Preliminary decision on mortgage from Rosbank for CIAN users in 2 minutes

    11 June

Rosbank and CIAN realized a direct API integration. Now, the users of “CIAN.Mortgage” service can get a preliminary decision on mortgage from Rosbank in 2 minutes.

“CIAN.Mortgage” service allows the borrowers to execute and submit the mortgage application form in several banks simultaneously. Then, a customer receives the offers of credit organizations. A customer can choose a bank on their own terms: limit, interest rate, mortgage service level and trust to a brand.

Rosbank gives the users of “CIAN.Mortgage” a preliminary decision for several lending programs in 2 minutes thanks to the direct integration. After the choice of one of the bank offers, a personal account in “Rosbank Dom Express” is created for the customer, where the copies of necessary documents can be uploaded. All the data mentioned in the application form on CIAN website are automatically transferred into a personal account. In order to close the deal, the customer has to visit one of the mortgage centers of “Rosbank Dom” whenever it is convenient.

“The integration with CIAN is a part of Rosbank global initiative for the realization of Open Banking strategy. We offer an open API for mortgage products both for major players of real estate market, finance and fintech and new startups. Due to the joint project with CIAN, the customers now have a convenient opportunity to buy real estate on any taste from the base of a leading Russian service for real estate search with the help of a digital mortgage platform of Rosbank”, Alexey Lola, Director of Digital Retail Business Department.

“It is important to mention that the integration with Pension Fund of the Russian Federation was realized with in the personal account of the borrower in “Rosbank Dom Express” online service. By choosing Rosbank, the CIAN users won’t have to get 2-NDFL certificate and a copy of employment record book. The customers that have a verified account on Gosuslugi portal can affirm their income by the statement of account in Pension Fund online. Therefore, the time frame for the purchase of a flat was reduced on 2 weeks more”, Dmitry Kamaldynov, Director of “CIAN.Finance” Business Unit.

*In order to get a statement of account, the customers have to choose the variant of the affirmation of the income via the Pension Fund in a personal account of “Rosbank Dom Express”. Then, the message from 0919 comes to the mobile phone of the customer with 4-digit confirmation code. In order to give consent on the statement request, the customer is to send a message “Yes XXXX”, where XXXX is a confirmation code. The readymade statement is automatically saved in the database of the bank for the further execution of a mortgage.