New building. How to register ownership and the mortgage note simply and quickly?

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.