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Date: 6 months ago   Category: Realty

Mortgage on the house


In Russia the law obliging banks to register everyone concordant in Uniform biometric system works. It is supposed that it will help to request services far off of the Photo: depositphotos.com B of Russia has come on June 30 into force the 482nd federal law on creation of the uniform biometric database of citizens by banks which has obliged credit institutions to register each person in Uniform biometric system if that that I have wanted. That then each wanted, without spending time for personal visits to bank, could request this or that service far off. And here, for example, a mortgage it is possible? By estimates of the head of department of innovative technologies of DeltaCredit bank Sergey Ilyutkin, so far a mortgage at banks not in a priority — but also not in the full ignore list. Sergey Ilyutkin the head of department of innovative technologies of DeltaCredit bank "If we speak about the perechena of services, then these services will define banks. For example, opening of the account or closing of the account. Or, as option, release of the card. About a mortgage now, at the current stage of introduction, probably, it is difficult to speak, but taking into account that, besides biometric identification, such directions as the electronic mortgage develop now, and electronic submission of documents is possible, in total it, certainly, will give the chance to simplify process of receiving a mortgage and its registration". But in the long term everything is far better. Several legislative amendments — and for receiving a mortgage loan the client won't need to come to bank in general, even for signing of a final package of documents. Of course, as explain in DeltaCredit, so far it concerns only primary market, that is purchase of housing from builders. On a secondary market three, four parties participate in business time, and presence of people who provide legal support of transactions is already necessary here. However, banks have only started development of the system of data collection. And their clients so far only get used to say smoothly ESIA — the Uniform system of identification and authentication and EBS — Uniform biometric system. According to bank experts, before 2019 you shouldn't wait for mass interest in these abbreviations. To add BFM.ru to your sources of news?

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