State registration of rights to a property, with an electronic signature, through the Rosreestr portal..

In order to confirm your right to own these categories of property, you must go through the procedure of registering it with the state Real Estate Register.

This procedure is subject to

such real estate transactions:

Starting this year, a new procedure for registering property rights to real estate

.

The main aspects that secure the rights of citizens to acquire real estate ownership are reflected in the Housing and Civil Codes

Russian Federation.

In addition to them, the main document that streamlined actions when registering real estate, until January 1, 2021, was Federal Law No. 122

.
However, in 2015, a new law No. 218-FZ “On Real Estate Registration”
; it came into force at the beginning of this year.

The new law simultaneously regulates issues of real estate registration and registration, which were previously enshrined in the law “On Cadastral Activities”

.

Under the new law, the registration process is much simpler and faster. This is primarily due to the unification and creation of a common register of the Unified State Register and the state cadastre

. Now all these processes are carried out by one body - Rosreestr.

The entire sequence of actions is determined by the special Administrative Regulations of the Federal Service for Registration, Cadastre and Cartography

, which was approved
by order No. 789 of the Ministry of Economic Development
of Russia.

Methods

Until recently, in order to register a property, it was necessary to contact the regional body of Rosreestr or cadastral registration where the property to be registered is located. The rules have changed since this year.

Now you can register real estate in several ways at once

, and regardless of the territorial location of the owner and his property.

Even if you live in Moscow and purchased real estate in another region of the country, for example in Smolensk, there is no need to go to this city to register your rights. Thanks to a common electronic database - the Unified State Register of Real Estate

, you can submit an application
at any branch of the registration service
.
Since the new year, documents for real estate transactions have also been accepted by Multifunctional Public Service Centers
.

Another convenient method that has recently become available can be used by those who have been using electronic services

. You can now apply online. This can be done directly on the Rosreestr website in the “Electronic Services” section. After following the link, you will need to select the desired service and follow all the steps that the system prompts.

The application can be submitted in any convenient way either by the owner personally or through a notary.

Advantages of simplified online registration of mortgage transactions

Advantages of electronic registration of a mortgage transaction

Advantages of electronic registration of a mortgage transaction

Countless certificates, collecting documents, waiting for their consideration - all this accompanies a person who has decided to take out a mortgage on real estate. When it comes to obtaining a permit or other document from a government agency, everything becomes even more complicated. All of them have not undergone complete technical modernization, and there is also an element of bureaucracy. But now that mortgage transactions can be registered online, everything has become much easier and faster.

Fast electronic registration - in just a few days

Fast electronic registration – in just a few days

Other benefits:

  • The region doesn't matter. If a person who takes out a mortgage lives in one region and buys real estate in another, then he can go to the Rosreestr website from anywhere in the Russian Federation. He does not need to go to another region for registration and incur significant expenses because of this. Everything happens on the website, remotely.
  • Applying for the mortgage itself is faster. Obtaining a loan and all the documents already takes several weeks. If you also register the transaction itself with Rosreestr for more than a month, then it will take up to six months to purchase a home. This is not beneficial for anyone. Therefore, transferring documents online to Rosreestr in one day has become a solution for thousands of Russians.
  • Banks help with online registration and provide an agreement for this so that the client can quickly buy his apartment with a mortgage and register it in his name. More than 50% of loans for the purchase of real estate are issued by Sberbank. It actively introduces new technologies and electronic banking.
  • After signing the loan agreement, the borrower does not need to wait time to register the transaction. Often it is carried out by the bank itself, using the Rosreestr website.

Very often, the bank itself will tell you what electronic registration of a mortgage transaction is and how to use it. Lenders also benefit from quick processing and increased customer loyalty.

Procedure

Registration of rights to real estate takes place in several stages

:

Under the new rules, property certificates will no longer be issued.

Ownership is confirmed only if there is an extract from the Unified State Register of Real Estate

. When selling an apartment, you will again need to provide an extract; in this case, only the owner can request it. You can order an extract online and print it yourself after receiving it; another way is to apply for an extract at the MFC. Its preparation takes three working days. It contains complete information about the owner, as well as about the property itself, including general information about it, its schematic representation, existing encumbrances, if any, and exact coordinates.

a fee for issuing an extract.

: from individuals – 750 rubles, for legal entities – 2200 rubles. – for a certificate received from the MFC; for the electronic version you will need to pay 300 and 600 rubles to individuals and legal entities, respectively.

Required documents

Registration of rights to real estate is carried out on the basis of an application and a thorough analysis of all documents submitted to the Rosreestr authorities.

Real estate transactions can be carried out and recorded in simple writing or notarized. Some of them can only be certified by a notary (for example, alienation of shares in common property; if minors are involved in the transaction, or it is executed under the terms of the guardianship authorities). Each case will require its own package of documents.

To register, for example, ownership of apartments, you will need

:

To register land plots, you will need a plot diagram, and other acts and evidence of cadastral analysis.

Separate documents will be required for legal entities when registering real estate. You can learn more about the documents for each individual case of registering ownership of real estate on the Rosreestr website or at the MFC.

For knowledgeable citizens

The service is also available to individuals. Citizens can register remotely transactions with primary and secondary housing. But just like construction companies, they need a stronger digital signature. It can be obtained from a special certification center by providing the original passport and payment receipt. The cost may be different for each certification center and depends on its conditions. According to Nikolai Lavrov, general director of the St. Petersburg Real Estate Group of Companies, the service costs an average of 4 thousand rubles. In addition to registering real estate transactions, an electronic signature is also useful when registering at a place of residence, obtaining a foreign passport and other government services.

When you have an electronic signature, you need to go to the Rosreestr website and submit an application for electronic registration. According to the managing partner of MIEL-Network of Real Estate Offices Marina Tolstik, there are two ways to submit documents: through a notary and to the applicant personally or to his authorized representative. When submitting documents in person, you need to fill out a form on the Rosreestr website, where you indicate the purpose of the application (for example, registering a transfer of ownership). It is also necessary to provide information about the owner, parties to the transaction, the alienated object, indicate how you want to receive registered documents (they can be sent by email or given out at the reception), and attach documents (for example, a purchase and sale agreement). Next, you need to check all the specified data and finally sign the application with an enhanced digital signature.

Then the applicant is sent a notification that it is necessary to pay the state fee; payment can be made in any convenient way. By the way, the state fee for electronic registration is 30% less than for the traditional version. You can track the stage at which your application is at through the Rosreestr website. Upon completion of registration, an extract from the Unified State Register is issued confirming ownership.

According to Vera Bogucharova, deputy head of the legal department of Est-a-Tet, an electronic signature can only be used with special software. Therefore, the process is available only to “advanced users”, and the average citizen will need a lot of time to understand the system. Considering that today there are multifunctional centers that accept documents in every district of Moscow and in many cities in the Moscow region, it is not practical to buy an electronic signature for one-time use.

The fact of completed electronic registration of property rights is confirmed by an electronic document with an electronic signature of Rosreestr. The expert emphasizes that you should not expect the usual paper document with signatures and seals, and this causes indignation among ordinary citizens. According to the latest amendments, certificates of ownership are not needed to register transfers of rights. Now for this there is enough data in electronic form.

Deadlines

The law establishes the deadlines within which all actions to register property must be carried out.

Depending on the nature of the transaction and how the application is submitted, this may take from five to 12 working days

:

Separate deadlines are established by law for procedures that are carried out based on judicial acts and documents for registration of rights to inheritance, etc.

The shortest terms – 3 working days

installed for the following cases:

  • notarized transaction;
  • if there is a certificate of transfer of real estate by inheritance;
  • if there is a certificate of each spouse’s share in the common property;

If property purchased in is registered, the registration period cannot exceed 7 working days

. In this case, you can submit an application only through the MFC.

Any failure to comply with registration deadlines is considered the responsibility of the registrar. After 2021, if Rosreestr authorities delay this procedure, the applicant has the right to demand compensation from the registrar.

Requirements for electronic registration of transactions

The process of electronic registration of transactions is carried out in strict accordance with established rules, which imply compliance with certain conditions. Among the conditions that must be met for digital registration, the following deserve special attention:

  1. Only one seller and one buyer can participate in a transaction. If more people take part in a given transaction, then its electronic registration is impossible.
  2. According to the current rules, there is no possibility of remote registration of real estate acquired under the military mortgage program. This is due to the fact that the presence of a military personnel is mandatory during the real estate registration procedure.
  3. The representative of the real estate buyer can only sign the necessary documents at the bank branch, but he cannot submit all the necessary documents.
  4. If a transaction affects the interests of a minor, then it is impossible to formalize it remotely.
  5. Remote execution of the transaction is possible only if the housing is purchased as a whole. This is due to the fact that transactions with shares of real estate are carried out only in the branches of Rosreestr.
  6. Only individuals have the right to use digital registration services, since at the current time this service is not available to legal entities.

It is important to note the fact that the package of papers required for electronic registration of a transaction must necessarily include a purchase and sale or donation agreement. Without one of these documents, it is simply impossible to electronically register a transaction.

If you plan to use the electronic transaction registration service, then in addition to the mentioned agreement, you will need the following documents:

  1. An application from the buyer of real estate, which must be completed in strict accordance with the established form.
  2. Written consent of the spouse to carry out this transaction. In some cases, without the written consent of the spouses, a transaction may be declared invalid, therefore, without it, electronic registration is impossible.

You may also be required to provide your passport with registration, as well as a document that will allow you to find out about the current amount of your salary. In some cases, in order for you to have the opportunity to use the service in question, you may be required to provide documents confirming the presence of other property (cottage, car, etc.).

Price

The service for registering ownership of real estate is free of charge

.

The applicant is required to pay only the state fee (tax)

, without which the transaction will not be registered. Its amount is established by the tax code.

This year it is 2,000 rubles for individuals and 22 thousand for legal entities

.

Starting this year, applicants do not need to provide a receipt for payment of the fee when submitting documents for registration. Employees of Rosreestr authorities can independently check in the database whether the fee has been paid. However, to avoid any difficulties when submitting documents, we advise you to keep and take the receipt with you, since the new system is just starting to operate and has not yet been fully developed.

For information on the new rules for registering real estate as a property, watch the following video:

Real estate can become the property of citizens or enterprises for various reasons.

These include an agreement signed by the parties, privatization or an inheritance executed on time.

However, in order to fully take possession of real estate, the rights to it.

In this material we will look at the current period for registering rights to real estate.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to find out how to solve your specific problem, please contact the online consultant form on the right.

It's fast and free!

Since the beginning of 2021, it has been carried out according to the basic principles prescribed in Law No. 218 - Federal Law.

In particular, now in the Rosreestr body you can simultaneously not only register the rights to your real estate, but also put it on (if the object, including the property, was not included in the state cadastre lists).

Let us remind you that for this you previously had to additionally visit the cadastral chamber.

Without registration of a property or land in Rosreestr, ownership of it does not legally arise.

In addition, certificates confirming ownership of property have been abolished as documents. Instead, an extract from the Unified State Register of Real Estate is now issued.

It contains all the required information about both the rights to the object and its full cadastral data. In addition, from the extract you can obtain information about the encumbrances that apply to the property. These include collateral (mortgage), as well as arrest imposed by bailiffs.

To register rights to real estate, you must submit an application of the established form, documents according to which the property has passed into ownership (relevant agreement, certificate of inheritance, court decision, etc.).

If we are talking about a land plot, then materials on it are also provided.

The person submitting documents for registration must provide his personal passport. When a representative acts on behalf of a citizen or enterprise, you will additionally need a power of attorney for him.

When ownership of real estate or land is transferred under an agreement, it is drawn up in triplicate. This is done because one of the originals remains at the disposal of Rosreestr.

The procedure for registering rights to real estate requires a deposit, the amount of which is determined in Russian tax legislation. In particular, citizens will have to pay 2 thousand rubles. If an enterprise registers its property, the payment will be 22 thousand.

Please note that payment can be made after submitting the entire package of documents. 5 days are allotted for this. If at the end of this period of time the amount has not been received to the required details, the application with attachments will be returned.

In addition to rights, a number of agreements as such are also registered in Rosreestr. This list includes agreements on mortgages, shared participation in the construction of a residential building, rental of real estate and other transactions, the registration of which is provided for by current legislation. When such actions are performed, the corresponding mark is placed on the original contract in Rosreestr.

Deadlines for registering rights to real estate


What are the deadlines for registering ownership of an apartment? Currently they depend on several factors.

So, it will matter whether it is necessary to formalize only the ownership right or whether it is additionally required to register the object with the cadastral register.

Also, the registration time depends on the type of title documents for real estate and the form of their submission. But first things first.

So, if it is necessary to simultaneously register the rights to property in Rosreestr and put it on cadastral registration, then the entire procedure will take 10 working days. If we are talking only about cadastre data, then registration takes 5 working days.

Now regarding ownership. According to the standard scheme, it is registered in one week. However, if a notarial agreement, a certificate of inheritance in relation to real estate or a certificate regarding property are submitted for registration, then the period for registering the property will be 3 days. When sending the above documents to Rosreestr electronically, registration of rights will be carried out the next day from the moment all necessary information is received.

The legislation also provides for the suspension of the deadline for registration of rights.

This can happen either by decision of the Rosreestr body or on the initiative of the property owner himself.

For example, Rosreestr may postpone the entire procedure (but no more than 3 months) if serious deficiencies are discovered in the submitted documents. These include the submission of an application by an unauthorized person, discrepancies in data on a property or land plot, etc. A complete list of grounds for suspending the property registration process is contained in Art. 26 of Law No. 218-FZ.

A citizen (enterprise) can suspend the registration of rights for up to 6 months at his own request. It is written in the name of the Rosreestr body in any form.

Electronic registration of real estate transactions is a government service provided by Rosreestr to persons wishing to carry out state registration of rights to real estate with minimal time and effort.

Currently, applicants, regardless of their legal status (i.e. individual, legal entity, government agency, etc.) have the opportunity to submit documents to Rosreestr electronically.

The state service of electronic registration of rights to real estate has a number of undoubted advantages:

— reduction of the time frame for state registration of rights (registration is carried out within 3-4 working days from the date of receipt of documents necessary for state registration of rights, with the issuance of documents on the 5th working day). Registration will be carried out even faster - within one business day - if the notary submits documents for registration of rights in electronic form, signing them with his enhanced qualified electronic signature

— a 30% reduction in the amount of state duty payment for individuals who submitted documents in electronic form.

— the applicant, by independently planning an application for a public service, saves his time. You can submit documents from any workplace with Internet access, since the application is completed on the Rosreestr portal www.rosreestr.ru.

Using the service for submitting documents for state registration electronically is available to everyone. The only condition is that applicants have an enhanced qualified electronic signature. This signature protects applicants from fraud.

There are special requirements for documents sent electronically. They do not relate to the composition of the set of documentation (it is the same as required for submitting documents in any other way), but directly to its execution.

Thus, the application must be signed with the enhanced qualification signature of the copyright holder (hereinafter referred to as the ECES).

IMPORTANT! Information on the procedure for obtaining UKEP, as well as a list of accredited certification centers are posted on the official website of Rosreestr.

Acceptable formats for submitting documents electronically

— XML document;

- PDF - if the document is submitted in this format (i.e. it is an electronic image of the source), then the scanning scale should be 1:1, resolution - 300 dpi in black and white mode.

The procedure for filling out the application fields for paper and electronic formats is similar.

The general scheme of the state registration procedure can be presented as follows:

— the applicant fills out an application in electronic form on the official website of Rosreestr using the “Submit an application for state registration of rights” service, attaching the necessary documents;

— sending an application and a set of documents to the registration authority;

— carrying out by responsible persons of Rosreestr an examination of the submitted documents to determine their compliance with the requirements of the law and the presence/absence of grounds for suspending or refusing to carry out the procedure;

— entering into the Unified State Register of Real Estate the necessary information about the registered right or notifying the applicant about the suspension or termination of the procedure;

— receipt by the applicant of an extract from the Unified State Register of Real Estate in the form of an electronic document or a link to it, depending on the selected extract format.

Rosreestr is obliged to notify the applicant electronically that the procedure has been suspended, terminated or refused.

In addition, the registration authority is obliged to notify the applicant free of charge about the progress of the entire procedure.

So, electronic registration of rights to real estate will generally serve to save time for copyright holders due to the absence of the need to personally contact the Rosreestr department or the MFC, and for applicants - individuals it will save 30% of the state duty.

In addition, state registration of rights to real estate, carried out on the basis of documents submitted electronically and certified by a notary, will take only 1 business day (in the absence of grounds for its suspension or refusal).

Where to contact?


From January 1, 2017, the procedure for registering rights to real estate has been significantly simplified.

Previously, this could only be done by the location of the object.

The coordinates of all branches of Rosreestr can be found on the official website of the department.

In addition, citizens or legal entities can submit documents to register property through the nearest MFC. But in this case, you should be prepared for the process to take longer, namely 2 additional days. This is due to the fact that the MFC first sends the submitted materials to Rosreestr, and then waits for all the papers from there.

For example, if you register property rights through the mediation of the MFC, then instead of 5 days (as is the case with Rosreestr), all documents can be received in seven.

Registration of rights online

You can submit all documents for registration without leaving your home.
Registration of ownership of real estate is a mandatory procedure by law. Without entering information about rights into the state register, it is almost impossible to confirm ownership, and it is also impossible to enter into any transactions, including donation and inheritance. In order to avoid troubles in the future, it is important to know where and how state registration is carried out, what is needed for this, how long the procedure takes and what the deadlines depend on.

A citizen can become the actual owner of an apartment, house, land, non-residential premises or part of any real estate as a result of the purchase of such an object, exchange, rent, inheritance or gift, after privatization or construction. However, regardless of the method of acquiring property rights, registration always takes place in a general manner and under the same conditions.

Since there are a lot of risks in the real estate industry, and the cost of any individual object is very high, you cannot delay in establishing your accounting rights. Delay and irresponsible attitude towards mandatory procedures can lead to loss of property, material damage and other unpleasant situations that even the court can decide not in favor of the injured party.

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Our articles talk about typical ways to resolve legal issues, but each case is unique. If you want to find out how to solve your specific problem, please contact the online consultant form on the right →

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Procedure for electronic registration of a transaction

Practice shows that most often the service in question is used by Sberbank clients who purchase a house or apartment with borrowed funds. In this case, the transaction registration procedure includes the following steps:

  1. A potential borrower selects the home he wishes to purchase and prepares all the documents necessary to complete the purchase. If housing is purchased from a developer who cooperates with the credit institution in question, then all documents can be transferred by an employee of the construction company directly to the bank.
  2. Upon arriving at the bank branch, the borrower must inform the employee that he plans to register the transaction electronically.
  3. At the next stage, an agreement on the provision of the service in question is signed and its cost is paid to the cash desk. It is important to mention the fact that if you decide to use this service, you can expect a reduction in the interest rate on your mortgage loan. Thus, if you take out a loan for ten years or more, then the cost of paying for the service in question will more than pay off.
  4. After providing the credit institution employee with all the necessary documents, a suitable date for concluding the transaction is selected, and the loan agreement is signed.
  5. Next, the credit institution employee sends all the necessary documents to Rosreestr. Typically, specialized software is used to send documents, which guarantees a high level of security for the communication channel. After sending the documents, the transaction can be considered completed and the borrower becomes the full owner of his own square meters.

It is important to note the fact that when registering a transaction electronically, the client is not given any documents that confirm his right to own real estate. This is due to the fact that the fact that you actually own the property is displayed in electronic form.

If you need documents indicating your right to own housing, you can obtain them from Rosreestr. The issued documents do not need to be notarized.


When using electronic registration of a transaction, the maximum period for its registration is five days, but in most cases this requires no more than a day.

The fact that the cost of this service is affordable for most clients of this credit institution deserves special mention, since you will have to deposit less than ten thousand rubles at the cash desk. The exact price of this service directly depends on the type of property being purchased, as well as on the region in which it is located.

How has the issue been resolved?

Most of the population's problems are related to ignorance of their rights and current laws. This significantly frees up the hands of fraudsters and complicates the lives of citizens.

As for state registration, it is primarily regulated by Federal Law No. 122, which considers state registration of proprietary rights to real estate and transactions with it. Some basic norms are also reflected in the first and second parts of the Civil Code of the Russian Federation. In addition, answers can be found in such regulations as:

The very step-by-step instructions for registering property in Rosreestr, which is entrusted with this responsibility, are recorded by the Federal Service in paragraphs of the Administrative Regulations. The Ministry of Economic Development has completely transferred the register work to this body.

Strengths and weaknesses of electronic transaction registration

This service appeared relatively recently, but has already gained popularity among Sberbank clients taking out mortgage loans. The reason for the popularity of the service in question is that it has many strengths, among which the following deserve special mention:

  1. For borrowers who decide to use this service, the interest rate on the mortgage loan is reduced by 0.1.
  2. You will be able to receive competent advice on all issues related to the registration of the purchased property.
  3. This service can be used by both clients of the credit institution in question and all our other compatriots.
  4. There is no need to waste time traveling to Rosreestr and standing in queues.
  5. This service is very convenient for those who plan to purchase housing in another city.

In addition to the advantages, this service also has some disadvantages, among which the following should be noted:

  1. Quite a high price for the service in question.
  2. You will not be given any documents. For this reason, to obtain paper documents confirming your rights to real estate, you will have to contact Rosreestr.
  3. Inability to conclude a deal with housing that was purchased before 1998.
  4. Only citizens of the Russian Federation can use the service in question.

It is important to note the fact that the electronic transaction registration service is constantly being improved, making it more and more convenient.

Methods and time spent

Registration of state registration of ownership rights to real estate requires the provision of information to Rosreestr. There are several ways to submit it:

Regardless of the method of submitting the application, the information will be sent to Rosreestr. Accordingly, if you submit documents directly, registration will happen faster. If you send a letter, you will have to wait much longer, taking into account the delivery time one way and back. At the same time, you should be aware of some changes that have occurred in the information system responsible for real estate and rights to it in Russia. Despite the fact that essentially nothing global happened, something fundamentally changed.

Real estate registration: general rules

All real estate and rights to it must be registered in a special register - these are the provisions of the Federal Law “On State Registration of Real Estate” dated July 13, 2015 No. 218-FZ. The Register of Real Estate and Rights to It (USRN) is maintained by a special government department - Rosreestr (Registration Service).

If a real estate purchase and sale transaction takes place, after signing the contract, you need to inform Rosreestr about the appearance of a new owner. If this is not done, the transaction will not be considered concluded and will not receive legal force.

Previously, registration documents had to be submitted only in person. This took time, because there were always plenty of people willing to register their transactions. Today Rosreestr has introduced the ability to submit applications and applications online. Moreover, this opportunity is available not only to those who buy or sell housing with a mortgage through a bank, but also to all interested citizens of the Russian Federation.

Regulated period

Registration of ownership rights to apartments, land plots, private houses and other real estate includes several stages, each of which requires, one way or another, to spend time:

In connection with the adopted changes, which will be discussed below, the period for registering ownership of apartments in Rosreestr, just like other real estate, has been reduced from ten to three days. However, this is the period that is given directly to Rosreestr for processing each individual request, and it is counted from the moment when the application with documents was received by the institution and was registered by it.

This means that when sending a request through the Multifunctional Center, the processing time increases and is no more than five days. That is, you always need to take into account how soon the application will reach Rosreestr, give it three days for processing and take into account the time during which the response will reach the applicant (depending also on whether he picks it up in person, receives it by mail or some other way). or in another way).

How does electronic registration of a mortgage transaction take place in Sberbank?

Since the majority of mortgage agreements are signed at Sberbank, its transition to electronic registration of transactions became logical. The mechanism has been agreed upon with Rosreestr, everything happens smoothly and during one meeting with the borrower. More precisely, the application and documents for online registration are submitted by the bank. He deals with these issues, and the client needs to come to the branch once for a ready-made package of documents.

Electronic registration of a mortgage transaction in Sberbank

Electronic registration of a mortgage transaction in Sberbank

Electronic registration and all the nuances are handled by Sberbank specialists. For this reason, the service is still paid for for those who decide to take out a mortgage. But the tariff also includes state duty. As you know, it still needs to be paid when registering rights to real estate purchased with a mortgage. Therefore, these expenses are mandatory, no matter who goes through the transaction registration procedure on the RoReestr website - bank specialists or the borrower.

As a result, on the Rosreestr website and in the Unified State Register of Real Estate it will be indicated that the borrower has the right of ownership to the property purchased with a mortgage. A notification will be sent to the email attached to the site, so there is no need to wait for a decision and constantly visit the site. Since everything is done online, the user does not receive documents in hand. They are on the site itself. A message with two attached files will be displayed on the applicant's email. This will be the same agreement in two versions, one of which has a special electronic signature. The Unified State Register of Real Estate also displays all changes and new data.

Services for electronic registration of a mortgage transaction in Sberbank

Services for electronic registration of a mortgage transaction in Sberbank

If you don’t want to submit an application yourself on the Rosreestr website, then you can entrust it to the bank. But then documents must be submitted to the department and a number of conditions must be met:

  • Agreement on the purchase and sale of mortgaged real estate.
  • Statement by the borrower, that is, the future owner, and not another person.
  • Consent of the other party, for example, a spouse, if required by the bank.
  • The applicant must be an individual.
  • The purchase and sale transaction must already be completed and not at the conclusion stage.
  • The transaction is not formalized if it is concluded by agreement.
  • The number of buyers and sellers themselves should not be more than two.
  • The service is not available for military mortgages.

The bank specialist involved in electronic filing will tell you what electronic registration of a mortgage transaction is and when you need to come for the completed documents.

Title papers

After completing all registration stages, the owner of an apartment, land, house, premises or other real estate will definitely receive all submitted originals, as well as a document certifying ownership. Today this is no longer a certificate of title or even a certificate from the register of rights, but an extract from the Unified State Register of Real Estate. Based on this document, you can fully dispose of the object and enter into any transactions.

You should know that over time, title documents have changed their form and appearance several times. The same certificate was produced on white, blue and pink cans, the watermarks were canceled and the paper format changed. However, even today, all title documents issued at one time continue to remain in force and no one is obliged to change them to new ones.

After registering proprietary rights, it is important to immediately check the correctness of the information entered into it and, if errors are identified, report them to Rosreestr within three days for correction. If this is not done, problems will certainly arise in the future, sometimes considerable and can only be resolved through the courts.

Accepting the change

Since January 2021, in the territory of the Russian Federation, by decision of the Ministry of Economic Development, a unified state real estate register (USRN) began to operate. It combines the usual cadastral database and the register of property rights (USRP). In connection with this, the establishment of objects for state registration and the registration of rights to them is handled exclusively by Rosreestr.

Thus, government agencies were able to carry out their work faster, and individuals and legal entities can now complete all the necessary procedures in the same body. In turn, there is no longer a need to collect different packages of documents for interdepartmental structures, contact first one, and then a month later another. Everything is done simultaneously and in a very short time.

Information from the Unified State Register will not be deleted even after it ceases to be relevant. All changes are reflected, and the corrected data remains in the database. Any interested person who has paid the state fee has the right to request information. Some confidential information is available only to owners of apartments, land or other real estate, as well as government agencies for good reasons.

About taxation

Registration of property rights requires the applicant to pay a state fee. Its size is approved by the Ministry of Economic Development and is recorded in the current Tax Code of the Russian Federation.

Standard duty amount:

  • Individuals – 2 thousand rubles;
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Real estate transaction registration services

Property rights registration and real estate registration services

We provide professional services for registering property rights for all types of real estate. This applies to residential apartments and commercial premises. Registration of private houses and plots. Registration of mortgages and lease agreements. Registration of donation and exchange. We also provide services for registering any processes in the cadastral chamber, the Unified State Register of Rights and the Rosreestre.

Registration of property rights:

ServicesTermPrice
10 days9 000
from 10 days9 000
from 4 daysfrom 3 000
10 days9 000
1 day35 000
1 day4 500
2 days9 000
10 days16 000
10 days16 000
10 days9 000
10 days9 000
10 days9 000
10 days9 000
10 days9 000
10 days9 000
10 days9 000
10 days9 000

Registration of rental transactions:

ServicesTermPrice
10 days9 000
from 10 days9 000
10 days9 000
3 days90 000
1 day150 000
5 000

Obtaining documents and certificates:

ServicesTermPrice
1 day2 500
1 hour600
1 day1 000
1 day1 000
1 day1 000
1 day1 000
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