The share of digital mortgages has exceeded 96%.

      July 25, 2025, 18:40

      [243]

      Society

      The share of digital mortgages in 2025 has increased by more than a third compared to the previous half-year and exceeded 96% of all loans issued since the beginning of the year, reports DOM.RF Bank. Under this format, all stages of the transaction—from application submission to registration of the property in the Unified State Real Estate Registry—are conducted online. Digital mortgages have been used by 7,300 families, with the total loan volume amounting to approximately 47 billion rubles.

      "Digitalization allows us to minimize human intervention, increase productivity, reduce costs, and provides customers with convenient service and seamless, quick processing. In 47 regions, the share of digital mortgages is 100%—from Arctic and Far Eastern territories to Siberia, the Volga region, and Central Russia," emphasized Alexey Kosiakov, Deputy Chairman of the Management Board of DOM.RF Bank.

      Among regions with absolute digital mortgage figures are Khabarovsk Krai, Kamchatka Krai, Zabaykalsky Krai, Sakhalin, the Republics of Yakutia, Buryatia, Altai, Tuvа, Khakassia, Khanty-Mansi Autonomous Okrug, Yamalo-Nenets Autonomous Okrug, Adygea, Mordovia, Chuvashia, Mari El, Ulyanovsk Region, Saratov Region, Kirov Region, Novgorod Region, Vologda Region, Arkhangelsk Region, Murmansk Region, Pskov Region, Tomsk Region, Omsk Region, Kemerovo Region, Kurgan Region, Vladimir Region, Ivanovo Region, Kaluga Region, Kostroma Region, Lipetsk Region, Oryol Region, Ryazan Region, Smolensk Region, Tambov Region, Tula Region, Volgograd Region, Astrakhan Region, and others.

      "Today, there are several tools allowing real estate transactions to be conducted remotely. These include online loan applications via QR code using the digital profile of Gosuslugi, account opening via biometrics, signing documents with the free electronic signature 'Goskey,' online registration in the Rosreestr, and much more. Additionally, innovative solutions are used to speed up transactions, for example, artificial intelligence for recognizing shared participation agreements, which streamlines the process of preparing mortgage documentation," said Nikolay Kozak, Deputy Chairman of the Management Board of DOM.RF Bank.

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