Uralsib has simplified the process of issuing electronic mortgages using SmartDeal

2023: Simplification of the process of registration of electronic mortgages

Uralsib Bank has simplified the process of issuing electronic mortgages. Now the borrower, when issuing an electronic mortgage on the SmartDeal platform, can sign it with an enhanced unqualified electronic signature (UNEP) through the State Key service. The company Practice Success announced this on August 31, 2023.

This opportunity is provided by the State Lyucha certificate, which can be obtained free of charge and remotely through a mobile application by confirming your identity through an account on the Public services portal.

The electronic mortgage is signed without visiting the bank's office, the bank sends all documents to the client using remote banking systems for familiarization and signing through the State Key service. Documents signed in the service are protected from changes.

The possibility for the client to sign electronic documents free of charge and remotely through remote banking systems will allow the bank to increase the number of electronic mortgages and simplify the process of making changes to mortgages. Now mortgages can be issued even if mortgage the transaction was registered on paper through. MPSC It will also become easier to issue a mortgage during maintenance, credit for example, after the completion of constructions the subject of the pledge, - said Ekaterina Zhzhenova, head of the Mortgage Lending Development Directorate of Uralsib Bank.

For market participants, the use of UNEP is a big step towards simplifying and speeding up the procedure for issuing an electronic mortgage. After Rosreestr simplified the registration of electronic mortgages, in December 2022 we conducted pilot transactions using the UNEP, studied the process in detail and implemented a full-scale signing of documents, - commented Mikhail Svetlyshev, Development Director of SmartDeal. - As of August 2023, banks operating in the mortgage market already use UNEP when issuing electronic mortgages, and we receive good reviews based on the results of using our product in real transactions.

The electronic mortgage market is developing with methodological and technological support ДОМ.РФ. Since the beginning of 2023, more than 270 thousand such mortgages have already been issued in the amount of more than 870 billion rubles. - the issuance has already exceeded the indicators for the entire 2022. One of the trends of this year can be called the release of electronic mortgages with the pledge of housing under construction - since the beginning of the year they have been provided in the amount of more than 20 billion rubles. And the opportunity to sign mortgages through the remote banking service system creates additional incentives for the growth of e-mortgages both in the primary and secondary housing markets, - commented ДОМ.РФ Managing Director Svetlana Nekrasova.