Tinkoff issued 10 thousand electronic mortgages using SmartDeal

2021: Issuance of 10,000 electronic mortgages using SmartDeal

The B2B platform for electronic interaction Federal Registration Service SmartDeal with provided the mass design of electronic mortgages for. Tinkoff This was announced on June 16, 2021 in the company "." Practician Uspekh Over the past year, from March 2020 bank , issued online more than 10 thousand mortgages. With the help of electronic mortgages, it becomes easier for the bank to manage mortgage the portfolio.

The issuance of electronic mortgages instead of paper became possible from July 1, 2018. However, due to the need to finalize IT systems in the first year of working with electronic mortgages, banks have issued no more than ten such transactions. Using the SmartDeal platform, Tinkoff became a pioneer in this direction and as of June 2021, he leads among private Russian banks in the volume of digital mortgages, the company said.

The transition to mass design of digital mortgages provides Tinkoff with lower costs, faster and more transparency in mortgage portfolio management processes, credits for example, sales or securitization. For Tinkoff customers, electronic mortgages reduce the number of bureaucratic procedures for issuing, making the process faster and more remote. Electronic mortgages were issued in 80 regions. Russia

"In 2018, one of the first electronic mortgages in Russia was issued through the SmartDeal platform, but there was no mass transition to online then," said Alexei Makarov, founder and CEO of SmartDeal. - In 2020, together with our partner - Tinkoff Bank - we managed to turn the tide and launch a massive turnover of electronic mortgages. This tool is available to any bank. It allows you to transfer the lending process completely online and offer customers new digital services. "