Raiffeisenbank and Granel carried out the first joint transaction with electronic registration of a mortgage

2020: Online registration of the agreement of individual share and loan agreement

Raiffeisenbank reported on November 17, 2020 that together with Granel Group carried out the transaction with online registration of the agreement of individual share and the loan agreement. It allowed the client to obtain a mortgage loan quicker: all necessary documents were signed with the help to the strengthened qualified electronic signature and directed to registration in Rosreestr.

The Agreement of Individual Share (AIS) is used for acquisition of apartments in primary market. The buyer invests money in construction of the house together with other future residents, and the builder in exchange assigns to it the right to the specific apartment which is recorded in DDU. Thanks to online registration all stages of interaction to Rosreestr – payment of the state fee, release of the electronic signature, approval of DDU – happen now in electronic form, and the client just receives the link to the registered document package on e-mail.

We constantly work on that clients could resolve a housing problem simply. It is possible to certify the agreement using the electronic signature at any moment, convenient for the client. Now real estate transactions will pass even quicker — the head on development of mortgage lending of Raiffeisenbank Anton Krasilnikov told.

The share of transactions with electronic registration of a mortgage constantly grows. At us it makes nearly 100%. Only a small part of transactions is a traditional registration of a mortgage. The future behind electronic technologies. The convenience, saving of time and means — benefits are obvious — Yulia Sudakova, the head of the mortgage lending department of Granel Group notes.

In the nearest future Raiffeisenbank is going to transfer to an online format of the transaction on programs of refinancing and crediting on the security of the real estate. The employee of the bank will initiate release of the strengthened qualified electronic signature (SQES) in the certification center (CC), to create the address and to send a set of documents for registration to Rosreestr in electronic form. And the client receives the link to the registered document package on e-mail.