Electronic registration of real estate transactions has been available to citizens of the Russian Federation for more than 1.5 years. The service is in much greater demand among legal entities, but in 2021 Rosreestr received more than 10,000 similar applications from individuals. Electronic registration of a real estate transaction allows you to register your right to property via the Internet, avoiding a mandatory visit to the MFC or Rosreestr.
Developers can also use this service in order to formalize transactions with land plots and legitimize their right to property.
The main incentive for electronic registration of a real estate transaction is the preferential mortgage rate.
Procedure and conditions for electronic registration of a transaction
To carry out the procedure, the developer needs to use the services of specialists, install and configure a special program on the computer. All documentation must be entered into the electronic transaction registration service in a special section dedicated to a specific project.
Individuals can also carry out the procedure for electronic registration of a mortgage transaction directly with the bank or through the developer. To do this, you need to contact a financial institution or the developer and provide him with documents to send to Rosreestr.
The next stage: payment of the state fee. You can deposit funds at a bank or through a terminal, as well as at post offices.
After Rosreestr receives the application, it immediately begins its registration and subsequent consideration.
After this, the client receives an extract from the Unified State Register of Real Estate, confirming ownership in electronic form, certified by the digital signature of Rosreestr, to the specified mail.
How to register electronic property rights?
Rosreestr provides 2 ways to register ownership: in person and with the involvement of a third party
(intermediary). The main difference between these two methods is the cost of processing documents and the time frame for issuing them.
Preparation of documents yourself
To independently submit an application for registration, the owner must gain access to Rosreestr. To do this, first register on the website using a valid (confirmed) account on the State Services portal. If this personal account does not exist, then it may take several days to register and confirm it, and you will need to apply for access rights to the nearest MFC.
Once access to Rosreestr has been obtained, you can proceed to submitting documents. The algorithm of actions will be as follows:
- Log in to the portal;
- Open the section “State registration of rights”;
- Fill out the electronic application form;
- Add scanned copies of documents:
- passports of the seller and buyer, or if we are talking about a deed of gift, then a copy of the donor’s passport is attached;
- agreement of purchase and sale, equity participation, gift or will;
- notarized consent from one of the spouses for the sale of real estate if the seller is married;
- mortgage loan agreement signed and stamped by the bank.
- Check the entered data and confirm it with an electronic signature (UKEP), and then send the application for processing.
In the future, the status of the application can be tracked in your personal account.
. It takes from 2 to 7 days to review it. If the registry staff does not have any additional questions, then the rights to the property will be re-registered to the new owner, and the applicant will receive a confirmation document to the email specified in the application form.
The cost of processing documents will be 2000 rubles.
– the state duty is a fixed amount. Moreover, if you need to register several objects at the same time, then the fee will have to be paid for each object separately (however, as well as submit a separate application to Rosreestr).
Registration with the help of an intermediary
If many difficulties can arise with the independent preparation of documents (no registration on the Rosreestr website, no electronic signature, difficulties arise with submitting an application), then with the help of intermediaries it will be much easier and faster to solve this problem.
A notary, bank, development company or real estate agency can act as an intermediary
. Some will independently issue a UKEP for the client, others already have their own UKEP, and the rights of a third-party registrar on the Rosreestr website. As a rule, with the help of intermediaries, paperwork takes from 1 to 3 days. But you have to pay for speed and help. The average cost of agent services is from 4 thousand rubles, a notary will ask from 5 to 10 thousand (each notary has its own fixed price list for services), but the bank asks for its mediation in the range of 8-10 thousand rubles.
In this case, the owner only needs to bring the documents requested by the intermediary
. Then you just have to wait for a positive result.
How much does electronic transaction registration cost?
For developers, the necessary software costs about 20,000 rubles. Along with the software, the owner receives an enhanced digital signature of the legal entity.
With electronic registration for individuals, the fee will be a little cheaper, but you will have to pay directly for the service. The cost of the service does not exceed 10,000 rubles. This price pays off within the first year due to the reduced mortgage interest rate.
Pros and cons of electronic transaction registration
pros
A significant advantage of this procedure is its high efficiency. Saving time allows many citizens to make real estate transactions without leaving home.
Another significant advantage is a significant reduction in the interest rate on a mortgage with Sberbank when registering the transaction electronically. The interest rate is reduced by 0.5-0.7%.
The absence of administrative barriers and human factor is a huge advantage for many residents of the country.
Electronic registration is also convenient for developers because completing a large number of transactions via the Internet saves a lot of time and money.
Another advantage is that when registering a transaction whose participants are located in different regions, you do not need to travel anywhere.
Minuses
Of course, the system is not fully developed and has some disadvantages. It is not possible to pay the state duty at every bank in the Russian Federation. The electronic real estate registration program is currently available only in 110 cities of Russia.
Many people are worried that they will not receive the usual apartment ownership certificates and doubt the authenticity of electronic documents. It is worth noting that no usual certificate in hand is now issued at the MFC; they have simply been canceled since July 15, 2021. At the moment, the only proof of ownership is the corresponding entry in Rosreestr, and documentary evidence is an extract from the Unified State Register of Real Estate, which is valid for a month.
Also among the shortcomings is the unsmooth work with such documents in the tax office (when returning a tax deduction) and other authorities. However, this is a temporary phenomenon.
Also, among the disadvantages of electronic registration of a transaction, you can find references from Sberbank clients that the specified deadlines do not always correspond to reality and can be significantly increased (up to half a month). At the same time, it is not always possible to find the person responsible for conducting this procedure at the bank, since financial organizations do not disclose information about employees and do not provide their phone numbers.
Electronic registration of a real estate transaction through Sberbank today is an incompletely developed procedure that does not yet have clearly demarcated areas of responsibility. Technical problems of various types may occur: for example, when documents are delayed or not received on time by bank employees and other participants in the transaction.
However, many people who used the service note that the procedure went without the possible problems mentioned above, and experts say that the risks when registering transactions electronically with Sberbank are minimal.
Electronic registration of real estate transactions through banks
The first bank in the Russian Federation to gain access to this service was Sberbank. Clients of a financial institution can submit documents for registration of property rights electronically and receive, at the same time, a discount on the state fee of 30% (for individuals).
A corresponding agreement was signed between Sberbank and Rosreestr.
Currently, following Sberbank, it plans to offer the service of electronic registration of real estate transactions and VTB 24.
How to obtain UKEP?
If you still decide to register ownership, then you should deal with the UKEP. This is a strong, qualified electronic signature that is needed to sign most electronic documents. In fact, this is an analogue of an ordinary handwritten signature, and, from a legal point of view, has the same force as an ordinary signature on paper.
To obtain it, you will have to contact a CA (certification center) or order it on a website authorized by the Ministry of Telecom and Mass Communications. As a rule, to order it, it is enough to provide an application, passport and SNILS.
Now about the nuances of obtaining this signature:
- The minimum cost of a basic package of services for creating a signature (registration, installation of the utility, technical support and access to the document signing service) is from 2 thousand rubles. for 1 year. For example, at Sber this price starts from 2499 rubles. If desired, you can connect additional options: protected media, accelerated certificate issuance, etc. This will add another 400 rubles. up to 4 thousand to the cost of the “key”.
- At the same time, with the help of an electronic signature, you can certify almost any document, even sign an employment agreement and work with investment exchanges.
- The UKEP can be revoked at any time.
If you contact agents, a bank or a developer, you will still have to issue an electronic signature, although it will be included in the cost of their services, and the intermediary will handle its preparation. But when contacting a notary, you do not need to make an electronic signature for yourself. The notary will sign the document with his own UKEP.
But if you do everything yourself, it turns out that the costs will still be less than when turning to an intermediary - after all, when turning to a third party, you still need to pay a state fee for your transaction
.
Electronic registration of a housing purchase and sale transaction
Today, it is possible to carry out electronic registration of a transaction for primary housing - apartments in new buildings, secondary housing - in existing houses and apartments, and those acquired in shared ownership.
In the first case, documents can be submitted directly by the developer or an individual - the owner of the property.
Electronic registration of a transaction for the purchase and sale of secondary housing requires the mandatory provision of a written statement and information about the owner of the premises.
Participants in shared construction who purchased housing through a joint investment in the construction of a house can also complete electronic registration of a real estate purchase and sale transaction via the Internet by preparing a corresponding application.
Based on the results of confirmation of the application at Sberbank, the client receives the following documents:
- Extract from the Unified State Register of the established form;
- Certificate of electronic registration of the apartment purchase and sale transaction from the bank;
- Signed DCP.
When registering property under mortgage, a loan agreement and other accompanying documents are also provided.
What do you need to provide to the bank for registration?
Regardless of whether the apartment was purchased with a mortgage or for cash, when preparing documents via electronic registration, the client must provide the following documents:
- Purchase and sale agreement or DDU
- Spouse's consent if required;
- application - filled out by the new owner.
All these documents must be provided to the registrar. If at least one is missing, the manager may refuse to perform state electronic registration.
In order for registration to be successful, you need to know what conditions the bank imposes for its completion.
