Digital mortgage

Main article: CRM (Customer Relationship Management System)

"Digital mortgage" — the platform for management of mortgage sales (ipoteka.digital).

Digital Mortgage platform

History

2018

Integration into the SmartDeal platform

On September 4, 2018 Digital Mortgage companies and Practician Uspekh were announced project completion on integration of digital services in the field of the real estate: platforms for builders on management of the mortgage products "Digital Mortgage" and platforms for interaction with Rosreestr of SmartDeal respectively. Reduction of submission due dates and consideration of mortgage requests in banks and registration of the transaction in Rosreestr became a project deliverable four times. Integration will allow banks and builders to accelerate the conclusion of transactions on a mortgage for 30% and to increase their quantity, and to clients — to save time, to transfer all document flow to online quicker to receive flat keys.

As explained in the companies, integration of software platforms of SmartDeal and "A digital mortgage" allows to integrate stages of application for a mortgage and its considerations by bank and registration of the transaction in Rosreestr. The uniform questionnaire from "A digital mortgage" offers to the client the most advantageous conditions of crediting on the basis of its parameters, at the same time it can be filled far off in five minutes. For September the platform is supported by 28 banks.

After approval of the request by bank the builder using the SmartDeal platform sends the registration application of DDU or DKP and necessary documents to Rosreestr. Preparation of this document package also takes the builder no more than five minutes thanks to integration of SmartDeal with CRM systems and relevant reference books of residential complexes and the system of prefilling and enrichment of data. The instant payment mechanism of the state fee which is built in SmartDeal allows to bring in short terms a packet of electronic documents to the registrar in Rosreestr. After completion of registration of DDU or DKP in Rosreestr the SmartDeal platform automatically sends the received documents on registration to the system of bank or to the predeterminated email address on behalf of the builder. On each process step the staff of builder and participants of the transaction receive email - and the SMS notification on service course of execution. The notification on completion of registration in Rosreestr becomes the basis for disclosure of the letter of credit and money transfer to the builder, told companies "Digital Mortgage" and Practician Uspekh.

Partnership of Digital Mortgage and SmartDeal allows builders to expand the share in the market, and to clients — to receive the best conditions of a mortgage and to save time — Roman Gurov, the founder of Digital Mortgage company noted. — If earlier credit questionnaires needed to be filled out manually, and part of them was eliminated at a scoring stage, then now automation of process gives to the companies the chance to pick up an optimal variant with the same speed how to call the taxi.

SmartDeal services and "A digital mortgage" are integrated in order that both builders, and users could estimate advantages of the reliable and safe digital real estate market — Alexey Makarov, the CEO of developer company of SmartDeal said. — We are sure that uberization of a mortgage and automation of transactions in the field of the real estate creates huge opportunities in the field of development of digital economy in Russia.

As noted, the SmartDeal and "Digital Mortgage" platforms are already used for the conclusion of mortgage transactions online and their registration in Rosreestr. For example, their opportunities already estimated Raiffeisenbank and builder A101.

Features of the platform

Among features there are Digital Mortgage platforms for September, 2018:

• All offers of banks in one interface: relevant rates
• The simplified calculator for sales department: the sales manager himself can calculate preliminary monthly payment
• Filters: eCredit automatically by 10 parameters filters all bank programs, selecting only relevant for the client
• Apseyl: the help in sale of more expensive apartment through a difference in monthly payment

The platform provides an online information access, performance, necessary for optimization, and increase in efficiency of sales. The built-in module CRM will help to control all clients and to accelerate process of the transaction.

"The digital mortgage" will allow:

• Learn how quickly banks approve requests, come to transactions and also what mortgage programs are most popular
• Receive the rating of employees by calculations/requests/approvals/transactions
• Trace key performance indicators of mortgage sales

Owner of the rights to software "Digital mortgage"

Since 3/1/2018 of software "The digital mortgage" belongs to Tsifrovye prodazhi LLC.