Mortgage servicing

Via Uralsib Online, a bank branch, or by phone 8 (800) 250-57-57:

• Certificate of outstanding loan balance (with bank details)
• Certificate of principal and interest paid
  
• Certificate of full loan repayment
  
• Certificate for the insurance company
  
• Certificate for an assigned loan

Other non-standard certificates can only be ordered at a branch.

Certificates are issued in accordance with approved tariffs and timeframes.

Restrictions may apply when ordering certificates via Uralsib Online. 

1. After obtaining a mortgage loan from Bank Uralsib, repay the loan from the third-party bank and remove the encumbrance from the collateral property. You should contact the original lender.
2. Send an email to the email address of the Uralsib branch in your region requesting that a bank employee be assigned to register the mortgage agreement at the MFC “My Documents”. Email subject: Full name of the borrower_Mortgage agreement registration.
3. Together with a bank employee, submit an application for mortgage registration at the MFC “My Documents”. Presence at the MFC “My Documents” is mandatory for all pledgors (owners).

Documents to be provided by the pledgor to the MFC “My Documents”:

• passport;
• loan agreement (1 copy);
• bank-certified copy of the loan agreement;
• mortgage agreement or pledge of claim rights agreement (all copies);
• bank-certified copies of the powers of attorney for the bank employee who signed the loan agreement and for the person who authorized them;
• copy of the valuation report;* 
• mortgage note (original and copy);
• title documents (Unified State Register of Real Estate (USRN) extract or Certificate of Ownership);
• spousal consent to the pledge (if any);
• state fee from the bank (provided by the bank employee at the transaction);
• marriage certificate (if any);
• state fee from the borrower (RUB 500, can be paid at the MFC “My Documents”).  

4. Send a copy of the registered agreement with legible stamps / a Unified State Register of Real Estate (USRN) extract showing the encumbrance in the form of a mortgage in favor of Bank Uralsib, as well as certificates confirming fulfillment of obligations to the third-party bank, as attachments to an email to kk@uralsibbank.ru. Email subject: rate reduction_Full name of the borrower.

If there is no access to email, the documents may be submitted through a bank branch. The rate is reduced in accordance with the terms of the loan agreement.

5. Renew comprehensive mortgage insurance annually (life and disability, property) and send confirmation to the bank at kk@uralsibbank.ru.**

Email subject: insurance_Full name of the borrower.

A recommended list of partner insurance companies is available here.

Please note!

The existence of a registration entry on the mortgage in the Unified State Register of Real Estate (USRN) will not allow you to dispose of the collateral property without the bank’s consent — after repaying the loan, the encumbrance must be removed. At the MFC “My Documents”, the registration period for title, mortgage, and mortgage termination is up to 14 calendar days. 

* Some MFC “My Documents” offices require the original valuation report and copies of the first 10 pages. 

** If insurance is declined, the loan interest rate increases (see the lending terms).

List of mailing addresses:

In accordance with the terms of the loan agreement, PJSC "BANK URALSIB" hereby notifies that the electronic mortgage note and the application for issuance of the electronic mortgage note may be signed with an unqualified electronic signature or a simple electronic signature of the pledgor. Electronic registration of the mortgage note is carried out by submitting documents to Rosreestr (Federal Service for State Registration, Cadastre and Cartography) in the form of electronic documents or electronic images of documents signed with the bank's enhanced qualified electronic signature using software for electronic interaction with Rosreestr (Federal Service for State Registration, Cadastre and Cartography), subject to technical feasibility.

1. Sign the acceptance certificate with the developer after construction is completed. Within 30 business days from the date of signing the property transfer document, the developer will independently send an application to Rosreestr (Federal Service for State Registration, Cadastre and Cartography) for registration of your ownership right in electronic form.¹

2. Arrange a property insurance policy (structural elements) after registration of the ownership right in the Unified State Register of Real Estate (USRN). Recommended list of partner insurance companies.

3. Send a copy of the insurance policy, the schedule, and the payment receipt to the email address: kk@uralsibbank.ru.Email subject: Insurance_Borrower full name. Renew the insurance annually and send the completed insurance documents to the указанному адресу. If you refuse insurance or fail to register ownership on time, the interest rate will increase (see lending terms).

3. Order and obtain an electronic valuation report on the website ocenka-uralsib.ru.² Obtain the technical or cadastral passport from the developer or through the MFC "My Documents" — these will be required to prepare the valuation report. The report will be sent to Uralsib directly by the appraiser. The valuation report is valid for 6 months from the date of issue.

4. Collect the documents for registration of the electronic mortgage note within 10 business days after registration of the ownership right and preparation of the valuation report. You will need:

— copy of passport: pages 2, 3 and registration page,— Individual Insurance Account Number (SNILS)³,— number or copy of Taxpayer Identification Number (TIN),
— copy of the acceptance certificate,— electronic valuation report²,
— USRN extract (simplified version). Obtain it free of charge through Gosuslugi or at the MFC "My Documents".

Send the completed set⁴ to Uralsib by email: kk@urаIsibbanк.ruEmail subject: Borrower full name_mortgage note.

5. Wait for a call or an email from a Uralsib employee. They will contact you within 10 days and advise you on electronic registration; if necessary, they will invite you to a bank office.

You can ознакомиться with the tariffs for electronic registration of the mortgage note here.

¹  From March 1, 2025 developers are required to independently send to Rosreestr applications for state registration of ownership rights on behalf of the shared construction participant in electronic form no later than 30 business days from the date of signing the apartment acceptance certificate, unilateral certificate, or other property transfer document with the shared construction participant.                                                                                                                  The procedure for paying the state duty for registration of ownership rights must be clarified with the developer.

² Original reports ordered not through the website ocenka-uralsib.ru must be submitted to a Bank office.

³ Individual Insurance Account Number (SNILS) is not provided by military personnel

⁴ Please note that the email size must not exceed 20 MB, but you may send the documents in several emails;

¹  From March 1, 2025, developers are required to independently send to Rosreestr applications for state registration of ownership rights on behalf of the shared construction participant in electronic form no later than 30 business days from the date of signing the apartment acceptance certificate, unilateral certificate, or other property transfer document with the shared construction participant. The procedure for paying the state duty for registration of ownership rights must be clarified with the developer.

² Original reports ordered not through the website ocenka-uralsib.ru must be submitted to a bank office.

³ Individual Insurance Account Number (SNILS) is not provided by military personnel.

⁴ Please note that the email size must not exceed 20 MB, but you may send the documents in several emails.

1. When construction is completed, sign the acceptance certificate with the developer. No later than 30 (thirty) business days from the date of signing the acceptance certificate, unilateral certificate or other transfer document with the shared-equity construction participant, the developer must submit to Rosreestr (Federal Service for State Registration, Cadastre and Cartography) an application for state registration of the ownership right of the shared-equity construction participant to the real estate property in electronic form.¹

2. After registration in the Unified State Register of Real Estate (USRN) of the ownership right of the shared-equity construction participant, immediately:

·         send² an electronic extract (copy of the extract) from the USRN confirming the registration of ownership and mortgage over the real estate property in favor of the bank, to the email address:  kk@uralsibbank.ru. Email subject: encumbrance registered_Borrower Full name.

·         arrange property insurance (structural elements). The recommended list of partner insurance companies is available on the bank's website.

·         send² a scanned copy of the insurance contract (structural elements), the schedule and payment receipt to the email address: kk@uralsibbank.ru. Email subject: insurance_Borrower Full name.

Renew insurance annually and send the executed insurance documents to the указанному адресу.

Please note that in case of refusal of insurance or untimely registration of ownership, the interest rate increases (see the lending terms and conditions).

3. If you have any questions regarding the submitted documents,  a bank employee will contact you by phone or email within 10 days.

¹ From March 1, 2025, developers are required to independently submit to Rosreestr (Federal Service for State Registration, Cadastre and Cartography) applications for state registration of ownership on behalf of the shared-equity construction participant in electronic form no later than 30 business days from the date of signing the apartment acceptance certificate, unilateral certificate or other transfer document with the shared-equity construction participant.                                                                                                                  The procedure for paying the state duty for ownership registration should be clarified with the developer.

² Please note that the email size must not exceed 20 MB, but you may send the documents in several emails;