Validity of accreditation at the Sberbank Ast. Receipt of finished documents

When applying for any secured loan, the client must go through the procedure for assessing the pledged property. In particular, this applies to mortgage loans, since the acquired apartment must be evaluated by experts. Appraisal companies accredited by Sberbank allow you to speed up the process of processing a transaction, as they are partners financial institution. In the case of contacting other organizations, the client risks not only receiving poor-quality services, but also delaying the procedure for obtaining a loan due to the need to coordinate each action with the bank.

Why do you need a real estate appraisal

A process such as evaluation immovable objects, is mandatory when considering an application for a mortgage to Sberbank and other financial institutions. It is needed for employees of appraisal companies to determine the amount that is needed to purchase an object. Information about market value mortgaged property allows Sberbank and any other financial institution to insure against possible default by the borrower of its obligations to pay the debt. In this case, the bank will be able to sell housing and return the funds issued to the client.

The entire procedure for setting the value of a real estate object is paid by the client. A potential borrower can apply to any organization that has the appropriate license. However appraisal companies, accredited by Sberbank in the Moscow region (or another region, depending on the client's geographical location) can significantly speed up the process.

Cooperation of Sberbank with appraisal companies

The procedure for assessing a real estate object involves the participation of three parties:

potential borrower;
appraiser;
jar.

As a result, the borrower receives the necessary amount to buy an apartment, and the financial institution can be sure that the appraiser has determined the cost of the apartment, taking into account all the nuances.

It is worth noting that it is very important to choose exactly accredited appraisal companies, because any inaccuracy in the submitted report may lead to a refusal to provide a mortgage loan. Sberbank partners know the requirements of a financial institution and can prepare accounting documents correctly, which will save the potential borrower time.

Why a real estate appraisal may be required, and why a bank needs it

The process of real estate appraisal in each bank has its own nuances. For example, PJSC Sberbank Russia does not accept reports from all appraisers. It is important to take this point into account in advance and select a company that will carry out the assessment from the list of bank partners. If the borrower is categorically determined to use the services third party organization, then he should be prepared for the fact that the process can drag on for a long time.

By law, banks do not have the right not to accept a report from appraisers who have not been accredited, but they may refuse a loan to an applicant due to inaccuracies in documents and for other reasons. At the same time, the potential borrower will not be able to return the money for the services of the appraiser company.

How appraisers are accredited

In accordance with the current legislation of the Russian Federation, appraisers are self-regulatory organizations that have insured their activities in full compliance with the current rules. Appraisers have the right to work independently, under contracts or to conduct private practice.

In order to be able to engage in valuation activities in Russia, the following requirements must be met:

officially be a member of the SRO ( self-regulatory organization);
have a liability insurance policy for appraisal activities;
attend continuing education courses regularly (every three years).

In addition, an employee of an appraisal company must strictly comply with the standards and rules of procedure reflected in Federal Law No. 135 and the SRO regulations. The companies that the potential borrower uses are obliged to ensure the safety of the real estate papers received from the client. Disclosure is prohibited confidential information, which appraisers receive in the course of work.

PJSC Sberbank of Russia puts forward a number of additional requirements for appraisal companies. If the organization does not comply with the conditions, then it will not be able to get into the list of appraisers accredited by the bank.

The accreditation procedure at Sberbank differs, depending on what objects a particular appraisal organization plans to deal with. Some companies evaluate entire real estate complexes, others specialize in working with individuals, evaluating apartments, houses, and more.

Cooperating with legal persons

PJSC Sberbank of Russia puts forward the following requirements for appraisers who specialize in working with legal entities. To be accredited as a financial institution, a company must:

Operate for at least 10 years in the Russian market.
Have at least 5 qualified specialists on staff.
Have an average revenue of 30 million rubles for the last 3 years of work.
At the time of consideration by the bank of the organization, the company must evaluate more than 50 large-scale real estate objects.
The procedure for assessing commercial facilities by a company should be carried out by several employees (at least 10 qualified specialists).
The liability of the appraisal organization must be insured in the amount of at least 200 million rubles.

In addition to the fact that the appraiser must meet all the criteria from the list presented, there is another important condition of Sberbank. They cannot participate in the evaluation of companies whose interests are in any way in conflict with the interests of the management of a financial institution.

Working with individuals

If accreditation is needed for an appraisal company that works with private clients, then Sberbank will have the following requirements for it:

Existence on the market for at least three years.
Organizational liability insurance in the amount of at least 100 thousand rubles.
A staff of at least 2 qualified specialists with at least three years of experience.
Impeccable reputation (lack of negative reviews about company).
Absence of conflicts of interest of the company's employees with the management of PJSC Sberbank of Russia.

The requirements of this financial institution for appraisal companies are quite strict. However, it is impossible to say that the bank goes too far, because it risks, first of all, its own money. Incorrect real estate appraisal can lead to serious financial losses of the lender in the event of force majeure.

Real estate appraisal procedure

To start the process, a potential borrower must provide the appraiser with a complete package of documents on the object:

certificate;
cadastral passport;
an acceptance certificate;
contract of sale, donation, equity participation or annuities/inheritance documents;
floor plan.

In addition, the client provides its own data. Additional paperwork may also be required, depending on the specific case and category of the potential borrower.

In 2017, the assessment of a real estate object will cost customers 2.5-6 thousand rubles. The specific figure depends on the territorial location of the apartment and the rates of appraisal companies. The procedure takes no more than three working days.

After the assessment, the company submits a report to the bank. It reflects all information about the footage of the premises, the sanitary condition, the presence of balconies, communications, the compliance of the layout with the plan from the BTI, defects, the infrastructure of the area, the remoteness of the house from the metro, and so on. The report contains all the data that can affect the cost of a residential or commercial facility.

List of appraisers in Moscow

Currently the largest domestic bank cooperates with many appraisal companies in Russia. Their total number is more than 400 organizations. Sberbank rates partners based on the quality of their joint work. Currently, the most reliable and effective, based on the bank's rating, are the following accredited appraisers:

LLC Russian Assessment Service;
OOO Trade and Industrial Company PSV;
BK-Arcadia;
IP Chumakova Larisa Evgenievna;
CJSC Deloitte and Touche CIS;
OJSC Alfa-profit and others.

First of all, you need to choose an appraisal company based on location. For example, residents of the Russian capital can contact one of the following organizations:

GK Alma Consult;
EsArGee LLC - Mortgage Center;
NEO Center;
OOO Auction;
OOO Rover GROUP;
CJSC ROSEKO.

Authorized companies in the regions of the Russian Federation

This financial institution is the largest in the territory of the Russian Federation and has a wide network of branches both in Russia and abroad. In all regions there are branches of the bank's main office, which also cooperate with local appraisers. You should choose a company whose services you can use, taking into account which regional division the branch of the appeal belongs to.

Far Eastern Bank

For example, the Far Eastern Bank (Khabarovsk Territory, Sakhalin Region, Amur Region, Primorsky Territory, Jewish Autonomous Region, etc.) accredited the following appraisal companies:

EPG Menshov and Partners;
RIMSCO Expert - Consulting;
City Assessment Center
IP Tarasenko Alexey Georgievich;
IP Krivets Valeria Viktorovna, etc.

West Siberian division

Residents of KhMAO, YNAO, Tyumen and Omsk regions can contact any appraiser who is a partner of the West Siberian division of the head office of Sberbank:

Regional Assessment Center;
CJSC GORSI Capital;
ALCO Association;
CJSC InvestAudit;
GYUTSN Etalon and others.

West Ural branch

If a potential borrower applies to the West Ural branch (regions: the Republic of Udmurtia, Komi, Perm Territory), then to assess the acquired real estate, he can use the services of one of the following organizations accredited by Sberbank:

Appraisal office;
Capital appraisal;
Perm Assessment Center;
Inkom-Expert;
Northern Chamber of Real Estate Appraisal and Expertise;
IP Kesler Anastasia Valerievna;
Agency Continental.

Volga division

Branches of a financial institution related to the Volga division of Sberbank (these include all bank branches located in the Orenburg, Astrakhan, Saratov, Volgograd, Penza, Ulyanovsk, Samara regions) cooperate with the following appraisal companies:

Arta Assessment and Consulting Center;
OOO Experts;
Institute of Evaluation and Management;
Info-Center Audit;
Sura-Service;
EXO CCI-ULYANOVSK;
Regional Agency for Assessment Planning and Consulting;
IP Kondyurin Nikolai Viktorovich;
AVANTAGE;
IP Rukomin Mikhail Vladimirovich.

north bank

The Northern Bank (it includes the Nenets Autonomous Okrug, Arkhangelsk, Yaroslavl, Kostroma, Ivanovo, Vologda regions) cooperates with the following appraisal companies:

Adalin-property expertise;
Firm Weight;
IP Kantsyrev Ruslan Alexandrovich;
Respect;
Yar-Assessment;
Universal-Service Plus.

Northwest Head Office

When applying to a subdivision related to the North-Western head office of Sberbank (St. Petersburg, L / O, Kaliningrad, Murmansk, Novgorod, Pskov regions, Republic of Karelia), borrowers can use the services of the following accredited appraisers:

NPV Apryce;
IP Duntsov Andrey Olegovich;
SF Score;
Management Company MASTER;
Ecocenter and others.

Siberian division

Subdivisions of PJSC Sberbank of Russia related to the Siberian division (located in the regions of the Republic of Tyva, Khakassia, Altai, Novosibirsk, Kemerovo, Tomsk regions, Krasnoyarsk and Altai region), cooperate with the following accredited appraisal companies:

Belazor;
Century A score;
KIT-base;
Estima;
Center Independent expert support;
Finance Business Consulting;
Innovation;
Advisor;
Your consultant.

Central Russian division

The Central Russian division of Sberbank cooperates with accredited appraisers from the list below. Regions: Tula, Tver, Moscow, Smolensk, Bryansk, Ryazan, Kaluga regions.

List of companies:

Vectra-Expert;
Invest Project;
OOO NEP;
Invest Project;
Alliance Capital;
Proskurin & Co and others.

Ural office

If a we are talking about such regions as the Republic of Bashkortostan, Sverdlovsk, Kurgan, Chelyabinsk regions, they refer to the central Ural office. In this case, you can contact one of the following accredited appraisers:

Regional Center of Expertise;
Agency Vita-Garant;
Rebus;
Expert-Com;
Business Assessment and Support Center;
CJSC Expert-Otsenka;
IP Shcherbakov Vadim Anatolievich.

Central Black Earth Head Office

The Central Chernozem head office of this financial institution controls the divisions of Sberbank in the Lipetsk, Tambov, Oryol, Belgorod, Voronezh, Kursk regions. Residents of the regions represented can contact one of the following accredited appraisers:

Trade and Industrial Company PSV;
Bureau of Evaluation capital assets;
Dividend;
IP Matveev Alexander Mikhailovich;
Expert-Chernozemye and others.

Southwest division

To the Southwestern division of the largest Russian bank include the following regions of the country: the Republic of Dagestan, North Ossetia-Alania, Stavropol region, Adygea, Ingushetia, Chechen Republic, Krasnodar Territory, Rostov region, Kabardino-Balkarian Republic, Republic of Kalmykia, Karachay-Cherkess Republic.

Residents of these regions can apply to one of the following appraisal companies:

AJAX-Realt;
IP Shkarinov Sergey Nikolaevich;
VEAKON-ArsGor;
MEMPHIS;
Beta consulting;
Center for Economic and Legal Expertise;
IP Khidirova Izabela Ruslanovna;
Southern Regional Assessment Center-VEAKON.

Conclusion

Any secured loan requires an appraisal of the collateral. As a rule, this applies to mortgage lending. When applying for a mortgage in the largest Russian bank, it is worth contacting appraisal companies accredited by Sberbank. Currently, their number is several hundred in different regions of the country and is constantly increasing. Using the services of partners of PJSC Sberbank of Russia, the client can be sure that the procedure will be carried out with high quality, and there will be no errors in the report, which will ensure quick loan processing.

The Automated Trading System (AST) is designed to participate in trading in electronic form. To use the capabilities of the service, accreditation at the Sberbank AST site is required.

AST is designed to conduct electronic trading in the field of public procurement

Before being accredited for Sberbank AST, the client will need to complete the following steps:

Get a verification key for an electronic signature. Today, this can be done at Sberkey LLC and other authorized CAs.
Submit documents for verification. Execute through partners automated system bidding or independently through the tools of the service.
Go through the legal entity compliance procedure.
Participate in auctions.

Three easy steps to start bidding on the service

The procedure for participation in the auction is carried out on the basis of the relevant law. The client needs to submit an application for one of the samples, according to his type, provide scanned documents and wait for approval. The review process does not exceed 5 days, as established by law. The term of the accreditation itself is 3 years. After it has passed, it is permissible to re-pass the procedure for an extension.

Application for a private person - instructions for filling out

The instruction implies the submission of an application from one of the persons:

Legal enterprises, organizations operating within the borders of the Russian Federation.
Individual entrepreneurs.
Private persons.
Foreign organizations.
Foreign individuals.

For a private client, the procedure takes place when obligatory filling sections of the application:

Contacts: e-mail address, phone number, incl. additional.
Residence address.
Banking data: account number, BIC, personal account, name, address of the bank.
Personal data.
Username, password, password to enter the system.

Recommended workplace requirements for correct site operation

After entering the information, you will need to attach scanned copies of all documentation. It is necessary to perform a clear, readable scan with the appropriate extension. If one instance consists of several sheets, they should be archived into one. At the end of the application there are buttons that allow you to download the documentation. It should only be placed in paragraphs that are appropriately titled.

Tax registration certificate (TIN code).
Passport: all pages.
In the absence of a passport, a residence permit.

Nuances of filing an application for legal entities persons

Registration procedure legal entity takes place in a similar manner. Sections regarding the company have been added to the application: name, organizational form, legal address. The data of the employee acting as the contact and authorized person is also indicated.

All public procurements are regulated by Federal Law No. 44

Documents for registration of a legal entity on the site

List for legal entities faces are much wider:

Extract from the register of legal entities. The period of issuance should not exceed six months before the date of application.
Constituent papers: Charter, Memorandum of Association.
Documents certifying the right of the person specified in the application to conduct transactions. These can be copies of the minutes of the general meeting, powers of attorney on behalf of the general director, etc.
Documents giving the right to orders: decree, protocol, decision of the meeting on appointment.
Decision-making principles. With a large amount - the decision of the board of directors, the board of shareholders, the relevant body of the enterprise. In case of a small transaction, the decision is made authorized representative on one's own. The transaction amount limit must be set in the application.

Step-by-step instructions for accreditation at the Sberbank AST electronic auction

Accreditation Opportunities

The platform enables its members to access such services

There is no accelerated registration procedure for further participation in the auction. This service provide certain companies that operate on this principle:

The client prepares all scanned copies according to the list.
Submits the documentation and complete information required to complete the application.
The company representative receives electronic signature-key, sends an application and documents, prepares an agreement for large transactions.
The client receives a notification to the mailbox about the need to log in.
You need to follow the link and put an electronic signature.

The procedure takes about 4 hours, but in any case, no more than 1 day. If the client has already downloaded all the scanned copies and submitted an application, but does not receive a response, intermediaries are also ready to help. In this case, the emergency procedure is different. The client gives the intermediary a password to enter the system, where he analyzes the downloaded documentation. If necessary, requests additional paperwork and corrects the situation.

Such services cost about 10 thousand rubles. Whether to turn to them for help, everyone decides on their own based on their capabilities and desires. You can use the step-by-step instructions and video tutorial located directly on the site, since this is not a very complicated operation.

Video - instructions for accreditation for Sberbank AST

For more information on how to get registered for an electronic auction to participate in the auction, see the step-by-step video instruction.

Conclusion

The electronic marketplace allows companies and entrepreneurs to access the participation of various trading operations for the purchase and sale of goods, services and various business objects. This significantly reduces procurement costs, and is an effective tool for generating profits.

For many Russian families, the only option to improve their living conditions is clearance mortgage loan. The vast majority of loans for the purchase of a house / apartment are in Sberbank. This largest financial and credit institution is distinguished by a wide variety of mortgage programs issued on preferential terms.

A mortgage is a long-term loan and is issued at obligatory fulfillment some conditions. One of which is insurance of a residential property purchased on credit. After all, mortgage real estate remains with the bank as a pledge, and insurance can significantly reduce possible risks for non-fulfillment of mortgage obligations. For exact definition insurance prices and the final cost of the loan and are used by accredited appraisers of Sberbank.

When applying for a mortgage loan, it is advisable to use the services of appraisers accredited by Sberbank

What is the job of real estate appraisers?

Sberbank appraisal companies are experienced experts working in the real estate market. Their main task is an objective analysis of mortgage housing, taking into account the characteristics existing market in order to determine the value of collateral property . Based on the results of their assessments, a report is generated, which is submitted to the credit institution.

When considering a residential property, appraisers also take into account a number of nuances that affect the final analysis. In particular:

infrastructure;
floor space;
existing communications;
wall material.

The work of appraisal companies is to establish the objective value of real estate purchased under a mortgage after a thorough analysis.

The main advantage of this procedure is the concomitant identification of all shortcomings and malfunctions in mortgage housing. Appraisers also give a forecast further exploitation property. In general, the results of the work of the evaluators are used in the following:

Drawing up a marriage contract (to describe specific conditions).
Identification of the exact value of the object during inheritance, as well as the division of property.
Assistance in resolving property disputes (submitted at the request of the court).
Determining the amount insurance policy based market price the object being examined.
Setting the cost mortgage lending(when purchasing a house or apartment).

Also, with the help of the assessment, the process of selling real estate is facilitated.. Indeed, in the received act of appraisers, all the identified shortcomings are indicated, correcting which, it is possible to significantly increase the value of the property. The forecast of further operation, which is also indicated in the act, is also taken into account.

How appraisal companies work

Why is accreditation needed and what does it provide?

Only those organizations that have a license and have successfully passed accreditation in the bank are allowed to carry out work on the assessment of mortgage property. Accredited appraisers are of a higher standard and are considered the most experienced in the industry.

If you turn to non-accredited companies and carry out appraisal work with their help, then Sberbank may reject the result according to the assessment received.

Large financial and credit organizations are suspicious of unfamiliar experts. There are frequent cases when borrowers, in order to reduce appraised value housing for a lower insurance and loan payment, deliberately ordered an appraisal of a property with an already predetermined, favorable price for themselves. Such actions are unauthorized and are fraudulent.

Other nuances speak in favor of cooperation with accredited commissions. In particular:

When resolving housing disputes in judicial order, the analysis of an accredited expert is taken into account.
An accredited expert is fully responsible for his work and will be required by law to compensate for possible losses incurred during the sale of real estate in case of an incorrect assessment. This is regulated by the law "On valuation activities in the Russian Federation" (Article No. 24.6).
When a large debt appeared and the bank tried to sell mortgaged housing, it turned out that the selling price of the object was different and had significant differences from that indicated in the report. As a result, the borrower, in addition to outstanding debt obligations, also lost real estate.

Therefore, for all mortgage borrowers, it is better to use a list of appraisal companies accredited by Sberbank in order to insure yourself against possible unpleasant consequences. These companies will carry out all the necessary work in the shortest possible time in full compliance with established requirements.

Main goals of evaluators

How is the selection of a real estate company for accreditation in Sberbank

All accredited appraisers cooperating with the largest Russian financial and credit organization are independent. That is, by individual companies / organizations that are not directly related to Sberbank, but have been accredited by the bank. What does it mean that this appraisal company has successfully passed all the checks banking structure and is included in the list of approved and recommended.

Conditions to be met

All requirements and a list of rules set by the bank for appraisal companies in order to obtain accreditation are detailed on the official portal of PJSC Sberbank. From the entire list, the following can be distinguished, the most important for potential partners of the bank:

The presence of at least two specialists in the company's staff.
Activities on regional market independent assessment: from 3 years.
Work experience directly as an appraiser (in the specialty): from 3 years. The seniority is confirmed by records in the labor. It is obligatory to have an SRO certificate, an insurance policy civil liability in the amount of 3 million rubles. and the absence of any breaches of financial obligations.

Accreditation procedure

If the appraisal company fully satisfies all the requests of Sberbank, then this organization receives official accreditation and has the right to fulfill orders ordered by the borrower appraisal services. At the same time, the bank does not issue papers - only the usual notification from Sberbank about passing accreditation occurs. This company is included in the list of accredited organizations and is advised to Sber's clients for independent assessments mortgage real estate.

Sberbank constantly conducts accreditation and lists new verified appraisers

Real estate appraisal by Sberbank mortgage: list of organizations

Appraisal companies accredited by Sberbank successfully operate in all regions of the Russian Federation, where Sberbank divisions are located.

We can note the following, the largest organizations working in this area (working in Moscow and St. Petersburg):

Organization	Length of service (since what year has he been working)	The cost of apartment appraisal services (in rubles)	Price for work on the evaluation of cottages / houses (in rubles)
OOO "Assessment and Law"	since 2000	from 6 000	from 15 000
BP-Group LLC	since 2008	from 4 900	from 9 900
LLC "Real-Audit-Consulting"	since 2007	from 3 500	from 6 000
OOO "Intelis"	since 2005	from 4 500	from 8 000
ARIN LLC	since 2006	from 3 500	from 12 000
Bureau of Evaluation/Expertise LLC	since 2003	from 3 000	from 7 000
Lair LLC	since 1997	from 5 000	from 10 000

Also in the lists of the best appraisers are organizations such as:

"Safety" (Moscow);
"ROMOL" (Murmansk);
"Alprizer" (Moscow);
"Sura-Service" (Penza);
"Assessment" (Kaliningrad);
Belazor (Novosibirsk);
"Expert Assessment" (Moscow);
Expert Consulting (Sochi);
Enterprise-Audit (Moscow);
"Expert-Assessment" (Ulan-Ude);
Business Valuation Bureau (Moscow);
"Agency Bekar" (St. Petersburg);
"House of Assessment and Expertise" (Chelyabinsk);
Center for Independent Evaluation (Tolyatti);
"Business Consultant" (Veliky Novgorod);
"Diversified business center" (Ulyanovsk);
"Evaluation Institute financial activities and property” (Tomsk).

FROM complete list verified appraisers can be found on the official portal of Sberbank

Does the bank work with non-accredited real estate appraisers

If, if the borrower wants to evaluate mortgage real estate with the help of a company not accredited by Sberbank, the mortgage manager declares that the bank will not accept such a report - this is illegal. Under the current legislation (Federal Law No. 135 “On Protection of Competition”), the borrower has the full right to apply for appraisal work to any appraiser, regardless of accreditation.

By law, no bank has the right to refuse (without indicating objective and compelling reasons) to accept a report from an appraisal company without existing accreditation.

But it is worthwhile to take some steps first to reduce the risk of an unpleasant situation (bank refusal). Namely, consult with the mortgage manager of Sberbank and clarify the following:

Availability of special standards or requirements for conducting an appraisal examination and generating a report.
Is it necessary to provide any additional documents from an appraisal organization. Perhaps the bank will need, in addition to the report, other papers confirming the professional level of the appraiser.

Each borrower should understand that the matter is not in the presence of accreditation, but in the confirmation of professionalism and qualifications. After all, it is with such appraisal companies that Sberbank cooperates. Therefore, it is better to opt for accredited companies that are reliable and work strictly with all the requirements of the current legislation of Russia.

conclusions

Real estate appraisal is required when registering mortgage agreement. After all, it is extremely important for a credit institution to minimize its possible risks when issuing a large and long-term loan. Expert evaluation is necessary for correct definition the size of the future loan and insurance policy. And every future borrower should know that it is preferable to cooperate with companies accredited by Sberbank.

It is worth remembering that a financial and credit organization may reject the conducted appraisal examination from non-accredited appraisers, based on the lack of professionalism of the latter. Therefore, if it becomes fundamentally important to obtain the expertise of appraisers who are not on the lists of recommended ones, you should first check with the mortgage manager about this possibility.

But it is easier to immediately use the service of proven professionals. In this case, the benefit, first of all, is received by the borrower himself. After all, with an illiterate and erroneous examination and the issuance of an incorrect report, the borrower may face a number of major unpleasant consequences in the future. Well, the entire list of accredited appraisers can be studied on the Sberbank website and choose the most suitable one.

In contact with

For many Russian companies important aspect is to take part in state electronic auctions. But only a few know that in order to become full participants in these auctions, an enterprise needs to undergo special accreditation.

Since only accredited organizations get access to the personal account of trading platforms, and there are only 5 of them in Russia, one of which is a subsidiary of Sberbank. And the owners of numerous companies are interested in the issue of accreditation at the Sberbank-AST ETP. Below is step-by-step instruction which will help you understand the correct passage of accreditation.

Many domestic companies wish to take part in the electronic auction for the placement of government orders. However, in order to move into the category of full-fledged permanent bidders, you need to be accredited at the State Electronic Trading Platform (GETP). Only an accredited company will have access to a personal account at each GETP and become a full-fledged participant in the placement of government orders, having the right to submit applications for participation in the auction.

Accreditation for legal entities

According to the rules of electronic trading platform accreditation for Sberbank-AST, in order to participate in the auction, a legal entity must submit the following package of documents:

A copy of an extract from the Unified State Register of Legal Entities with a limitation period of not more than 6 months (for all organizational and legal forms).
Copy of founding documents: agreement and charter (for limited partnerships).
Originals and copies of documents that confirm the person's authority to obtain accreditation: if the application is submitted personally CEO, then the protocol of appointment to the position, if the application is submitted by an authorized employee, then the power of attorney of the general director, which was prepared in accordance with the requirements of Article 186 of the Civil Code of Russia.
Copies of documentation confirming the powers of the head: a protocol approving the appointment of the powers of the head, an order on the appointment of the head.

Budget institutions

To accredit Sberbank, the following package of documents is provided, which is standard: documents to confirm the powers of representatives, an extract from the register, and a charter. In addition, in accordance with paragraph 8 of Article 41 of the Law on Placement of Orders, in order to obtain the status of an accredited participant, a company must present a decision on the completion or approval of transactions based on the results of auctions.

For major transactions under the Community Charter, decision-making bodies may be:

The body that exercises the powers and functions of the founder for non-profit organizations.
For an LLC, this is the board of directors, the supervisory board, or general meeting participants.
For unitary enterprises is the founder/owner of the property.
For PJSC, CJSC, JSC, OJSC, this is the board of directors, the supervisory board or the general meeting of shareholders.

When making a small transaction, the decision is made by the person authorized to obtain accreditation (the head of the company or by proxy).

Attention: the decision on the transaction must include approval in electronic form for its completion based on the results of auctions and the maximum possible amount of such a transaction in rubles.

IP accreditation

Now we will consider how to get accreditation at Sberbank for an individual entrepreneur. An individual entrepreneur, in order to participate in the auction, must submit the following package of documents:

a power of attorney, including the authority to participate in electronic trading and obtain accreditation, if any other person applies from the IP;
a copy of the USRIP extract with a limitation period of not more than 6 months;

In case the application is submitted by individual entrepreneur, he indicates in the section on the full name full name. and type of activity.

Carrying out accreditation for an individual

With regard to this procedure for an individual, the bank selects Sberbank accreditation assessors on an ongoing basis. To apply and become an accredited bidder, an individual must submit:

a power of attorney, including the authority to participate in electronic trading and obtain accreditation, if any other person submits an application from an individual;
a copy of the certificate of status registered with the Federal Tax Service;
copies of identification documents.

Important: in the section on the full name, you must indicate the full name. individuals.

Duration of accreditation

According to the legislation on bidding, the operator considers the application for accreditation no more than five working days, after which the bidder will be sent a notification of the decision that has been made. Also available payable service for accelerated accreditation at the ETP. standard term accreditation is considered to be 12 months, however, due to certain circumstances, the period may be extended up to 3 years.

The maximum accreditation period for Sberbank is 3 years. 6 months before the end of the term, the operator sends a notification to the bidder.

Attention: before the end of the accreditation period (three months in advance), the submission of applications for electronic auctions will be blocked and the system will send a reminder once a week that it is necessary to send documents for accreditation renewal.

To fill out the application form for re-accreditation, you need to log in to the site’s personal account and select the application for accreditation for a new period in the menu.

In the case when the time for renewal has not yet come, the system will issue a message to the user with a notification, which will indicate the date of expiration of accreditation and a proposal to undergo a second one six months before the end of the period.

For participants, passing Sberbank accreditation and direct participation on the site costs nothing, since such operations are absolutely free for them. But modern market services includes many companies that offer accreditation without your direct participation. Of course, such services are paid, estimated from one and a half to two thousand rubles.

Documents required for accreditation

To pass accreditation, you need to have an electronic signature, since the bidding system does not provide for work without it. Any company employee who wants to become a full-fledged bidder can receive an electronic signature.

A legal entity must submit documents for accreditation at Sberbank from the approved list below:

power of attorney for the person involved in accreditation;
a digital copy of the Unified State Register of Legal Entities of the certificate;
a scanned copy of the document confirming the appointment to a managerial position;
a digital copy of all constituent papers.

An individual entrepreneur must submit only two documents:

identity document;
extract from the EGRIP.

Important: there are rules for all documents, according to which they must be easy to read, correct, correctly oriented and readable. For each document, a separate file must be created and attached, which does not exceed 16 MB.

Step-by-step instructions for accrediting a company with Sberbank

First of all, in order to apply for accreditation in the status of a bidder, you need to collect a package of documents from the list approved by the site and prepare their electronic versions in accordance with the requirements of the ETP. In addition to the documentation, there must be an electronic digital signature.

EDS (electronic digital signature)

Each potential bidder, in order to be accredited on the Sberbank site, must prepare an EDS in advance, since in its absence the system will not be able to perform any actions due to the technical features built into the program. EPC can be obtained by any employee of the organization who has the appropriate power of attorney.

Applying for accreditation

To apply for accreditation, follow the action plan below:

we open ETP "Sberbank-AST";
select a section for participants and a subsection for registration;
select the form of the auction participant and click the submit application button;
fill out an application for accreditation;
attach the necessary documents;
we sign an agreement with the ETP "Sberbank-AST", put a tick in the box about the desire to register on trading platform universal and press the button for signing the “Framework Agreement” section;
enter the captcha, confirming that the operation is performed by a person, not a robot;
Click "Sign" and "Submit".

After sending the application, a message will be sent to the mail containing a request to confirm the specified email address by clicking on the link and entering your personal account. After the login is completed, you will need to enter the activation code specified in the letter. The procedure, when the letter has already been received, is as follows: follow the link, enter the password and login specified during registration, indicate the activation code, click sign and save.

After that, the application will be sent to the site operator for verification. You must verify your email address within ten days, otherwise the application will be considered spam and rejected.

Features of the passage

In accordance with the legislation of the Russian Federation and the internal regulations of the site, the ETP operator considers an application for accreditation of Sberbank within 5 working days. Early consideration of the application is possible in the case of a correctly completed form and documents prepared according to all requirements. Otherwise, the application may be rejected, and the user will be forced to re-assemble the documentation, correct errors and wait again until the application is considered.

After the platform approves the application of the bidder for your email address a message about the review and confirmation of accreditation will be sent. The message will contain the number of the account, which is assigned for conducting electronic transactions in auctions that are open. AT personal account there will also be a letter confirming the passage of accreditation.

From this article, we learned how to get accreditation at Sberbank-AST, what documents are needed for this, how to get accreditation for an individual entrepreneur and an individual, and also examined step-by-step instructions for the accreditation procedure.

Sberbank of Russia is one of the largest credit organizations. Obtaining accreditation of any appraisal company has many advantages for those who plan to use its services in the future.

The reports of such companies meet all the basic requirements of the bank and do not cause any complaints.

Among some of the major valuation companies of Sberbank for individuals are:

BK-Arcadia;
OJSC "Alfa-profit";
LLC "Center for Independent Expertise of Property";
Russian Assessment Service LLC;
Auction LLC.

Find out which institutions are accredited in your area or locality, you can do it yourself.

A step-by-step guide on how to find the right valuation companies yourself

Go to the official website of Sberbank of Russia. In the upper right corner of the main page, the region of residence is usually indicated. You need to select the required one from the list provided by the system.

Then, among the available tabs, click on "Take a loan." A list of additional links will appear. From this list, you need to find the heading "Loan for housing" and go to one of its items "Acquisition of finished housing".

On the page that opens, in the lower left corner, find a link to the "list of appraisal organizations." By clicking on this field, you can download the document in Excel format. It lists all accredited companies located in your region of residence and detailed information about them (addresses, phone numbers, e-mail, date of accreditation, etc.).

Those appraisal companies that are on this list have the right to appraise all types of real estate in cases where the purchase of ready-made real estate on credit is to be purchased or its construction is planned.

How are valuation companies selected to work with individuals?

The Bank systematically selects appraisers who will further provide necessary services how individuals, and representatives of "micro business" who will become borrowers of the bank.

What do you need to know before applying?

In order to take part in the selection made by the bank, you will need to collect all the required papers and present them at any bank branch in your city. There you should contact the department for working with partners.

All documentation will be checked for compliance with the requirements that apply to the work of an institution or a private appraiser. The time check should not exceed 30 days, including weekends and holidays, from the time you presented all the requested papers to the bank.

Sberbank posts all information about those who have passed the selection procedure and received accreditation on its official website. Organizations should prepare their performance reports based on the bank's basic requirements for evaluation reports.

What conditions does Sberbank require to provide accreditation?

The work of all such organizations is regulated federal law on appraisal activities. However, the bank may require the fulfillment of its additional conditions that do not contradict existing legislation. This is done in order to protect yourself from working with unscrupulous firms.

If the firm submits an incorrect evaluation report, the bank may sacrifice its own financial means. To avoid such cases, the accreditation procedure was introduced.

You can learn more about the requirements on the Sberbank of Russia website. However, there are a few main ones:

The company must establish itself in the regional market of an independent assessment for at least 3 years.
Appraisers must have at least 3 years of experience in this type of activity. In their work book the position should be designated as "Assessor".
Work must be carried out in the region in which the accreditation procedure took place.

If the bank's specialists, when checking all the documents, are satisfied with the result, then the bank approves the activities of the organization for the assessment. Confirmation occurs in the form of a notification to the organization by a bank employee, no papers are provided. The firm is included in the list of those who have the right to make an independent assessment of real estate. Anyone can use this list by studying it on the official banking website.

The bank's client has the opportunity to submit for consideration real estate valuation reports prepared by a company or a person engaged in such activities in private, which are not included in the list of accredited organizations.

However, the documents must comply with all the requirements for the work of institutions involved in valuation and real estate valuation reports.

The report may be accepted under the following conditions:

The borrower must contact the bank branch.
The appraiser is obliged to provide all the documentation necessary to verify its activities.
After a check has been made in accordance with the requirements for business reputation and work of an organization that is not included in the list of the bank.
After the report has been checked for compliance with all parameters of the assessment report.

The terms for studying all the submitted documentation do not differ from those that apply to accredited organizations. It is a month from the moment the borrower applied to the bank.