Passed
Since 2020
Russia
Ural Federal District of the Russian Federation
622034, Sverdlovsk region, about. Nizhny Tagil, Nizhny Tagil, Lenin Avenue, bld. 64, †. 1
History
2025: Launch of Electronic Mortgage Registration Service
A service for issuing an electronic mortgage has appeared on the Russian crowdlanding market - a document that confirms that the loan is secured by a pledge of real estate, and records the rights of the investor. This opportunity was launched by the VDelo investment platform. This mechanism is open for use by other market participants. The company announced this on July 23, 2025.
Previously, electronic mortgages were used only by banks - for one lender. In crowdlanding, they were not used for a long time due to the lack of a collective registration mechanism and legal practice with many investors.
The electronic mortgage protects the investor: in case of default, the document itself is enough - without additional securities. This speeds up recovery through the courts and simplifies the sale of the loan. For a borrower, this is a quick way to issue a loan without a lender going to the bank or to a notary: the document is created on the platform in 30 seconds.
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