Sberbank DomClick

2024

Launch of real estate selection using GigaChat

Real estate service "Domklik" has launched a free real estate selection service using the neural network model GigaChat. Thanks to this feature, users will be able to quickly and conveniently select real estate objects for purchase. Sberbank announced this on October 18, 2024.

To use this function, you need to type a text query in the search bar on the main page, for example: "find an apartment" - and go to the "Select real estate with a neural network" tab. Another option is to go immediately to the support chat and launch an assistant from there.

Next, you need to write your request, specifying the main selection criteria. Example: "I am looking for a new building in St. Petersburg, m. Baltic, 2 rooms, from 50 sq.m., up to 15 million." Artificial intelligence will offer the most suitable options in just a few seconds. At the same time, the number of requests is not limited, the user can reformulate the case or change the parameters.

This feature is available to all authorized users. You can find apartments in a new building, a "secondary building," a room, a townhouse, and houses, non-residential real estate, land, and a garage with GigaChat.

Integration with Rososvyod platform

In Domklik, a integrated platform Inspection created. startup VIEWAPP Sberbank announced this on August 8, 2024.

The Rososvyod digital inspection platform allows customers to inspect independently and remotely, and Domklik employees to check data for accuracy. Based on the collected information bank , decides to issue the next tranche credit for continuation constructions within 10 minutes instead of several hours. More than 50,000 people have already used the application.

Review - a platform for creating and managing any type of scans and a mobile application with protection of the created content from substitution and change. Users independently conduct a remote scan and upload the necessary photos and videos to the smartphone application. Inspections are carried out according to pre-developed scenarios. In addition to the photographs and videos themselves, Domklik sees the exact coordinates where the pictures were taken, so he can correlate them with the coordinates of the site on which the house should be built, and verify the authenticity of the construction. The system has a high degree of protection against substitution of geocoordinates. 

Шаблон:Quote 'author=said Alexey Leipi, director of the Domklik division of Sberbank.

Шаблон:Quote 'author=said Alexander Fokin, CEO of VIEWAPP.

GigaChat Integration

Thanks to integration the real estate Domklik service with a software interface for accessing neural network the model - GigaChat GigaChat, API platform users can now make a detailed selling ad in just a few seconds, which will tell about the advantages of the object, real estate draw attention to it and help find a buyer. This was Sber announced on June 19, 2024.

To create a description using artificial intelligence for free, in the section for posting ads on Domklik, you need to fill in in detail all the fields: specify the purpose, price and terms of the transaction, type, address and all real estate parameters, and add photos. After that, in the "Description" field, only select the "Generate with GigaChat" option. Based on all these data, artificial intelligence will generate a selling description. You can then generate a new description, supplement, or correct the proposed text.

Raising the limit on preferential IT mortgages

From May 21, 2024, Sberbank customers will be able to take a preferential IT mortgage on Domklik with an increased limit. In million-plus regions, the limit will be 30 million rubles, in other settlements - 15 million. At the same time, the basic limits on IT mortgages approved by the Government of the Russian Federation are 18 million and 9 million rubles, respectively. Under the program, you can buy housing in new buildings.

Шаблон:Quote 'author=said Alexey Leipi, director of the Domklik division of Sberbank

2023

Integration with the State Key service

On December 14, 2023, Sberbank announced the integration of its DomClick real estate platform for search and sale with the State Key service, thanks to which users were able to buy apartments from developers on a mortgage completely remotely - without visiting the banking branch. Such online deals have already begun to take place.

Previously, the client had to come to the Sberbank branch at least once in order to receive a certificate of enhanced qualified signature. Now this is not necessary, because with the application "State Key" the agreement on participation in shared construction is signed remotely, - said Aleksei Leypi, director of the DomClick division of Sberbank.

Sberbank announced the integration of DomClick with the State Key service

The State Key service was developed with the participation of the Ministry of Digital Development. The application allows you to obtain a certificate of enhanced qualified or unqualified electronic signature (UKEP or UNEP) and sign legally significant documents online.

The client receives a link to the instruction via SMS. Following the instructions, he installs the State Key application, issues an electronic signature certificate in it and signs all the necessary documents. To obtain a UKEP certificate, you will need a confirmed account on the public services website, a new passport (with biometrics) and a smartphone with an NFC module or biometrics submitted to the bank's office. At the same time, even if the client does not have any of the above, he will still be able to conduct a mortgage transaction online: for this, before the transaction, you will need to issue a UKEP at the Sberbank office.

By mid-December 2023, it is possible to conduct a mortgage transaction completely online through the State Key only under the Family Mortgage program. However, Sberbank promises that in 2024 it will be possible to draw up up up to 90% of mortgage transactions with primary real estate in this way.

Senior Vice President of Sberbank, who was responsible for the development of the Domklik real estate purchase service, has died

On November 27, 2023, Sberbank announced the death of Nikolai Vasev, who, as senior vice president of the credit institution, headed the B2C Customer Experience Development block. In particular, he oversaw the development of the Domklik real estate sale and rental service. Read more here.

2022

Customer-aware Recommendation Model Announcement

In 2023, a recommendation model will be launched on the main page of the Domklik service. It will be able to offer real estate options depending on the customer segment. Kirill Tsarev, First Deputy Chairman of the Management Board of Sberbank, spoke about this on November 23, 2022.

According to Kirill Tsarev, as early as November 2022, the bank introduced AI into the main processes of mortgage lending and related services - from finding real estate to conducting housing transactions. All these services are available on the Domklik real estate service. In particular, Sberbank is improving recommendation systems that help customers quickly find optimal options tailored to their needs. Domklik algorithms automatically evaluate real estate objects and give all market participants, including professional ones, information for decision-making.

Computer vision systems process an incoming stream of documents and make it possible to use them automatically to speed up customer service. They are also used to process photos of real estate objects - for example, when publishing on the display of the Domklik service.

The AI-based solution is also used in content quality management systems on the Domklik showcase, as well as in communication processes with the client. Already in 2022, Domklik transferred from the button menu to the voice main processes of communication with the client by bots. In 2023, further development is expected here.

Шаблон:Quote 'author=said Kirill Tsarev, First Deputy Chairman of the Management Board of Sberbank.

The latest IT developments for the real estate market

The company Domklik , a leading Russian service of operations with, real estate owned to financial by the conglomerate, Sber has launched a number of new and, as the first months of operation showed, sought-after developments that significantly simplify operations on, real estate market especially for customers who are inexperienced in the intricacies of this market. More. here

Launch of online daily rental booking

A house from Sberbank and a Суточно.ру service on July 6, 2022 announced a partnership and launched an online booking for daily rental housing. Search for a hotel, mini-hotel, house, apartment, room, or hostel is available on the special Domklik page and in the mobile application.

Domklik users can now book accommodation at a fixed price for the required period - without additional calls and communication with landlords. To do this, just go to the daily rental section Domklik and choose the option you like. Bookings and payments will take place on the partner's website.

"We are expanding the capabilities of the Domklik service, making it even more convenient and popular for people. Daily rent will work throughout Russia. Domklick customers can now find accommodation on short-term rentals for work trips or on holiday. The house gives priority to user security. It is no coincidence that the Суточно.ру service became our partner - it provides guaranteed settlement after booking and the absence of hidden commissions, "said Nikolai Vasev, Vice President of Sberbank, Director of the Domklik Division.

"Daily rent with the possibility of online booking is a popular service. According to Суточно.ру, the demand for such leases has grown in Russia over the past year by more than 40%. Without a doubt, this service will be popular in Moscow, especially with guests of the capital who arrive in our city every day both for tourist purposes and for personal or official matters, "said Vyacheslav Tsybulnikov, Vice President of Sberbank - Chairman of the Moscow Bank.

Addition of electronic registration service for mortgage loan refinancing programs in the secondary market

Domklik expands the capabilities of the electronic transaction registration service. Sberbank announced this on April 20, 2022.

Now Domklik clients can use the electronic registration service for refinancing programs in mortgage credit the secondary market, refinancing family mortgages and a secured loan. real estate When using the Electronic Registration service, the mortgage rate is traditionally 0.3% lower.

The Electronic Registration service allows you to send documents for state registration without visiting the MPSC and Rosreestr in electronic form. The participants of the transaction receive registered documents online in Domklik's personal account and by e-mail. Registration of a mortgage agreement (pledge) is the process of making an entry in the Unified State Register of Real Estate on the presence of a restriction in the form of a pledge for a real estate object.

According to analysts Domklik, thanks to the service of the Electronic Registration service, more than 2.7 million real estate objects have already been registered.

Шаблон:Quote 'author=said Nikolay Vasev, Vice President of Sberbank, Director of the Domklik Division.

{{quote 'author=noted Vyacheslav Tsybulnikov, Vice President of Sberbank - Chairman of Moscow Bank. | Thanks to the Domklik electronic registration service, the process of preparing and conducting real estate transactions has become as convenient as possible. Hundreds of residents of the capital region who buy or sell housing use this service every day. Expanding opportunities with electronic transaction registration will allow even more people to purchase housing on mortgages on favorable terms and complete the transaction as quickly and safely as possible,}}

Launch of an online deposit service for a purchased apartment

In January 2022, the first deposit service in Russia for a purchased apartment was launched. This opportunity was given to clients of the DomClick service.

According to the press service of Sberbank, the service applies only to transactions in the secondary real estate market and is available to both customers and partners of the DomClick service.

The first deposit payment service in Russia has been launched, it is available in DomClick

When searching for a suitable home in the DomClick mobile application or on the mobile version of the site, the client can go to the SberBank Online application through the Transaction block in the announcement card and deposit money by booking the apartment he likes. To do this, the buyer needs:

• after forwarding to the SberBank Online application, go to the SberTransactions section;
• fill in the template of the "online agreement";
• send it to the seller;
• sign the agreed document using an electronic signature;
• wait for the seller to sign its electronic signature;
• transfer the deposit.

Due to the fact that the entire process, including the filling and signing of the contract, takes place online, standard forms of contracts are used. It also eliminates the need to store paper documents - the contract will always be available in the mobile application, it can be downloaded at any time, the release says.

It also noted that the agreement concluded online and signed by an electronic signature has full legal force (according to the Federal Law "On Electronic Signature" No. 63-FZ), and the participants in the transaction are checked by the bank for compliance with the terms of the service.

The press service clarified that in the Russian market this is the first service that allows you to make a deposit for a purchased apartment. The deposit confirms the seriousness of the buyer's intentions to conclude a purchase and sale agreement, and serves as compensation if the buyer does not conclude a purchase and sale agreement for the apartment, since, as a rule, after granting the deposit, the seller rents the apartment from sale on Internet sites.^[1]

2021: Issuing a mortgage loan entirely online

Sberbank on March 10, 2021 announced that for the first time it issued a mortgage loan for the purchase of finished housing without a visit from the buyer and seller to the bank - completely in a remote format. The deal participants signed all documents with enhanced qualified electronic signatures. The deal was carried out thanks to DomClick services from Sberbank: the preparation of a sale and purchase agreement, Electronic Registration and Secure Settlements.

It is important for us that the buyer and seller of housing can safely and comfortably resolve all issues and arrange a sale and purchase transaction online even without a personal meeting. Previously, only one visit to the bank was required to buy real estate - to sign documents - the rest of the mortgage services and specialist consultations were already available online. Now you can issue a mortgage, choose housing, sign documents, register ownership and make settlements remotely, without visiting the bank, "said Kirill Tsarev, Deputy Chairman of the Management Board of Sberbank.

As of March 10, the service operates in pilot mode in Moscow. It is planned that by the end of 2021, customers of the bank will be able to purchase housing on the secondary online market throughout the country.

You can apply for a mortgage, choose the right housing and make a deal online at DomClick.ru.

2020

Start Open Data Real Estate Project

DomClick from Sberbank launched the Open Data project on real estate. Sberbank announced this on September 8, 2020.

The Open Data information project displays current statistics on the real estate and mortgage markets in Russia based on its own data. Access to the service is free of charge.

The data will be updated daily for free use on the site: opendata.domclick.ru. At the time of launch, the project opened information on real estate in the primary and secondary markets in all regions of Russia:

• Number of listings per DomClick.ru
• the cost per square meter of real estate;
• the number, timing and dynamics of approval of mortgage applications sent online and at the bank's office;
• the number and timing of mortgage transactions with Sberbank;
• share, terms and dynamics of registration of real estate transactions in standard and electronic form;
• share of buying new buildings, ready-made housing, as well as the share of transactions with realtors.

For example, real estate buyers can now find out the average cost of housing in their region, during which time, on average, a bank can approve a mortgage application, as well as compare how many days a real estate transaction will be registered in their region in electronic and ordinary form.

Visitors to the site will be able to track monthly dynamics, compare Russian regions by various indicators and download information in a convenient format for themselves.

All data are presented by regions and cities of Russia since January 2019. The list of indicators and data will be expanded.

Nikolay Vasev, Director of the DomClick division of Sberbank:

Sberbank's mortgage share is more than 50%, which allows us to analyze information about a significant part of the processes taking place in the real estate and mortgage markets in Russia. With the launch of the project, this data becomes transparent and accessible to everyone. I note that all information available in the service is absolutely free for users. We believe that in addition to our clients, it will also be useful for the professional community in the real estate market and the media.

Integration with EPGU with the launch of the Digital Profile tool

On May 20, 2020, Sberbank announced the launch of the Digital Profile tool, which allows customers, when applying for a mortgage, to reduce the time for providing documents in paper form by uploading their data from the State Public services Portal. As of May 20, 2020, the service is available to users of the web version of DomClick.

For the client, the process is similar to the popular "Log in via social network/search engine" feature. This will allow the client not to provide part of the paper documents to the bank, and the bank will receive confirmed data from the State Bodies. At the first stage, the service will become available to users of DomClick, Sberbank's online platform for choosing and purchasing housing.

The "digital profile" is a set of information contained in the information systems of government agencies about citizens and legal entities, ensures their identification and safe exchange of confirmed data. The tool is integrated with the Portal of Public Services of the Russian Federation.

Sberbank actively develops and integrates innovative technologies into its business processes that help significantly simplify the receipt of financial services and services. The integration of the Digital Profile into the projects of Sberbank, created as part of a joint project between the Minis try of Digital Development of the Russian Federation and the Central Bank of Russia, will make it possible to take another step towards the development of remote services for citizens, which is especially important during the epidemic, said Petr Dneprovsky, acting Director of the State Products and Services Division of Sberbank

Launch of an online community of tenants for each apartment building throughout Russia

DomClick from Sberbank launched an online community of tenants for each apartment building throughout Russia. Now every resident of Russia will be able to find his apartment building on the DomClick.ru and join the community of residents. Sberbank announced this on January 22, 2020.

The community allows residents of houses to communicate with neighbors, offer ideas and jointly solve problems, agree on the improvement of the house, entrance and yard, as well as discuss the work of the management company and pay for housing and communal services.

The service also allows you to subscribe to ads and timely find out about the appearance of offers for the sale of an apartment in the selected house. Buyers of real estate will be able to find out truthful information directly from residents and decide on the choice of a house and area for life.

The DomClick.ru has a large base of apartment buildings in Russia and more than 100,000 reviews of houses. You can find a community of residents of your own or interested in buying a house in the "My Home" section of the DomClick.ru

The launch of the community will help residents draw attention to problematic situations and unite to solve them, influence the work of the management company and improve life in their home, said Nikolay Vasev, director of the DomClick division

2019

Launch of the service for obtaining an extract from the FIU online

On October 7, 2019, Sberbank announced the launch of a service through which bank customers, when applying for a mortgage for DomClick.ru, can receive an online statement from the Russian Pension Fund to confirm employment.

To do this, when filling out a mortgage application on the DomClick.ru website, the client must enter his SNILS number, receive an SMS with information about the order and send a response SMS to confirm the order of the FIU statement. The data is automatically sent to Sberbank, and the client can continue to fill out the application. The procedure for requesting and submitting data from the FIU statement to the bank takes no more than 5 minutes.

Previously, to confirm employment, the client had to provide a copy of the work book certified by the employer. This process took up to 3 working days.

This service will allow customers who need to confirm employment when applying for a mortgage to collect the necessary documents and apply to the bank quickly and conveniently. Salary clients of Sberbank do not need to confirm employment when applying for a mortgage.

You can apply for a mortgage online at the DomClick.ru.

Sberbank constantly improves services and tries to make the life of its customers a little easier. Now, when applying for a mortgage, you do not need to take a copy of the work book at work, take it to the bank, spend your time. We are confident that this service will help bank customers get a mortgage faster and buy their own housing, said Nikolay Vasev, director of the DomClick division

Support of clients after receiving a mortgage

October 3, 2019 Sberbank announced the launch of an online support service mortgage credits through DomClick. Now, after receiving the mortgage of Sberbank, customers are accompanied by specialists bank online.

In the personal account of the support DomClick - lks.domclick.ru, the client can get advice from a specialized specialist in the chat or by phone, order a certificate or consent of the bank, being anywhere in the world. And within 5-10 minutes, get an answer and all the necessary documents without wasting time traveling to the bank.

Before the launch of the service, all questions after issuing a mortgage to the client had to be resolved at the bank's office. At the same time, most issues can be resolved only in a specialized office - the center of mortgage lending, which in our country are not open in every settlement.

The personal account for the maintenance of the mortgage issued by Sberbank is available to all mortgage clients of the bank free of charge from the moment of receipt and until the repayment of the loan.

The client can order a call, write his question in a chat, issue an insurance policy, request certificates and other documents he needs without traveling to the bank. For example, get a certificate of the use of maternity capital, extend the insurance policy or clarify the conditions of mortgage holidays.

{{quote 'author=said Nikolai Vasev, director of the division DomClick' Mortgage is issued for a long time - up to 30 years. All this time it is important for us to take care of customers, support them and quickly help in solving emerging issues, }}

Availability of the transition to DomClick in the Sberbank Online mobile application

On October 2, 2019, Sberbank announced that the "Take a mortgage" section appeared in the Sberbank Online mobile application, which allows you to switch to applying for a Sberbank mortgage and choose a suitable apartment using the DomClick service. Read more here.

Pay with Apple Pay

On April 29, 2019, Sberbank announced that the Domklik portal (domclick.ru), an online service for resolving real estate acquisition and mortgage lending, launched the ability to pay using Apple Pay.

Now, to promote ads on DomClick, instead of entering card details and an SMS code, customers just need to have a smartphone or any other device with Apple Pay support at hand.

The appearance of advertisements for the lease and sale of commercial and non-residential real estate

On April 19, 2019, Sberbank announced the appearance at DomClick of advertisements for the lease and sale of offices, hotels, retail premises, warehouses, garages, parking spaces and other objects of commercial and non-residential real estate. Including commercial real estate pledged by Sberbank.

author '= Nikolay Vasev, Director of the DomClick division of the Retail Business unit of Sberbank The expansion of the real estate catalog available at DomClick will allow our clients to comprehensively use the service's capabilities both for buying, selling and renting housing, and for transactions with commercial real estate. It is important for us that DomClick attracts as many private clients and professional market participants as possible, helping them save time and labor through the use of a modern digital platform.

Customer Support After Mortgage Processing

On February 25, 2019, Sberbank announced that it was continuing to develop the functionality of the DomClick portal, which helps customers resolve any issues related to the purchase of housing - from the choice of a real estate object to its registration. Now remote customer support has begun to work in the real estate marketplace after registering a mortgage. Previously, borrowers could receive consultations and certificates only in bank branches.

In DomClick's personal account, clients have the opportunity to get advice from a specialized specialist in a chat or by phone, issue or renew an insurance policy, order a certificate (for example, about the use of maternity capital), being anywhere in the world. Within 10 minutes, customers receive the necessary documents by email without wasting time visiting the bank.

The personal account allows you to track at what stage the state registration of the transaction and the transfer of money to the seller are. Here you can also download registered documents confirming ownership.

In February 2019, about 1.3 million mortgage borrowers of Sberbank who signed a loan agreement after January 1, 2017 can use their personal account.

author '= Nikolay Vasev, director of the DomClick division ' Remote support and paperless service save our customers time and are provided free of charge. Constantly improving ʺDomKlikʺ, we create a full-cycle real estate marketplace that translates all processes into digital form, making them faster, more convenient and more reliable for our partners and customers.

Links

Site of the service "DomClick"

Notes