Sovcombank issued an e-mortgage signed by UNEP through SmartDeal

2023: Issue of electronic mortgage signed with the help of "State Key "

In June 2023, Sovcombank issued an electronic mortgage signed by a client with an enhanced unqualified electronic signature (UNEP) using SmartDeal and the State Department. Earlier, at the end of May, Sovcombank announced the beginning of the release of electronic mortgages on the primary market and the possibility of remote registration of electronic mortgages with the help of Gosklyuch. This became possible thanks to the methodological support of the development institute ДОМ.РФ.

Now it has become much easier to issue electronic mortgages. Previously, if it was necessary to issue a mortgage on a newly created real estate object, banks had to issue paper mortgages that could be lost. In addition, their accounting and storage required additional financial and human resources, and the repayment of mortgages and mortgages took a long time.

The electronic mortgage solved some of these problems, but in order to sign it, it was necessary to issue a UKEP (enhanced qualified electronic signature). For its release, personal identification of the buyer by a courier or bank employee was required. UNEP removes all difficulties from this process: the signature is issued remotely, which significantly saves the time and resources of all parties to the transaction.

The release of UNEP in the State Key service is available to users online. To do this, just download the "State Key" application, register using a confirmed account on the "" portal. Public services The release of UKEP in the "State Key" application is also possible, but for this purpose, a valid passport of RUSSIAN FEDERATION the last sample, phone and device NFC with or confirmed in is used for identification in accordance with the law. biometrics unified biometric system (EBS)

The possibility of using UNEP in the banking sector is a big step towards simplifying and increasing the availability of banking services for customers. Sovcombank began to actively issue electronic mortgages in 2021, we see significant advantages of electronic mortgages over paper ones, - said Olga Kovalenko, head of the mortgage lending department of Sovcombank.

We are trying to support all initiatives and innovations on electronic mortgages, - commented Ruslan Akhmerov, Product Director of SmartDeal . - The ability to use UNEP is a serious step towards simplifying the procedure for issuing an electronic mortgage. In December 2022, we conducted pilot deals, studied the process and implemented the signing of UNEP documents. Now we are ready to present such an opportunity to work with e-mortgages on the market.

Electronic registration of real estate transactions justifiably became widespread. If earlier the registration of a mortgage required a visit to the bank's office, a personal appeal of the transaction participants to the MPSC for its registration, which, in turn, could lead to a delay in the timing of the transaction up to several weeks, now the process has become noticeably simplified. At the same time, a person does not need to go anywhere, even if the property is located in another region. The share of electronic mortgages in 2022 increased to 80% among all transactions. The development of the electronic mortgage is also associated with the digitalization of registration, of which more than 580 thousand have already been issued as of June 2023. An important step was the expansion of the possibility of its remote design using the UNEP. In my opinion, this will significantly simplify the process of obtaining a mortgage and in the future will create the necessary prerequisites for reducing mortgage rates, "said Svetlana Nekrasova, Managing Director of the ДОМ.РФ.

2022: Conducting a "triangular deal" in conjunction with "A101" through SmartDeal

The group of companies A101"" Sovcombank and conducted the first electronic "triangular" transaction through cloud service the registration of transactions with. real estate SmartDeal Preparation of the transaction for registration took only 5 minutes. This was reported by the A101 Group of Companies on December 14, 2022. More. here

2021

Transition to mass release of electronic mortgages through SmartDeal

On October 13, 2021, the company Practice of Success"" announced that Sovcombank"" switched to mass production. With electronic mortgages the help SmartDeal bank at the beginning of October 2021, he issued the first thousand mortgages. Sovcombank plans to increase the share of electronic mortgages to 90% in all mortgage transactions.

Illustration: www.otkazanet.ru

In July 2021, Sovcombank released the first electronic mortgage through SmartDeal. According to the company, as of October 13, 2021, more than two thousand bank employees in all regions of Russia independently prepare and register electronic mortgages with Rosreestr. By the end of 2021, it is planned to issue at least a thousand such documents per month.

The transition to the electronic form of the mortgage made it possible to reduce the bank's costs associated with drawing up a document, registration actions, delivery and storage, and also reduced the burden on employees. The changes were also felt by the bank's customers - the service allows you to speed up the process of registering a mortgage.

"We are pleased to offer this service to our customers who no longer need to personally participate in the transfer of documents in Rosreestr and MPSC. Actions with a mortgage, like other stages of online mortgage registration, are performed remotely - in just a few clicks on a mobile phone, "- commented on the managing director of Sovcombank Artem Yazykov.

Sovcombank shows the market an example of an approach to digitalization. Outdated processes should be replaced by more technological and faster ones, "- told Director of Development SmartDeal Mikhail Svetlyshev.

Mortgage - a security certifying the bank's right to receive execution under a monetary obligation secured by a mortgage, as well as the right to pledge property. It is registered by Rosreestr and valid for the entire term of the loan. Registration, storage, change of the security are associated with high costs on the part of banks. The electronic form of the document allows you to reduce them. Legally, the electronic mortgage was introduced in 2018, but they began to be massively applied only in 2021.

Start electronic registration of transactions through SmartDeal

Sovcombank began to conduct electronic registration of transactions through SmartDeal - a digital platform for interaction with Rosreestr services. The bank reported this on April 21, 2021. Sovcombank became the sixth systemically significant bank in Russia to choose SmartDeal to register transactions with Rosreestr in digital format.

The platform provides the full range of transactions for online registration and release, electronic signature which meets state security standards. data For example, registration of a transaction under a sale and purchase agreement takes an average of four days, and it takes about ten minutes to make an electronic signature.

During the first month of work in the system, Sovcombank specialists issued more than 5,000 appeals to the state registration body.

"We have chosen a SmartDeal partner to further develop the electronic registration service for mortgage transactions. In 2020, the share of transactions with electronic registration in the secondary market and in loans secured by real estate reached 60%, we are confident that it will continue to increase due to joint work with SmartDeal. Sovcombank's plans in partnership with SmartDeal also include the active development of electronic mortgages. We strive for every mortgage transaction to be registered online, "said Albert Boris, Deputy Chairman of the Board of Sovcombank.

"We are pleased that Sovcombank has chosen our product for digital interaction with Rosreestr. Using SmartDeal, the bank receives a tool for registering all types of real estate transactions. SmartDeal can also massively register electronic mortgages, "said Alexey Makarov, founder and CEO of SmartDeal.