"A101" and SmartDeal held the first online purchase of an apartment in Moscow using "State Lyucha"

2023: Registration of the transaction with the help of the "State Department "

GK A101"" on February 14, 2023 announced that it had registered through the service SmartDeal the first mortgage transaction using enhanced qualified (electronic signature UKEP) from "." State key For the market, this real estate Moscow was the first case of using applications real estate objects in the practice of remote sale.

The State Key application allows you to make real estate transactions without visiting the office and without personal meetings of sellers and buyers of real estate. All that is needed for this is a biometric passport, a smartphone with NFC and a confirmed account in the Public services.

To make a transaction and issue a UKEP, the client did not need to print and send any documents to the certification center, the entire procedure for issuing an electronic signature using the State Key application took 10 minutes.

SmartDeal, an electronic registration service for real estate transactions, connected the State Key in early January 2023. Now you can formalize the ownership of real estate, as well as mortgage transactions, using this tool.

For us, as an IT company, it is especially important to be in trend. The digital world is changing so rapidly, and together with it we are trying to innovate as quickly as possible for our clients and partners, "commented Mikhail Svetlyshev, SmartDeal Development Director. - Therefore, we try to keep in touch with banks and developers in order to be aware of their needs and develop the product in the direction that meets their needs. And the State Key is no exception. As soon as such a trend and requests for this function appeared, we immediately took this task into work.

"State Key" is a technologically thoughtful tool and a good alternative to the already accepted practice of issuing an electronic digital signature. Its main quality is complete autonomy: if the client has a Russian electronic passport, you can issue a UKEP and make transactions from literally anywhere in the world. Therefore, we are pleased to introduce this tool into our practice and are ready to participate in various processes to improve the efficiency of this service, "said Artem Grigoriev, Deputy Commercial Director for Real Estate Sale and Transfer Processes at A101 Group.

2022: Conducting a "triangular transaction" together with Sovcombank through SmartDeal

  The group of companies A101"" Sovcombank and conducted the first electronic "triangular" transaction through cloud service the registration of transactions with. real estate SmartDeal Preparation of the transaction for registration took only 5 minutes. This was reported by the A101 Group of Companies on December 14, 2022.  

The main feature of such a deal is that the process participants do not need to send documents in closed archives through mail, and passwords to them through instant messengers. In a safe, compliant state standards, SmartDeal space, the necessary documents are visible to all participants in the transaction.  

The buyer came Moscow from Ulyanovsk and has already time lived in Moscow. She recently sold an apartment in her hometown and invested the proceeds in the purchase of a one-room apartment in the Scandinavia South residential complex, located in. New Moscow First, the girl turned to A101, where she was helped to choose the right option, then to Sovcombank - for. To mortgage credit open an account and issue an enhanced one, she electronic signature visited the office only once, all bank other procedures were carried out remotely using an electronic signature.  

The main task is to unite in a safe digital space all participants in a real estate transaction: banks, developers, brokers and buyers. With the help of this SmartDeal - Triangular Transaction functionality, partners will spend a minimum of time completing the transaction. All this due to the fact that communications take place in a single system that meets all GOSTs on the safety and security of personal data and all participants see the documents and status of the transaction, explained by SmartDeal Development Director Mikhail Svetlyshev.

On the part of the A101 Group of Companies, the preparation of the transaction for registration took only 5 minutes. At the same time, the SmartDeal service provides a high level of protection for any operations. The company can monitor all the procedures and actions of partners in real time, so at any second we can tell him at the request of the client what is happening with his transaction literally at this second. As a result, the buyer receives an operational, transparent and safe service, said Artem Grigoriev, deputy commercial director for the sale and transfer of real estate objects of the A101 Group of Companies.

Thanks to the partnership with SmartDeal, it became possible to conduct mortgage transactions with partners in one digital space, without additional forwarding of documents. This decision should contribute to the further development of remote procedures for buying a home on a mortgage, make them even more comfortable and transparent for all parties. Sovcombank seeks to organize the process of issuing a mortgage loan as convenient as possible for the borrower and always supports initiatives to develop digitalization of mortgages,  commented on the managing director of Sovcombank Artem Yazykov.

2021: Pursuing a digital military mortgage deal

On August 27, 2021, the company Practice Success announced that PSB launched a digital military mortgage. The first online deal in the primary housing market took place in test mode as part of an agreement concluded between PSB and FGKU Rosvoenipoteka. Using the digital service, a mortgage deal was carried out to buy an apartment in the Scandinavia residential complex in New Moscow from the developer of the A101 Group of Companies. Read more here.

2019

On February 5, 2019, A101 GK "" announced the transfer of transactions with customers to a digital platform for registering objects. real estate SmartDeal It allows you to carry out legally significant things electronic document flow using electronic services. Federal Registration Service

According to the company, with the help of the platform, it is possible to conduct any transactions without restrictions on working with contracts providing for shared ownership or transactions in which minors are the interested party. In addition, the platform allows you to formalize ownership, record a change in the terms of the contract, etc.

A package of documents for Rosreestr is prepared within 15 minutes, the state duty is paid immediately, and after the completion of registration, the finished package of documents will be automatically sent to the bank's system at a predetermined email address on behalf of the developer. The platform allows you to track the progress of registration online and quickly respond to events (for example, suspension of registration), the interface is understandable to the employee.

The convenience of the service does not increase sales on its own, but allows the developer to reduce operating costs and lost profits from the deadlines for waiting for payment of DDUs (equity agreements). Our experts estimate the economic effect of the transition to electronic registration of equity agreements at the level of 38 million rubles per year. As of February 2019, we use two electronic registration services in our work - SmartDeal and DomClick from Sberbank. Approximately 54% of transactions are registered electronically, the shares of both platforms are approximately equal. Anna Boim, Commercial Director of A101 Group of Companies

As of February 2019, a DDU is registered through this platform for the purchase of apartments, parking spaces and pantries, in installments or using a mortgage loan from partner banks. From signing the contract to registration, it takes an average of 5-6 days, which is twice as fast as when documents are signed on paper and registered at the MPSC offices. In this case, the client needs to come only to the sales office when concluding an agreement.

In addition, as part of the introduction of e-mortgage technologies, A101 Group of Companies at the end of summer 2018 became a participant in the full cycle of registration, registration, storage and accounting in the depository of electronic mortgage mortgages conducted by ДОМ.РФ and Rosreestr. The Group entered into the first transaction on the Moscow market to sell an apartment using an electronic mortgage. It was issued by Bank ДОМ.РФ, in which the borrower received a mortgage loan.

Integrated services work primarily in the interests of the client, to whom they significantly simplify the process. At the same time, in these conditions of the construction industry, it is extremely important for developers to look for internal reserves to develop attractive purchase conditions. The introduction of electronic services reduces the cost of document logistics and the time spent by managers on routine paperwork. At the same time, sales managers are more busy selling itself, which increases the efficiency of the business as a whole. Anna Boim, Commercial Director of A101 Group of Companies