To simplify obtaining official confirmation of completed real estate purchase and sale transactions, Sberbank PJSC offers an additional service of electronic registration. The automated service allows you to remotely upload the documents necessary to register the transfer of ownership, and then send them to Rosreestr through employees of a financial institution without an MFC and notary offices.
Requirements
CNS LLC puts forward the following requirements for the electronic registration procedure:
Documents required for the SDS
The program of electronic registration of property rights to real estate has its limitations: for example, initially the service was provided only for contracts of sale between individuals. At the moment, the service can be used when purchasing objects under construction from developers or investors, but only from the bank’s partners.
Note! The service is available when purchasing real estate, both under mortgage lending programs and with your own funds.
Where can I find a complete list of Sberbank SIR?
A request for a service is made through a specially developed DomClick service, which discloses all the basic information about the rules for registration, necessary documentation, and the cost of services provided. In addition, the site has a real estate selection service that allows you to search by territory or name of the developer.
Keep in mind! The transaction itself is carried out in the mortgage center of Sberbank in the presence of specialists from the financial institution, the registration of rights takes place in Rosreestr.
How to check the developer?
Acquisition of an apartment in objects under construction is a high-risk investment of financial assets, therefore, before buying, you must carefully make sure that the seller is reliable. When registering transactions electronically, it is necessary to first check whether the developer or investor is a partner of the bank, since this partnership indicates its reliability and allows minimizing risks. Especially for its clients, Sberbank has compiled a list of developers by region, indicating accredited new buildings that are covered by the bank’s service of electronic registration of transactions. You can also use a special selection of objects on the site.
How does registration work?
Electronic registration of property rights is carried out by Rosreestr on the basis of a package of documents submitted by an employee of a financial institution or a developer through an automated system.
After the registration of new property rights, a confirmation is sent to the customer’s e-mail — an extract from the USRN and a concluded sales contract with a mark on the registration (when acquiring real estate under construction, a signed DDU will be received with a mark on the registration of the right of claim).
Note! The correctness of the information can be clarified at any time by ordering a new USRN statement.
Order of procedure
Note! The service allows you to attract the second party to the transaction by indicating the contact phone number.
What is included in the SER?
Independent remote registration of ownership of a real estate object includes the automatic performance of a number of mandatory procedures:
Terms of the SEP
According to the internal regulations of the financial organization, the service is provided no more than 14 working days from the date of receipt of payment from the customer. The transfer of ownership itself is registered within 5-7 working days.
Note! In case of remote transfer of an incomplete package of documents, the client will be immediately informed about this, since the procedure will be temporarily suspended, the terms of the service will be increased.
Possible problems and nuances
The service of electronic registration of real estate purchase and sale transactions has a number of disadvantages:
In addition, after confirming the completed transaction in electronic format, new property owners face a number of problems:
In general, electronic registration is a quick and affordable way to obtain confirmation of the rights to the acquired real estate. This service is most relevant at the present time when buying objects in other regions, as well as in the absence of free time to go through various instances (the transaction is executed during one visit to the territorial division of the bank, additional certification of the transaction by a notary is not required).
More about electronic registration of transactions in the bank
The service of electronic registration of a change of ownership in the sale and purchase of real estate objects was developed by CNS LLC (part of the Sberbank Group of Companies) together with Rosreestr. Service includes:
The electronic registration service is available when purchasing or selling ready-made objects, land plots without buildings, as well as when making transactions under the DDU from developers — partners of a financial institution.
Confirmation of the transaction — an extract from the USRN containing basic information about the object and owners, confirmed by the electronic qualified signature of the registrar.
Note! All transactions undergoing electronic registration are carried out personally by the owners without the involvement of representatives.
