How to register an encumbrance in favor of Uralsib during refinancing?

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).

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