Submission and execution of documents to the MFC

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Published: 01/02/2020

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When purchasing real estate or inheriting property, the new owner must register ownership. In 2020, Russians can do this by contacting multifunctional companies, whose branches are located in all corners of the country. Registration of ownership of an apartment at the MFC branch is simple and convenient, saving time and effort. The centers act as an intermediary, making the task easier for citizens, helping with the collection and execution of papers, and also relieving the burden on the Registration Chamber and its territorial divisions.

1 Registration of ownership of an apartment in the MFC: step-by-step instructions
2 List of documents for registration
3 Period of registration of property rights
4 Amount of state duty

Why do you need state registration of a transaction when applying for a mortgage loan?

Registration of a mortgage agreement is provided for by the Law “On Mortgage (Pledge of Real Estate)”, Article 20 of the Law, paragraph 2. An entry in the register about an encumbrance in favor of the bank limits the disposal of mortgaged housing .
The borrower cannot sell his apartment or house, pledge it to another bank, or exchange it for other real estate without the consent of the lender. In the event of his sudden death, if his life is not insured, the debt will be transferred to the heir along with the encumbrance.

Another reason for registration is an additional verification of the legal capacity and capacity of the parties to the transaction. Rosreestr checks the age of the borrower and his ability to sign contracts, as well as the real estate itself, which must be free from seizure, pledge and not be the subject of legal disputes.

What documents are needed?

The borrower will be required:

copy of the passport;
application from the mortgagee and pledgor;
receipt of payment of state duty;
a mortgage agreement and a loan agreement, the fulfillment of obligations under which is secured by a mortgage;
a report on an independent assessment of a real estate property, if there is a mortgage (you can find out how the market value of real estate is assessed);
mortgage and documents named in the mortgage as attachments;
permission from the guardianship and trusteeship authority, if the subject of the mortgage agreement is the residential premises in which children live;
notarized consent of the spouse for one of the spouses to complete a transaction.

The mortgage agreement is presented in at least two original copies, one of which is returned to the copyright holder after the completion of the procedure. The documents specified in the annex to the contract must also be submitted to Rosreestr .

Applications from the borrower and the bank are submitted in one copy. When submitting documents, you must have copies of all listed documents with you.

Suspension of the procedure at the request of one of the parties to the transaction is not allowed.

Filling out an application

The application form for registering a mortgage can be downloaded from the Rosreestr website. The application is submitted in paper or electronic form (if it is signed with an electronic signature).

Main points of the statement:

information about the mortgaged property;
transaction amount and value of secured obligations;
terms of the mortgage and other terms of the contract;
list of attachments to the application.

The application will need to state a request to register a restriction (encumbrance) on the mortgagor’s right in the form of a mortgage.

For example, the wording may sound like this : a request to register the mortgage of an apartment at the address: Novy Arbat, 14, with cadastral number 456660000000, in connection with the conclusion of loan agreement No. 5678 on the basis of purchase and sale agreement No. 234567 and issue a certificate (name and details of the document) on state registration. The application is signed personally by the borrower.

Algorithm of actions

In Rosreestr

Collect the necessary package of documents (you can find out what documents the borrower must bring for state registration of the mortgage, as well as what package of papers and certificates are required to obtain bank approval, here).
Fill out the application form and pay the state fee.
Submit documents to the nearest branch of Rosreestr.
Receive a registered contract within 5-14 days. If an application to Rosreestr is submitted by a notary (if the contract is notarized), then the borrower may not take part in the procedure at all - everything will be done independently and in a short time - up to 5 days.

Duration of the procedure

The answer to the question of how many days it takes to register a mortgage loan in Rosreestr is simple - from 5 to 12 working days, depending on the situation. If the loan was issued for a house with a plot of land, the procedure period will be 14 days. And for commercial real estate mortgages up to 1 month.

However, if documents are submitted through the MFC, then a minimum of 2-3 days can be added to these deadlines , so the total period for state registration will be a maximum of 15 days. The procedure can be suspended for no more than a month if there are compelling reasons, for example, an incomplete list of documents or a non-compliance of the mortgage agreement with the requirements.

Do I need to pay to receive services at the MFC?

A visit to the MFC is a service that does not require the payment of any financial resources, unless this is provided for by law.

In cases where a multifunctional center specialist demands payment for the provision of services for the preparation of a particular document, this is considered a violation of the law and is subject to punishment.

Free services

MFCs provide the following types of services free of charge:

informing clients on issues of interest;
submitting applications to obtain the necessary documents;
documents receiving;
receiving municipal services;
obtaining tax certificates;
extracts from Rosreestr;
certificates from the Pension Fund;
extracts from bailiffs;
obtaining a birth or death certificate.

Note! Almost all types of services are absolutely free and can be obtained on a first-come, first-served basis after providing the necessary types of documentation.

Paid services

When contacting MFC organizations, you must pay a fee for the following situations:

if obtaining documents requires payment of a state fee;
for cases where the document received requires payment according to legislative procedures;
if necessary, get the service urgently. Most often, obtaining the required service can take from 2 weeks to 1 month, depending on the complexity of the procedure;
printing photographs on documents.

Let's celebrate! Also, a fee is charged for the provision of services that require the mandatory payment of funds, without which the documentation will not be accepted by other authorities. Payment is made only through the cash register; many MFCs provide bank tellers for the convenience of making payments.

Amount of state duty for individuals and payment procedure

The cost of the fee for registering a transaction between individuals will be 1,000 rubles, and between companies – 4,000 rubles.

If the agreement is concluded by the bank and the borrower - 1000 rubles, of which the receipt of an individual is 500 rubles, and the payment order of a legal entity is 500 rubles.

Who should pay the state fee? It can be paid jointly by the bank and the borrower, but most often these costs fall on the shoulders of the client. You can make the payment at any bank branch or terminal .

Where is the process more convenient?

If the mortgage agreement was certified by a notary, then he can undertake its registration. This is the easiest way to complete the procedure and takes a maximum of 5 days, but will require additional payment.

The second way is to contact the MFC, which has more branches than Rosreestr and therefore does not have to stand in line. The average procedure time is from 5 to 15 days.

After completion of the mortgage agreement, an inscription will appear containing the following information::

mortgage registration number;
place and date of registration;
name of the registering authority.

The mortgage must be registered with Rosreestr . To do this, a joint application is submitted from the bank and the borrower, as well as a package of necessary documents. You will also need to pay a state fee of 1 thousand rubles.

If you find an error, please select a piece of text and press Ctrl+Enter.

A large number of transactions in Rosreestr involve registration of a mortgage agreement.

Since January 2020, the deadlines for registering contracts have changed.

Why you need to register a mortgage agreement and how to do it yourself - find out from the article.

Registration of property rights in the MFC: step-by-step instructions

Start collecting the necessary documents. Variations depend on the type of property.
Make an appointment or go to the nearest MFC branch and take an electronic queue coupon.
Together with your employee, fill out an application for state cadastral registration of real estate.
Pay the state fee at the MFC using the terminal.
The specialist will issue a receipt confirming the acceptance of documents, using the number of which you can track the result of the application.

What documents are needed to register ownership of an apartment?

Application for registration ()
Original passport of the applicant if the person is under 14 years old - birth certificate
Receipt - check for payment of state duty (payable on the spot)
Grounds for starting the procedure (sale and purchase agreements, inheritance, donations, etc.)

If on your first visit to the center the package of documents is not complete, do not worry; you have the right to submit them separately.

Read also: Subsidies through State Services

Amount of state duty in 2020

In 2017-2018, when registering rights to real estate, individuals must pay a state fee in the amount of:

For an apartment (house, dacha, estate, estate) - 2,000 rubles.
A plot of land next to a residential building (share) - 100 rubles, land for farmland - 50 rubles, land for further construction of buildings on it - 350 rubles.
Non-residential premises (office, warehouse, etc.) - 2,000 rub.
Garage space - 500 rub.
Re-issuance of an extract from the Unified State Register (USR) - 350 rubles

If you are entering into an inheritance, be prepared to separately pay 0.3% of the cadastral value of the property, but not more than 100 thousand rubles for close relatives, or 0.6% for third parties, not more than 1 million rubles.

Legal entities and organizations:

Apartment (house, dacha, estate, estate) - 22 thousand rubles
Land - 15 thousand rubles
Industrial and non-residential premises - 22 thousand rubles
Duplicate USRN (USRE) - 1 thousand rubles

What documents will be needed?

To register a mortgage, you will have to provide a whole list of documents to Rosreestr:

Statement from the pledgor and the pledgee.
A loan agreement, the execution of which is secured by a mortgage.
Passports or power of attorney of a representative (if registration is made by power of attorney).
Mortgage (if any)
The agreement from which a mortgage arises by operation of law, with all appendices thereto.

If a mortgage is registered by force of law , which must be carried out simultaneously with the registration of property rights, then the general package of documents will also include the documents necessary for registering the property. Their specific list will depend on the characteristics of the property being purchased.

If a mortgage is registered as part of a renovation program in the city of Moscow, then registration can be carried out without an application. The basis for registration itself will be an agreement providing for the transfer of ownership.

Registration of real estate received by inheritance

Let's look at one of the most common situations, namely the case of registering living space that was inherited.

Currently there are several types of inheritance:

according to a will drawn up in advance;
according to the current legislative order.

In both cases, the basic document that will testify to your rights is a certificate of the right to inheritance, drawn up in a notary’s office.

To obtain such a document, you must contact a notary no later than six months after the death of the testator.

Read also: Get a certificate for a large family (mother of many children)

After the notary has studied all the details of the case, and when he can make sure that there are no other heirs, a Certificate will be issued after six months from the date of death of the testator.

Documents for registering property rights by inheritance

After you have entered into the right of inheritance of an apartment, house, etc., you must visit the MFC in order to formalize them; the package of documents required for this is slightly different.

Statement
Your civil passport (heir)
Certificate confirming the right to inheritance
Cadastral, technical passport
Receipt for payment of state duty.

Remember! Without proper registration, no actions will be available with this residential area (purchase, sale, donation, etc.)

The list of documentation that you will need may be unified depending on the type of real estate (check with a specialist).

What state duty will you have to pay?

When registering a mortgage “by virtue of law,” both registration and withdrawal of the mortgage are free of charge.

For a mortgage by virtue of an agreement, the state duty will be:

For individuals: 1,000 rubles;
For legal entities: 4,000 rubles;
Agreement between individuals and legal entities – 1,000 rubles.

Since the mortgage by law must be registered simultaneously with the right of ownership, you will have to pay a state fee for registering the transaction itself . The amount of such state duty varies:

If the purchase of real estate is registered under an agreement of shared participation in a new building, then you will have to pay 350 rubles to individuals and 6,000 to legal entities.
If an individual buys from a legal entity, then the amount of payment is divided by half (the division is made according to the number of participants in the transaction). Thus, an individual will pay 175 rubles, and a legal entity will pay 3,000 rubles.

How many days does it take for registration?

Since 2020, the time frame for registering all transactions has been significantly reduced. The following registration deadlines are currently in effect:

Five (5) working days from the date of acceptance of the application, if the documents are submitted directly to Rosreestr.
Seven (7) working days if documents were submitted through the MFC, since two days are added for delivery by courier.
Three days (3), if the transaction documents were executed through a notary. If such documents are submitted electronically, the registration period will be one day.
It will take three (3) business days to remove the mortgage.

Please note that if you register through a notary , then regardless of the purchase procedure - through a mortgage or without it, the registration period will be:

Three (3) days in Rosreestr
Five (5) days via MFC

If any documents are missing, or any discrepancy with the law is found in the documents, the registrar may suspend the transaction for up to 30 days.

If the suspension occurs at the initiative of the seller or buyer, the transaction may be suspended for up to 6 months. Registration will continue immediately after receiving the missing documents.

How to register a child in an apartment through the MFC

It is also possible to obtain registration for children under 14 years of age without going to the passport office. First, prepare the following papers:

application for registration of an infant;
original and copy of the child’s birth certificate;
originals and copies of parents’ identification documents;
adoption document (if present);
an extract of a personal card of the parent with whom the child will be registered;
mother's consent if the child is registered at the father's place of registration.

This is interesting: What is the fine for registering on time?

All you have to do is go to the MFC with the necessary papers and the procedure will be completed within 7 working days.

Procedure for registering an agreement through the MFC

The first step is to make an appointment, and you can do this:

through the government services website,
through the MFC website,
make an appointment by phone,
take the coupon directly to the MFC.

At the appointed time, you just need to come to registration with all the documents.

Upon admission, a list of documents will be issued, which will indicate the date of receipt of the completed documents. The registration process can be tracked on the Rosreestr website.

Why is it convenient to receive MFC services?

Such centers have many advantages over departments that specialize in only one type of document issuance (for example, passport offices specialize in registration or discharge from an apartment, the status of citizens’ personal accounts).

These advantages make people's lives much easier, allowing them to avoid spending a lot of effort and energy on paperwork. Here are the main ones:

The centers work with a reduced package of documents.
Clients do not interact with officials, which eliminates corruption.
To get to the consultant, you just need to select the location of the branch, and then check whether there is a preliminary appointment. If this is possible, please make an appointment for any day and time that is convenient for you. Some branches do not have this service. Thus, you need to come to the center and take a queue ticket online from an employee.
The “one-window” principle is implemented: work from start to finish is carried out with one consultant and in one place, without a large number of offices.

Using an online service or help desk, find out in advance about the necessary information and certificates needed to complete the paperwork.

This is interesting: Is it possible to get a job without registration in another city?

Features of preschool with a mortgage

Registration of an equity participation agreement with a mortgage has its own characteristics. Since the shareholder is purchasing a property that has not yet been built, registration of the agreement insures him against double sales of the apartment and gives him the right to demand a penalty in case of delay in delivery of the apartment.

When purchasing an apartment under the DDU, the bank's lawyers carefully check the documents for the new building, since the apartment will be the subject of collateral.

When registering a DDU, documents from the developer will be required: an agreement with all annexes, plans of the house and apartment for sale, a project declaration, etc.

If the first residential building in a house is registered, then the developer provides all documents for the house.

This is permitting documentation (project declaration, building permit, documents for a land plot), house plan, documents (constituent) of the legal entity itself, documents on liability insurance of the developer himself and many other documents, depending on the characteristics of the developer himself.

Of course, it will be necessary to provide a share participation agreement with all available attachments, as well as a loan agreement in two copies.

The buyer may be required to provide additional documents:

If the transaction is registered through Rosreestr, then provide two copies of the loan agreement;
Notarized consent to purchase from the spouse;
If the purchase is made for a child, then his birth certificate;
It is advisable to attach a receipt for payment of the state fee, although it is not on the list of required documents, since if information about payment does not reach the registrar, then registration will not be carried out.

It should be noted that if the developer seriously violates the terms of the contract - serious delay in construction, poor quality of work, the DDU agreement can be terminated by agreement of the parties or by a court decision.

List of documents for registration

If you purchased housing on the secondary market, to register it at the MFC you must provide a standard list of documents:

statement;
identity card of the owner and co-owners;
a document confirming the fact of acquisition of the right, namely a purchase agreement (as an option, a deed of gift, a will, a privatization agreement, etc.);
certificate of registered residents;
technical documentation for the facility;
cadastral passport;
check for payment of state duty using the details provided.

Read also: How to get a social card for the Moscow region

Depending on the circumstances and conditions for acquiring ownership rights, the standard package of documents may be supplemented.

If the apartment was purchased in a new building , you will need a housing transfer certificate from the developer or an agreement for participation in shared construction, as well as papers confirming the commissioning of the house. If you receive property by inheritance , you will need a will or a certificate of inheritance from a notary. When purchasing an apartment using credit funds , during the registration process you will need to submit a written permission from the mortgagee, i.e. the bank that provided the mortgage.

The list provided is general. You can clarify the list of documents in your case on the Rosreestr website. Select the object of registration, the type of operation and specify the information, after which an accurate list of documents will be generated .