option and obtain convincing arguments for bargaining.

List of appraisal companies:

It will help you find a reputable company from among Sberbank partners that operates in your locality at a convenient address.

Real estate agency:

The section presents an extensive list of companies in this segment.

How does electronic registration work?

The computer registration program in 2021 required the client to perform the following actions:

Obtain approval for taking out a mortgage and the seller’s consent to complete the transaction.
Hand over the collected papers to the Sberbank employee and sign the loan documents.
Pay for electronic mortgage registration.

This is where the work done by the applicant ends. Then the documents are scanned and sent to Rosreestr. Mortgage registration is carried out by the State Structure. And Sberbank monitors the transaction process and its legal purity.

The procedure for conducting legal examination

An expert inspection of a property through the secure transactions service is carried out within 3 business days. During this period, lawyers of Real Estate Center from Sberbank LLC:

— Collect information and analyze documents about the apartment or house. — They are studying the history of transfers of ownership of the object since 1998. — Check the financial condition of the seller and his reliability (presence of tax debts, litigation, enforcement proceedings, bankruptcy). — Clarify the legal consequences of the transaction and prepare expert conclusions.

What you need to provide

To use the secure real estate transaction service in 2021, the applicant needed to provide:

An application filled out according to the sample provided by the bank;
Photocopies of the passport of a citizen of the Russian Federation;
Mortgage agreement or purchase and sale agreement;
Extract from the Unified State Register, valid for one month;
Consent of the spouse and co-owners of the apartment to carry out a transaction with the living space;
Power of attorney (if the interests of one of the parties are represented by a third party).

Direct payment by bank transfer

Cashless payment - transfer of funds to a card. This is also not the safest method, since the question immediately arises, what comes first: payment or re-registration of ownership of the apartment? Without notary support, one of the parties may be left with nothing: the buyer may give away money and not receive housing, and the seller may “donate” an apartment without receiving remuneration.

What should be the procedure?

Lawyers advise doing the following:

First, prepare documents for registering the transaction in Rosreestr, including an unsigned real estate purchase and sale agreement;
Then draw up a receipt for the transfer of money, which should be kept by the seller;
Then go to the bank with a package of papers and transfer funds in the presence of the seller;
Finally, receive a signed receipt from the seller confirming receipt of money and register the apartment purchase and sale agreement with Rosreestr.

When making cashless payments, do not transfer money to the seller and do not register ownership of the buyer on parole; the safest thing is to involve a notary as a curator of the transaction.

Advantages of transferring to a card

The money is transferred by the bank, which reduces the likelihood of fraud at the stage of transferring funds.
If both parties to the transaction use the services of the same bank, this will save on commissions and reduce the time of transferring funds.

Minuses

After paying for the apartment, difficulties may arise with registering ownership. The money can only be returned through the courts.
Part of the amount will be “eaten up” by interest when transferring funds.
Payment is possible only in national currency.

Why can they refuse?

As of 2021, the bank refused to use the program in the following cases:

The parties to the contractual relationship are minors, incompetent people who do not have Russian citizenship;
Transactions involve multi-stage agreements;
The subject of the agreement is real estate in shared ownership;
Actions with the land on which there are buildings are registered;
More than five borrowers take part in the transaction;
If we are talking about a military mortgage, etc.

The number of sellers and buyers cannot be more than 2 people.

Sberbank refused registration in 2021 if a document from the mandatory list was missing. Then the bank employee informed the applicant about this, as well as the need to provide the missing papers.

Payment via safe deposit box

A bank safe deposit box is a small safe in a special bank storage facility (depository), which it rents out for storing any things - money, documents, valuables, etc.

This is the most common method of transferring money. It's quite simple:

You rent a safe at a bank depository and put money in it.
The seller will be able to access it only by fulfilling certain conditions

Before putting money into a safe deposit box, the entire amount must be counted and checked for authenticity in the presence of the seller at the bank. Bank employees will pack the money into neat bundles and seal it. After this, the money is placed in the cell. If you want to be on the safe side, rent two cells. You can put money in one, and in the other - a receipt stating that the seller received it. When all the terms of the contract are met and the transfer of rights to the apartment is registered, the seller and buyer will present all documents to the bank. After this, the seller will receive the money, and the buyer will receive a receipt.

Before putting money into the safe deposit box, the seller, buyer and bank representative enter into an additional agreement, which specifies the procedure for accessing the safe deposit boxes. This document specifies the conditions under which the seller will be able to receive money. Usually, to do this, it is enough for him to provide a passport and his copy of the purchase and sale agreement with the stamp of the registration chamber and a record that the transaction has been registered and the apartment has become the property of the new owner. If the registration is electronic, a signed agreement and an extract from the Unified State Register addressed to the buyer will do.

For your own safety, you can put a receipt stating that the seller received the money in a separate cell with mirror access conditions. This way, you can confirm settlements for the transaction at any time: as soon as the seller takes the money, you will receive a receipt.

It happens that you don’t have the entire amount in cash on hand. For example, if the money is in different banks and in different accounts, or the bank charges a large commission for a one-time withdrawal of a large amount. In order not to keep money at home or carry it in a taxi or subway, you can remove another cell, this time just for yourself, and gradually put money there until the full amount is collected. Then you can count it in the bank and transfer it to the cell for the transaction.

Renting a cell costs 1000–5000 rubles per month; for an additional agreement you will have to pay another 2000–5000 rubles. So this is not only one of the safest, but also a fairly cheap way of settlement.

What is an electronic signature and why do you need to do it?

Since online registration in 2021 involved the creation of an electronic signature, we advise you to understand the intricacies and reasons for the need for this attribute.

An electronic enhanced signature establishes the identity of the person who signed the agreement. Using a signature, the bank controls the authenticity and integrity of documents.

Sberbank is not the only one that requires an electronic signature. It is needed when drawing up a customs declaration, transferring funds in online stores and in other cases.

What is the price

Computer registration of a transaction when contacting Sberbank in 2018 was paid. To calculate the cost, you need to take into account the type of residential premises and region. For construction, this procedure costs 7,000 rubles, for finished housing – 8,000 rubles. Depending on the region, the cost may also vary from 5,520 to 10,250 rubles.

Included in the price:

Creation of electronic signatures of all parties to the transaction;
Costs for scanning documents and sending them to Rosreestr;
Payment for the work of a personal manager who will assist with registration and monitor the process.

Look at the same topic: Mortgages for civil servants to purchase housing in [y] year: special conditions and design features

State duty is paid separately. Its size for 2018 was 1,400 rubles.

Registration deadlines

If it is necessary to register real estate, each client can order electronic registration of a transaction from Sberbank. How many days does registration take? The maximum is 5 days. During this time, a Sberbank employee accepts the documentation, processes it and transfers it to Rosreestr. Once the documents are ready, the papers are sent by email. The period for electronic registration of a transaction with Sberbank may be shorter.

We invite you to read: Penalties on Sberbank loans

It should be borne in mind that a bank employee may refuse a transaction if there are no documents. Therefore, in case of refusal, the client must be informed of the need to provide the necessary papers. After this, the procedure is resumed.