Ak Bars Bank has increased the issue of electronic mortgages on the SmartDeal platform several times

2022: Moving to SmartDeal

Ak Bars Bank switched to mass issuance of electronic mortgages for mortgage transactions on SmartDeal, a platform for registering real estate transactions. In the second quarter, the bank issued several times more mortgages on the platform than in the first - their number exceeded 500 pieces. The company Practice Success announced this on August 15, 2022.

Issuing an electronic mortgage instead of a paper one helps significantly reduce the bank's costs associated with drawing up a document, registering it, delivering it and storing it. For all parties to a real estate transaction, the release of such a document means a reduction in bureaucratic procedures and the ability to issue a mortgage remotely.

The use of the platform for electronic registration of mortgage transactions and the issuance of electronic mortgages made it possible to make the quality of customer service much higher, which significantly affects the bank's reputation. The customer works in the same window with one employee. There is no need to attend additional services, for example, the MPSC. The entire document flow is carried out electronically. There are also advantages in working with partners, since electronic registration makes their work much easier, "said Vyacheslav Ivanov, director of retail business development and sales at Ak Bars Bank.

SmartDeal issued one of the first electronic mortgages in Russia in 2018, and in 2021 became a pioneer of their release for the commercial bank sector. In 2022, we offered the market a fundamentally different tool - a service for making changes to mortgages, it is necessary if the loan conditions, the composition of borrowers or the characteristics of the object change. We are glad to partner with Ak Bars Bank, we appreciate the openness of new technologies and our readiness to set a quality bar for the entire banking sector, "said Mikhail Svetlyshev, Director of Development at SmartDeal.