Electronic transaction registration at Sberbank is a new service, which was launched in 2017. The objective of this service is to simplify the registration of real estate. Clients will not have to go to the MFC, as well as visit the Rosreestr. The service allows you to quickly and conveniently perform all actions in remote access.
Information
Electronic transaction registration is a complex of services that are performed remotely. The fact of the transaction is recorded in electronic form, which eliminates the need for personal visits to various organizations. Citizens no longer need to waste their nerves and personal time. In the classic version of registering a transaction, the client needs to travel to another city and spend a large amount of time. This is due to the fact that customers need to get a coupon, stand in line and provide relevant documents to a specialist. Then you need to wait a certain time until the procedure is completed.
If additional papers are needed during registration or if the client has forgotten some documents, the registration procedure starts anew. Electronic registration allows users to add documents as needed. Judging by the reviews, the service has both many advantages and a considerable number of minuses. This is a completely normal situation for a service that has recently appeared in the financial market. Over time, this service will be brought to an optimal state, so the number of dissatisfied customers will decrease.
Why is this needed?
The service is ideal for customers who purchase real estate on a mortgage. Electronic registration of a transaction in Sberbank is also relevant for those who live in one locality and wish to purchase real estate in another. The classic design option forces the client to personally go to another city, choose a property and submit the relevant documents. Then you should wait for approval and after receiving a positive decision, you will need to register the transaction.
It usually takes about 40 days to purchase a property in a mortgage. Electronic registration greatly simplifies this procedure, since most of the registration takes place directly on the spot. The only thing that the client needs to do personally is to sign the documents. However, this action may be taken by a representative. The banking organization promises that the real estate transaction will be completed in 5 days. Then the client will be invited to review the result and complete the mortgage. However, customer reviews say that electronic registration of a transaction through Sberbank takes a long time. Some comments of borrowers note the poor quality of feedback from managers.
Primary requirements
Electronic registration of the transaction is carried out according to certain rules. The client will be required to comply with certain transaction conditions:
- For 1 transaction should be no more than 2 sellers and buyers.
- Military mortgages are not subject to remote registration, since such an operation requires the personal presence of a soldier.
- It is not possible to complete electronic registration of a transaction for minor participants.
- A representative can only sign documents with a banking organization, but cannot complete the execution procedure.
- Legal entities cannot access electronic registration of a transaction.
- All transactions with shares of real estate are made out upon a personal visit to Rosreestr.
Electronic registration of real estate purchase and sale transactions requires the execution of an appropriate contract. It is also necessary to draw up a statement from the new owner and the consent of the spouse to conclude this transaction. In addition, you need to provide a passport, payroll documents, registration. In certain cases, the specialist may require additional documentation.
The sequence of actions of the borrower
The process of processing electronic registration of a transaction is organized as follows:
- The client selects the property and generates the necessary package of documents.
- The borrower informs the banking organization of its intention to complete the transaction in electronic format.
- The client signs an agreement with the bank on the provision of this type of service and makes payment.
- After providing the documents, the manager will choose a convenient date for the transaction.
- Signing a contract.
- Using special software, the manager sends documents to Rosreestr. This communication channel ensures complete confidentiality of information and blocks the actions of attackers.
- An employee of Rosreestr performs the necessary operations immediately after receiving the documents.
- An agreement certified by an electronic signature is returned to the banking organization.
When making electronic registration of a transaction, the client is not issued documents that confirm ownership. This information will be recorded in electronic form. When performing subsequent operations, an additional appeal to the Rosreestr will be required. For many customers, it’s unusual to go through the above steps and not get the relevant documents in your hands. Borrowers can apply to Rosreestr in order to obtain title documents.
How much is?
The cost of registering an electronic transaction at Sberbank is more than affordable for all customers. The cost varies from 5 to 10 thousand rubles. The final price directly depends on the location of the property, its type and region of residence. The transaction procedure provides for additional payment of state duty in the amount of up to 2 thousand rubles.
Benefits of Electronic Registration
Sberbank is a leader in the field of mortgage lending, as it has a high share of state participation. Among the main advantages of electronic registration of the transaction are the following:
- Interest rate reduction by 0.1%.
- Providing advice on the operation of the service.
- The service is available to all people who intend to purchase real estate.
- A package of documents comes to the client’s email.
- Saving personal time.
- Relatively low maintenance and registration costs.
- Prompt entry of information into the registry.
- Minimum intermediaries in the transaction.
The electronic transaction registration service at Sberbank is aimed at reducing the registration time. Rosreestr initiated the development of this service. The client does not need to delve into all the bureaucratic subtleties, as the bank will take care of all matters. Using this service, the client will only need to receive title documents to his email address.
Cons of the program
Like any other program, this service needs certain modifications, since it has its drawbacks. Among the main disadvantages of the program are the following:
- High price.
- The absence of supporting documents on the transaction.
- Unable to complete shares.
- The service is available only to Russian citizens.
- The service does not work with real estate that was acquired before 1998.
- Low competence of some employees of the central nervous system, since the service was released recently.
- Unknown service among the masses of customers.
Often, managers request documents that were not initially on the list for approval of an object for electronic transaction registration at Sberbank. Some customers claim that this service only facilitates the work of bank employees. Electronic registration of a transaction through Sberbank receives diverse reviews from borrowers, since not everyone is happy with the work of this service.
Possible reasons for the delay in processing the transaction
Sberbank promises to conduct this procedure for customers in just a couple of days. However, in practice, the timing can be significantly stretched. Inexperienced bank employees often incorrectly issue electronic digital signatures. If a transaction is suspended in Rosreestr, the client does not immediately recognize this information. When submitting documents through the MFC, the client is provided with a receipt that indicates the date of registration. The receipt also contains information on the status of registration of the transaction, which can be tracked on the official website of Rosreestr. In the event that the transaction is suspended, the client can verify the information by phone.
Reviews
Electronic registration of the transaction has interested many customers. And yet, a paid service receives quite diverse reviews. Many customers note that the service allows you to save personal time by visiting a banking organization. Among the positive aspects, borrowers highlight the provision of a personal manager. Positive customer reviews indicate that transactions can be made even if the seller is in one city and the buyer is in another.
Other reviews say that in the process of electronic registration of a transaction there is a significant violation of the stated terms. Customers warn that when planning the timing of the completion of the transaction, this circumstance must be taken into account.
In the reviews, users note that electronic registration is an absolutely safe transaction. Many talk about the fact that the service is quite convenient, and the delays are associated with errors by customers who independently make up a contract of sale.
Service Features
The service provides an opportunity for customers to do without intermediaries during the transaction process and reduce the interest rate on the mortgage. Borrowers must pay for the electronic registration of the transaction at Sberbank. Customer reviews report that the service is under development, so the platform does not always work correctly. The transaction means the delegation of authority Rosreestra banking organization. However, this service is still under development.
Conclusion
Electronic registration of a transaction is an absolutely legal procedure that allows you to get genuine documents. This service is convenient for customers who purchase housing in other regions of the country. If a resident of Siberia buys an apartment in the south, then registering such a transaction in Rosreestr is physically difficult and costly for finances. Also, carrying out such a procedure takes a large amount of time.
Of course, the service of electronic registration of the transaction caused a lot of suspicion among citizens, since compatriots more trust documents on paper. To confirm ownership of the property, the borrower can order a paper extract from Rosreestr. Electronic registration of real estate purchase and sale transactions in Sberbank greatly simplifies the transfer of property, which is confirmed by numerous customer reviews. The service is convenient for lenders. Electronic registration of the transaction provides faster processing and increases customer loyalty.