Domklik from Sberbank personal account, how to use it. DomClick from Sberbank: personal account Sberbank mortgage loan personal account

Sberbank offers an excellent service for purchasing an apartment through the DomClick portal mortgage. Its peculiarity is that the registration of the transaction is executed completely electronically.

To complete the procedure, you will need a one-time visit to a branch of Sberbank in order to sign a loan agreement. Everything else is done online. To do this, you only need access to the Internet on a computer or mobile device and a personal account.

Possibilities of a personal account

In the personal account, the user can view catalogs of developers that have been checked by Sberbank employees, find a suitable apartment and choose a real estate specialist for himself, as well as place an order for real estate appraisal and legal expertise. Having an account, you will be able to monitor the stages of your transaction and the change in the status of the requested loans, see the amount approved for the loan, if necessary, familiarize yourself with the current database of available apartments from verified organizations, use the services of insurance companies that have been verified by the bank, as well as much more.

The site is fully equipped in terms of ease of navigation and informative. Would you like more information on a specific issue? Go from section to section and study the information you need. Don't want to search or have questions? Ask them to specialists in the online system support service and get a detailed answer.

Registration and login

To open access to your account, it is important that your mortgage is approved by Sberbank. To do this, send a request for a loan using the form on the site, correctly filling in the fields of the electronic form, and wait for a response. The link to the form is located under the title Apply Online.

If your loan has been approved, the registration of personal data in the system will be carried out automatically, and an invitation to enter your account will be sent to you in the form of SMS from number 900. The password will be indicated in the message, and the login is the mobile number.

The unique Dom Click service from Sberbank significantly simplifies the procedure for selecting, applying for and registering a mortgage. With it, you can purchase a mortgage loan not only an apartment in a new building, but also secondary housing, as well as the cherished square meters in the house at the construction stage.

The content of the article:

The online service appeared only a few years ago, but has already won positive reviews not only among young families who want to choose and buy an apartment, but also among those who want to sell their property.

The Dom Click real estate center is designed to unite a seller or developer, a potential buyer and employees of the Sberbank branch where the application for a mortgage will be submitted.

Service features

The portal developed by Sberbank specialists has the following functional:

getting advice on mortgage lending
mortgage online calculator
search and selection of residential real estate for objects accredited by Sberbank
control and verification of the legal purity of the participants in the transaction and the property
registration, preparation of documents and sending an application for a mortgage directly from home
possibility of appraisal of housing
sending documents for registration without visiting Rosreestr
settlement between the seller and the buyer without the need to visit the bank

Simply put, DomClick allows you to buy an apartment with a mortgage loan from Sberbank without spending a lot of time traveling to the bank. All formalization actions are performed online, and you will need to come to the bank only with the original documents.

Services are provided by a subsidiary of Sberbank, which guarantees transparency and security deals.

Smartphone owners can use a special application DomKlik, which is available for download in Google Play Market and AppStore.

What housing can be chosen using the portal:

apartment in a house under construction or under construction or a residential complex
secondary housing (apartment, room)
real estate in commissioned new buildings

It is quite easy to find in your city and see planned residential complexes or already commissioned multi-storey buildings via the Internet. The developer's employees will help you to visit the construction site and tell you where to download the plan of the future house in order to choose the living space that suits you personally.

But with secondary housing, not everything is so clear.

Main questions that arise for those who are just thinking about such a purchase:

how to find the owner without overpaying agents
Do I need to do an assessment and why is it needed at all?
how “clean” the apartment is legally

Especially potential buyers are worried about the time that will have to be spent on various inquiries about the number of owners, debts for housing and communal services, registered persons. After all, time is the most precious resource.

The DomClick portal has already taken care of getting rid of such worries, and links to additional services are placed on the pages of the service.

When applying to purchase a resale property through Dom Click, the bid starts from 8.6% per annum.

The potential buyer has 2 options- choose secondary housing from the list available in the DomClick database, or choose an apartment yourself.

Let's start with the first option and consider the whole process in detail.

How to Apply for and Buy a Second Home Mortgage

Requirements for the borrower

Citizenship of the Russian Federation
Age 21+
Maximum loan term: up to 75 years
At least 6 months of work experience in current position
At least 12 months of total experience in the last 60 months

For example, if the borrower has a total work experience of 20 years, but for the last 6 years he has been unemployed - Sberbank refuse on credit.

Calculation of monthly payment and down payment

If the apartment is selected, or you just want to understand procedure for payments and settlements with a bank - you need to go to the page of the online mortgage calculator.

1. Enter the address in the browser bar https://ipoteka.domclick.ru and wait for the download.
2. Select and enter the following details:
  - The purpose of the loan (in our case, “Purchase of a secondary apartment”)
  - Price: from 300 thousand to 30 million rubles
  - Size down payment: 450 thousand to 30 million rubles
  - Term loan: from 1 year to 30 years
  - Having a Sberbank salary card: lowering the rate on 0.5%
  - Life insurance: -1%
  - Electronic registration of property rights: -0.1%
  - Possibility of application: -0.5%

If the apartment is chosen by you in the database of offers of the Dom Click service - the mortgage rate decreases by 0.3%.

1. Depending on the data you choose, the interest on the loan and the monthly installment will be calculated. This information will be displayed in real time on the right line of the screen.

To send an application for a loan, enter your personal data just below and click the “Create a personal account” button or log in through.

To get advice or ask a question, contact Sberbank at a toll-free number 900 or 8 800 555 55 50 .

1. Enter information about your marital status and whether you have ever changed your last name.
2. Enter the number and series of your passport, information about minor children and education.

1. If you are an individual entrepreneur, you must click on the button and fill in the details of the legal entity. If not, enter data on employment and wages in the appropriate lines.

1. Next, you need to scan all pages of a civil passport and add them by clicking the “Download” button for each.
  Must be attached ALL pages of the passport even if they are empty.

1. Add a personal photo as required and a scan of your marriage certificate.

Similarly to your details, fill in the information about the co-borrower/spouse, if any.
In the section below, select a Sberbank office convenient for visiting and click the “Send an application to Sberbank” button.

The application processing time is from 1 to 3 days and depends on many factors. Unfortunately, there is no way to speed up the process.

Next steps

After submitting an application for a mortgage, if approved, you must go through the following steps:

Property search (more on that below)
Collection of documents
Real estate approval
Signing a loan agreement
Deal registration

It is especially convenient that if you choose a property that has a label “Approval online”, this means that the collection of documents by Sberbank will produce independently.

How to choose an apartment online in order to visit the bank only once, to sign a loan agreement, we will tell further.

Search for secondary housing in the real estate center Dom Click

If the decision of the bank positively, the most interesting stage begins - the selection of an apartment in accordance with the approved amount.

You will receive an SMS message with the amount of the approved loan, and the bank manager will contact you to clarify the details.

In our example, let's take a closer look at how database search service from Sberbank.

1. Go to the official website of the portal by the link https://domclick.ru
2. In the region selection line, enter the required one and click "Show". In our example, we entered “Moscow”.

1. In the search results, enter the following filters:
  - District, metro station or address
  - Number of rooms
  - Price from and to
  - total area
  - kitchen area
  - Floor and number of storeys of the house
  - Type of bathroom
  - Photo availability
  - Balcony / loggia

Also, it is possible to display and filter the results directly on the map. To do this, press the button "On the map" at the top right of the screen.

1. After selecting the necessary filtering properties, click the “Show” button.
2. The search results will be displayed in the column on the left and will have the following characteristics:
  - total cost
  - Price per square meter
  - Address and area
  - Number of photos
  As well as, additional properties:
  - Online approval
  - Urgent sale
  - Operational display
  “Approval online” means that Sberbank, together with the seller or agent, will independently collect the documents necessary for approving the apartment.

To open a detailed description of the apartment, simply click on the option you want to view.
If you have found an option that suits you, or if you want to clarify any question, click the button "Request a call", enter your phone number and the owner/agent will contact you.

Also, you can immediately send an application for approval, if such a function is available, or calculate the mortgage fee.

Features of independent search for an apartment

Also, you can look for an apartment for registration in a mortgage and on one's own. As a rule, for this they use:

online bulletin boards
city forums
real estate agency websites
groups in social networks
thematic newspapers and magazines

Be sure to find out:

utility bill information
number of registered persons
absence of claims and collateral encumbrances

After the approval of the loan application and the selection of a suitable apartment, a comprehensive examination and legal due diligence can be carried out either with the help of special companies, or by contacting the Sberbank service at pravo.domclick.ru

If the apartment is legally clean, it is necessary to conduct it assessment. At this stage, you can also use the services of a third-party organization, or entrust this to Sberbank and its valuation service ocenka.domclick.ru

After the bank approves the housing offered by you, the final stage of drawing up a loan agreement and processing a transaction and real estate begins. These stages are considered by us in separate thematic articles.

We are waiting for your questions in the comments! We will try our best to answer as quickly as possible!

Sberbank of Russia has released a program that allows customers to apply for a mortgage without leaving home. The procedure for acquiring housing has been significantly simplified, citizens can get a loan to buy an apartment, practically without visiting a bank branch.

What it is

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and IS FREE!

The DomClick mobile application from Sberbank allows you to literally "get a mortgage in one click." Loan processing takes place completely online, you only need to come to the bank to sign the contract, when the application has already been approved.

In fact, DomClick is a subsidiary of Sberbank, through which customers can carry out various financial transactions, primarily related to the design and purchase of apartments.

Previously, the DomClick system was called "Parline". Its main feature is that the interests of each of the parties are taken into account in the process of processing the transaction. The borrower independently chooses a realtor, studying the ratings and reviews about him, and then coordinates his decision with the lender online.

This arrangement of transactions is also beneficial for developers - the level of sales increases, while various transaction costs are significantly reduced.

Many Russian banks are striving to transfer their activities to the Digital mode, and the DomClick mortgage lending program is one of such attempts. For the bank, the benefit is to reduce the costs associated with obtaining a loan.

The possibility of applying for a loan online appeared only in 2020. Not only bank clients, but also partners can conduct various real estate transactions through this program.

The service very quickly gained popularity - in a short period of work, mortgages were issued to more than 5% of Sberbank customers.

Residents of the Moscow region have the opportunity to use all five functions of the service:

Making a mortgage loan.
Submission of an application to Rosreestr for registration of real estate transactions.
Ordering an appraisal of the apartment chosen for the purchase of a mortgage.
Conducting legal due diligence.
Showcase of real estate – customers can choose an apartment by viewing the offers displayed in this section.

DomClick is a very convenient and simple site that can be used by anyone with an Internet connection.

Who can use

The service was developed by Sberbank specialists for its own clients and partners. To be able to send an application, you need to register on the site and go to your personal account.

The basic principles of the platform:

customers can directly contact those bank employees who are involved in the execution of a mortgage loan;
all developers are tested for conscientiousness and honesty, the availability of accreditation is checked;
consultations are held with the best real estate agents;
system participants can read the reviews of other users who have already received a mortgage.

Users of the site get access to all its functions after registration. Developers who are partners of the bank can offer their apartments to buyers in the “Real Estate Showcase” section. In general, it can take about half an hour for a client to process a mortgage.

How to apply for a mortgage in DomClick

Working with the site does not require special knowledge, you just need to go to the system and follow the instructions that appear in the window.

Mortgage processing takes place in several stages:

First of all, in order to gain access to your personal account and view the offers of bank partners, you need to register. To do this, you need to go to the site, fill in the empty fields in the questionnaire and click the "apply online" button.
The service gives hints when filling out the questionnaire, so there should be no difficulties with sending. The second step is the selection of a property and its coordination with the bank. After the apartment is chosen independently (not one of those options offered by the service), you need to scan and upload documents for the property.
After the bank approves the transaction, a mortgage lending agreement is concluded. To sign it, you will have to contact the office.

In general, the process of obtaining a mortgage is very simple and convenient, the bank makes a decision very quickly.

In your personal account, a citizen can see what decision the bank has made. If the application is approved, a list of documents will be listed, the originals of which must be presented when signing the contract.

It should be borne in mind that only a client of Sberbank can enter the site, the number and password are issued by an employee in the branch when filling out the documents. To log in through the mobile application, you need to enter your mobile phone number and login password.

Sometimes situations arise when a person has lost his password - he didn’t remember it or didn’t save it on his phone, in such a case it is possible to restore access to his personal account.

Often, when applying for a mortgage at Sberbank through the DomClick system, customers are faced with the problem of choosing a developer - the bank employee considers all the options they like to be unsuitable.

The system provides for monitoring, as a result of which the bank employee will know about the client's actions on the site. This is necessary in order to control the user's activity and give the client tips on filling out the questionnaire and finding an apartment that will be approved.

It will also help protect the personal account of a Sberbank client from unauthorized influence, for example, if scammers hack the site.

How to calculate

To calculate, the client must indicate:

type of apartment: new building, secondary;
the city in which the selected property is located;
the total cost of the apartment;
the amount that the client has at the time of registration of the mortgage (the amount of the down payment) - the minimum contribution is 450 thousand rubles;
the desired repayment period of the loan is from 1 year to 30 years.

You should also check the appropriate boxes if:

the applicant is a payroll client of Sberbank;
it is planned to reduce the interest rate by 1% under the life and health insurance program;
an electronic registration of the transaction will be carried out, which will reduce the rate by another 0.7%;
it is possible to reduce the rate by 2%, due to the fact that an apartment is purchased from developers - partners of the bank.

It should be borne in mind that the bank can change the data, for example, the client wants to receive 2.5 million, and he will be given 2.1 million. This is due to the fact that the mortgage amount is calculated after receiving a report from the appraiser, which indicates the market value of the purchased property.

Advantages and disadvantages

As with any bank, getting a mortgage from DomClick, a subsidiary of Sberbank of Russia, has its pros and cons.

Advantages:

Sberbank is considered one of the most reliable banks in Russia, in which it is very profitable to issue a mortgage loan. Interest rates are very attractive, and the requirements for customers are loyal.
The application can be approved online, the client does not need to go to the bank branch several times.
The decision is made faster than when applying at a branch, and in a special chat on the website, a bank specialist will ask all the questions necessary for obtaining a mortgage.
To apply, just download the DomClick application on your mobile device.
The site has a database of agents who can assist in the preparation of documents for the purchase of real estate.

In 2016, Sberbank PJSC launched an Internet portal that simplifies the application for long-term loans for the purchase of real estate, the search for suitable housing, the selection of insurance, and the preparation of legal documents. A whole list of possibilities is available to users: from submitting an application to a project to repair a future apartment.

What is the DomClick resource

DomClick.ru is a free online service that brings together buyers, developers, realtors, real estate experts and lawyers. Borrowers can not only get acquainted with the general characteristics of lending objects, but also see video presentations.

There are also paid services on DomClick, for example, electronic registration in Rosseestr, the cost will be calculated individually, depending on the specifics of the transaction. Or the urgent generation of an extract from the USRN, including a document with a digital signature - the service costs from 49 rubles.

The real estate presented on the site is verified and approved by the largest bank in the Russian Federation. Customers are given the opportunity to choose the best price and receive a discount on the loan rate.

All companies registered on the site are partners of Sberbank, which guarantees the safety and purity of transactions, all stages of which are controlled by the organization's specialists.

For users of smartphones and other mobile gadgets, a mobile version of the service is available, which has the same capabilities as the portal on the network. The application "weighs" 9 MB, installation is possible on Android 4.1 and higher. Installation on Apple products will require 55 MB of free space and an operating system from iOS 9.0. You can download distributions on GooglePlay and AppStore, respectively.

How to enter your personal account

Authorization is required to use the resource. The login and registration button is available on the main page of the portal. Clients who have already applied for a mortgage through contacting the operational office and have a positive decision, an account is created automatically. Together with approval, an SMS message with a password is sent to the mobile number, the same number or e-mail specified in the questionnaire serves as a nickname.

Login is possible through the Sberbank Online Internet service, all data is encrypted, which creates a secure connection. After creating a personal account, personal data from Sberbank Online is automatically uploaded to a new DomClick profile.

The second way is to register on ipoteka.domclick.ru or follow a link from the official website of Sberbank. It is suitable for citizens who are only considering the possibility of acquiring real estate on credit. In the tab that opens, you will need to enter personal data - first name, last name, date of birth, phone number, email. The password will be sent via SMS. Registration is confirmed by clicking on the link from the email.

Who can use the service

System users are current or potential customers and partners of Sberbank:

Legal entities accredited by the bank are developers, realtors, organizations providing services in the real estate market.
Borrowers are capable citizens of the Russian Federation, aged 21 to 75 years (as of the date of the last payment), who have a constant stable income, who have not changed their place of work in the last 6 months, with a total work experience of more than a year (for the last 5 years), who have already drawn up an agreement or interested in mortgages.
Sberbank specialists.

Random individuals and legal entities without verification by security services cannot place ads on the site for the sale of real estate, the provision of services. This increases the security of all transactions.

System capabilities in 2020

Through the personal account, all the main services of the resource become available:

Information on bank products, manager's consultation, chat, loan calculator.
Formation of an application for a mortgage without a visit to the bank. Supporting documents must be converted into electronic form and downloaded through the appropriate links.
Data on the consideration and status of the application, the decision to grant a loan.
Choosing an apartment, a comparative analysis of the real estate market, applications for inspection, registration of a transaction, valuation, entering data into Rosreestr.

In addition to the main services, the resource implements additional functions:

Checking the property - legal expertise. The history, owners, lack of encumbrance, the presence of minor heirs, debts on rent and utilities, the legality of the assignment of property rights are checked.
Valuation - the determination of the market and cadastral value is carried out by specialists of organizations of NSO members that are partners of Sberbank.
Electronic registration of the transaction - registration of documents in Rosreestr without a visit to its branch and the MFC. The whole procedure is controlled by the manager. In addition, there is an additional 0.1% discount.
Secure payment is a non-cash settlement with the seller upon the fulfillment of all the conditions of the transaction and the transfer of ownership of the property to the buyer.
Insurance is the choice of a reliable agent, the most profitable product. Insurance of pledged property is mandatory. For bank products, the financial protection of the borrower's life gives a 1% discount on the loan rate.
Repair - search for a construction company for repair, installation, finishing work. The service operates in a test mode, so far only for residents of Moscow and the Moscow region. The built-in design constructor allows you to create an order model for preliminary evaluation by the contractor.

From 2020, for many objects, filing an application through DomClick allows you to reduce the rate by 0.3%.

Sberbank partners use the DomClick PRO service, through which you can make an application through the office of a real estate agency or developer.

Advance paynemt

The built-in online calculator quickly performs a preliminary calculation of the cost of the mortgage, calculates the amount of the monthly payment. Before filling out an application, by comparing financial capabilities and needs in square meters, the service helps to determine the required loan amount. The calculation is available in your account or on the website even without registration.

The calculator is a set of "rulers" according to which:

The type of real estate object is a bank loan product.
The cost of housing, the percentage of the down payment.
Loan term - from 12 months to 30 years.
Amount of verified monthly income.

Activating the "calculate" button provides comprehensive information - the total cost of the loan, overpayment, minimum payment, repayment schedule. Under the result of the calculation, there will be a link “Loan Terms”, all the parameters of the mortgage program are described here, depending on the choice of the object in the calculator (new building, secondary housing, etc.). You can then move on to submitting an application.

Hello, friends!

Can you imagine a situation where you, without leaving your home, with one click on your computer keyboard or a click on your smartphone, apply for a mortgage, upload the necessary documents and get bank approval? Not? So far I can't. But Sberbank assures that this is not a fantasy, but a reality. And he offers to use the DomClick service.

And since it offers, you first need to understand what it is and how it works. I will not hide the fact that when preparing the article, I have already come across the DomClick electronic service. And when analyzing the reviews of its users, I read a lot of negative ones. The more interesting it will be to dive deeper into the review of the service. The idea is very relevant, and its ideal implementation is a matter of time.

DomClick from Sberbank is an electronic service created by Real Estate Center from Sberbank LLC to simplify the procedure for obtaining a mortgage loan.

Online service features:

applying for a mortgage, refinancing and reducing interest;
selection of real estate in the primary and secondary market from accredited sellers and developers;
preliminary calculation of the cost of the loan using a mortgage calculator;
removal of encumbrance from the property after the payment of the loan;
real estate appraisal throughout Russia;
real estate, life and health insurance upon execution of a mortgage agreement;
electronic registration of a mortgage transaction without a visit to Rosreestr or the MFC;
secure settlements between the seller and the buyer without visiting the bank;
urgent order of an extract from the USRN;
obtaining advice on mortgage lending.

In the top menu of the main page of the site, another service is indicated - a decrease in interest on an already existing mortgage. But when you go to this section, you will see a message that the service is not available.

The service has a mobile application that you can download for free on Google Play or the App Store, and manage your mortgage not only from home, sitting at your computer, but also on the road from your smartphone.

DomClick brings together sellers, buyers, developers, appraisers, government agencies in a single information space. You can register as a client or partner. I'll tell you more about the registration procedure itself.

Registration on the DomClick website

If, after a long (I hope so) analysis, you have chosen Sberbank, then when you click on the “Submit Application” button, the system immediately transfers you to the official DomClick website.

On the DomClick website, you will first of all see a calculator, a chat with a consultant and answers to popular questions. You can calculate the monthly payment, the required income and the approximate mortgage rate without registration.

Calculator settings allow you to set the purpose of the loan.

The main parameters of the loan (real estate value, down payment and loan term). It is enough to move the slider to the desired numbers.

After filling in all the fields, you will receive a preliminary calculation. Pay attention to the word "preliminary". The approval of the loan depends on the submitted documents, which are analyzed by the bank, and it makes the final decision.

If your financial literacy is at its best, you can start applying. To do this, you need to log in to your personal account (the last menu tab at the top of the page). Sberbank customers who use Internet banking log in through Sberbank Online.

New customers must first register. To do this, on the main page, select the “Mortgage” tab. A calculator will appear, on the right there will be a registration window.

This will be followed by a standard questionnaire with the personal data of the borrower, which must be filled out very carefully. The main convenience is that all the necessary documents in electronic form are downloaded directly on the site.

Mortgage from DomClick

Paying attention! Private sellers can also advertise real estate for sale. Carefully study the requirements of the service for the description and photographs of the object.

What you need to do to get a 0.3% discount:

Step 1. Apply online and wait for the bank's pre-approval.

Step 2 Choose from the database an apartment that meets your requirements and preferences.

I advise you to immediately set the required city. Then all the information on the site will apply only to the selected locality.

The red arrow showed a special icon, which means that the apartment is not yet considered by other borrowers, and you can negotiate with the sellers. Clicking on a specific ad will open a detailed description of the apartment, house, area, etc. All this with numerous photographs.

In addition, after the description, interesting information is given, which is called “Price Analysis”. With the help of mathematical algorithms, an analysis of the price of similar apartments was carried out. Transactions for the last 3 years are compared, more than 40 parameters are involved in the calculations. Among them:

characteristics of the house and apartment,
location,
transport accessibility and others.

As you can see on the screenshot, the price in the ad is almost 1,500,000 rubles. exceeds the market price. There is something to think about.

On the right side of the apartment base there is a special filter where you set the necessary parameters to narrow and speed up your search:

type of apartment (new building or resale);
city and specific address, if needed;
number of rooms;
price range;
area;
floor and number of storeys of the house;
bathroom.

The screenshot shows a fragment of the filter.

Some ads have the caption “Possible approval without evaluation”. What does it mean? And the fact that you can save on the services of an appraiser. Sberbank will not require a valuation report if a number of conditions are met:

the price of the apartment should not exceed 20,000,000 rubles,
the apartment is pledged to the bank,
special requirements for the photos posted on the site and the description of the object,
ownership registered after 1998.

Exactly the same procedure applies to the choice of an apartment in a new building. Developers act as sellers instead of real estate agencies. And in the filter on the right side there will be other parameters: for example, the year the house was commissioned, the name of the developer, etc.

Step 3 If the price and the apartment suits you, call the seller and arrange a viewing. You will also find all contacts in the announcement.

Step 4 After viewing, in case of your positive decision to purchase this apartment, you send it to the bank for approval.

If you have not yet decided on the choice, then you can add the apartments you like to your favorites and follow the price changes.

DomClick for partners

We have already said that not only potential borrowers, but also partners of Sberbank are registered on the DomClick website.

The list of accredited agencies can be seen in the “Agencies” tab. Naturally, each city has its own.

Agencies can:

post free ads for the sale of the apartment of their clients,
send documents for approval without visiting the bank,
be the first to know the solution online.

Additional services

You can not ignore the additional services offered by DomClick from Sberbank.

Property valuation

A mandatory document when obtaining a mortgage loan is a report on the assessment of the market value of the object, which you pledge to the bank. It can be real estate that you purchase with a loan, or any other.

Banks put forward stringent requirements for appraisal companies and private appraisers. Sberbank is no exception. To avoid misunderstandings during the loan processing procedure, it is better to contact appraisers accredited by the bank. The list of them for each region is impressive, there are plenty to choose from.

On the DomClick website, you can also order the services of appraisers. For apartments and rooms, the following documents must be provided.

Report preparation time - from 1 day.

Insurance

Let me remind you that insurance of the collateral object is a mandatory procedure, life and health insurance is voluntary. But keep in mind that waiving personal insurance automatically raises your mortgage rate. In Sberbank - by 1%. Nobody forbids you to choose any insurance company, but all banks have their own accredited insurers.

On DomClick, the purchased insurance policy is loaded online, it is not necessary to carry it to the bank.

The insurance contract is renewed annually. For each day of delay in compulsory insurance of the collateral, Sberbank charges a penalty in the amount of ½ of the interest rate on the loan.

If after a year or several years you decide not to renew life and health insurance, the bank will increase your interest rate by 1%.

Electronic registration of the transaction

Another online service that allows you to send documents for registering a sale and purchase transaction to Rosreestr without visiting this institution.

Paperwork sometimes takes more time than choosing real estate. Here's what the standard procedure for registering ownership of acquired property looks like:

You sign a loan agreement.
Submit documents to the MFC for registration.
The MFC takes them to Rosreestr, where they register the ownership and again transfer them to the MFC.
You pick up the finished documents and take them to the bank.

About 2 weeks can be spent on such a circulation of documents. And if you make a mistake, you have to make a new circle.

In the electronic registration service, the manager who directly sends the documents to Rosreestr fills in the documents. Ready documents are sent by e-mail to all participants in the transaction.

In order to popularize the service, Sberbank reduces the loan rate by 0.1% for those who have used the services of electronic registration.

The cost of the service depends on the region and type of housing and ranges from 5,550 to 10,250 rubles.

Secure payment service

This service was created specifically for the safety of sellers and buyers of real estate, their protection from scammers and ordinary robbers in the case of a cash transaction.

The cost of the service is 2,000 rubles. This is how the service works.

The list of documents for receiving the service is minimal.

Extract from USRN

Another electronic service that allows you to urgently receive an extract from the Unified State Register of Real Estate. Since 2016, Rosreestr has not issued paper certificates of registration of ownership. You can get all the information about the owners, about the absence of encumbrances, only from the extract.

On the DomClick website, the cost of a simple statement is from 49 rubles, and the time it takes to receive it in most cases is no more than 1 day. The document can be ordered on the letterhead of Rosreestr without a signature or with an electronic digital signature, which is recognized as legal in all organizations.

In some cases, information about the owners is missing. The fact is that these data began to be entered into the database only for transactions with privatized housing after 1998. Therefore, if the owner has not changed since 1998, then there is no information about him.

Pros and cons of the DomClick service

Obvious pluses:

No paperwork.
Save time, no need to go to the bank, like a job.
Constant monitoring of the stages of the procedure.
Many additional services that cost money but save the borrower time and money.
Feedback in online chat.
Transparency of all lending operations.
The ability to reduce the rate when using the service.

The service has been operating since 2017, so the system is still poorly adjusted and often crashes. Hence the majority of complaints from customers:

Technical failures and rare approval of applications (this point is noted in too many reviews, so the real problem is obvious).
The service is not for most older people who simply do not understand the interface.

Conclusion

To use or not is everyone's business. Some 10 years ago, Sberbank generally had a hard time with Internet technologies. And now we have established both Internet banking and a mobile application. Convenient, understandable, simple.

The same, I think, will happen with the DomClick service. And the fact that he has the right to exist and develop is 100%. When I see these endless queues at Sberbank, albeit with electronic coupons, I start to shake. Therefore, I would definitely make an attempt to arrange everything from home. But only one, then I would go for an electronic ticket.

There are many mortgage borrowers among readers. How did you apply for a loan, at the office or at home?