The regional project has attracted more than 8,000 applicants since September

Photo: Maksim Platonov

Until recently, residents of Tatarstan could not even think of registering a mortgage in Rosreestr in a day, because so many transactions are made today. At least the pilot project of Rosreestr, which offered this service online, has already caught the attention of borrowers. As Realnoe Vremya discovered, more than 8,000 home buyers on credit have already taken advantage of this service in just a few months, and 77% of all registered transactions were registered within a day. Read the details in the material of Realnoe Vremya.

How E-Mortgage works in a day

Tatarstan has been carrying out the project “E-mortgage in one day” since last September. Within the framework of the project, the period of registration of truncations in Rosreestr is only 24 hours instead of the standard 5-7 working days prescribed in the absence of comments.

Currently, the Federal Law No. 218-FZ of July 13, 2015 “On State Registration of Real Estate” specifies the conditions for registration of the residential mortgage: five working days from the date of receipt or receipt of the request to the rights registration authority and seven working days from the date of receipt of the request by the multifunctional centre. Thanks to the pilot project, citizens of Tatarstan have the opportunity to quickly issue an electronic mortgage within one working day without visiting the offices of multifunctional centers using Rosreestr electronic services.

As part of the “Electronic Mortgage in one day” project, Rosreestr of Tatarstan registered the first electronic package of mortgage documents in 24 hours in September. The region’s first online mortgage loan for the purchase of a new two-room apartment was issued by a young Kazan resident who decided to improve his living conditions – to move from a Khrushchevka to a new building.

As Rosreestr reported to Realnoe Vremya, thanks to the “E-mortgage in 24 hours” service, any online application for mortgage registration, agreement for equity participation using credit funds, purchase by a citizen of an apartment or a home with a mortgage submitted to management via electronic banking, in the absence of comment, is fully processed prior to final documents within one business day.

“This service was introduced only a few months ago, but we are already seeing its demand among applicants: more than 77% of electronic mortgages are registered per day, in total more than 8,000 people have used this service so far “, Lilia Burganova, deputy head of the department of Rosreestr for the Republic of Tatarstan, noted in an interview with our publication.

If 26 regions participated in the project in the second quarter of 2021, today the 85 subjects of Russia are covered.

“It’s a very timely opportunity”

The Guild of Realtors of Tatarstan told Realnoe Vremya that market players are already actively using this service.

“The service is very punctual. The digitalization of the processes of interaction with Rosreestr, including the registration of real estate property rights, has accelerated recently, ”said Ruslan Sadreev, vice-president of the guild, director of the company Premier-Nedvizhimost.

The pandemic of the new coronavirus infection also played a role. In 2021, compared to 2020, the share of electronic transactions increased by 30-40%, and this indicator will certainly increase.

The expert is convinced that electronic registration is one of the important trends of recent years, in line with the Stop-Bumaga program adopted by Rosreestr and involving the transition to fully electronic service delivery.

According to him, applicants have been using the possibilities of electronic registration of transactions for several years, but the minimum period reaches three days. If the applicant walked with his feet to a multifunctional center to submit documents for registration of rights, then the deadlines were extended up to a week.

“As of September, it is already possible, and recommended, to register an electronic mortgage transaction within 24 hours. Most professional market participants, when a party is a developer or the transaction is executed by a real estate company, use this option. In this case, he is supervised by a lawyer, he explains to the citizens all the nuances and organizes the electronic transaction,” Sadreev clarified.

At the same time, electronic registration is not possible for all transactions – there are certain restrictions, especially with regard to the property of minors and incapacitated persons.

Citizens who register a transaction independently, without professional support, will also have the opportunity to use the E-Mortgage in One Day service without any problems, the publication’s interlocutor is convinced: “If the applicant himself is legally savvy, familiar with the specifics of document management, he should have no problems. But, of course, the primary channel for e-mortgage applications now is through developers and real estate agencies. As a rule, people turn to such organizations. According to him, at least 50% of real estate transactions today are recorded electronically, and in the case of mortgages, even more: “I think that in a year or two, we will reach 70 to 80%.”

“One-day registration has reduced waiting times for money”

Andrey Savelyev, the president of the Tatarstan guild, considers the service not only demanding but even late.

“Now almost all banks have their own online registration. All developers and even many real estate agencies have their own registration, it takes on average 1-2 days. If we take the market as a whole, primary market and secondary market, more than half of the transactions are electronic. If we talk about mortgage loans, almost 90% of transactions are done online. »

According to his estimates, many citizens of Tatarstan are willing to use online registration without excessive bureaucracy: “The main convenience is the absence of the need to go and collect documents. If you walk to a multifunctional center, you will walk there a second time to obtain these papers, but with online registration, we will receive these documents online.

According to Savelyev, the launch of the pilot will allow the state agency to evolve over time, which is especially relevant if we remember the complaints of residents of Tatarstan about long queues and long time examination of applications. Anastasia Gizzatova, director of the real estate agency Schastlivy Dom, pointed out another advantage of the service: it will reduce the time of waiting for money.

“A typical case of a mortgage: when you apply for a mortgage registration and a bank participates in the transaction, the transfer of the money provided by the bank takes place after the person who buys an apartment becomes the owner. As a rule usually it takes 5-9 days. It turns out that the seller has to wait for the money for at least a week. As a rule, people need money as soon as possible when selling a property real estate. Not at the end of registration, but immediately after signing the contract. Thus, one-day registration reduces the waiting time and facilitates transactions. It is suitable for all parties if the agreement, ” noted the expert.

Ruslan Khabibrakhmanov, the head of the Flat agency, admitted that they try to conduct the majority of transactions online. At the same time, there are certain pitfalls.

“In fact, online mortgage registration takes 1-3 days, with cash – 3-5 days. There are drawbacks, if there are remarks, Rosreestr returns the documents, but does not suspend the transaction. As we know, this is due to the imperfection of the internal software of Rosreestr, ”explains the interlocutor.

According to Khabibrakhmanov, short registration periods are suitable for sellers, especially for mortgage transactions or for transactions with settlement through a bank cell. “In such transactions, the receipt of the money by the seller depends on the registration. It is advantageous for buyers in cases where, under the terms of the sales contract, the transfer of an apartment is connected with the fact of registration,” he said.

Kristina Ivanova