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Date: 6 months ago   Category: Realty

Figure in operation: the first mortgage transactions with electronic mortgages are issued


Such mortgages were included into a turn since July 1. What they have advantages, have told in management of the Federal Registration Service across Moscow the Photo: depositphotos.com the Federal Registration Service has registered the first electronic mortgages: mortgage transactions with application of electronic mortgages are issued by Sberbank — in Tyumen and "ДОМ.РФ" entering a contour Russian Capital bank — in Tyumen and Moscow. Electronic mortgage mortgages have appeared in a turn since July 1 when the amendments to the federal law "About a Mortgage" initiated and drafted by the Central Bank have come into force. As the head of legal support of management of the Federal Registration Service on Moscow Oksana Mishininskaya notes, at electronic option the mass of advantages before its paper a predshestvennikom:oksana Mishininskaya the head of legal support of management of the Federal Registration Service across Moscow "Mortgages on a mortgage are paperless securities which contain information on depositors, on the borrower, on mortgage property and also other details of the transaction on a mortgage loan. At the same time if discrepancies occur in the credit agreement and in the mortgage, then they are treated in favor of the mortgage. It is obvious that on the way to an online mortgage the modern format will force out becoming outdated. Already now applicants don't need to visit personally MFTs for registration of the mortgage, and then once again — for her repayment. The registrar interacts with bank directly, it also is the main advantage of the electronic mortgage". The statistics says that from January to July of this year the capital Federal Registration Service has registered more than 46,5 thousand mortgage contracts, from them 11% — about 5000 — were followed by mortgages. But transition to an electronic format guarantees to this figure growth potential. For example, according to developers, many borrowers would like to accelerate process of closing of the transaction, and some (and such there is a lot of, especially among youth) from a mortgage are frightened off by a thought of need to go on instances. Besides, transition to electronic document flow will increase safety of transactions with the real estate, minimizes influence of a human factor, will cut down expenses of banks, having given them the chance to offer lower rates and favorable terms — generally, everything it will be good. And sceptics can not worry: the electronic medium paper doesn't cancel yet. To add BFM.ru to your sources of news?

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