DomClick Review: Is This Service a Game Changer for Buying Real Estate?

Hello!

DomClick is a super well-known service for buying real estate. Now, almost all realtors work through DomClick. Either they get a percentage from it or it's just a requirement to work with real estate – not really sure. I started getting familiar with the service when I was searching for suitable options on the real estate market. I began with Avtodo (I think that's what it's called), then moved to DomClick because, well, almost everyone works through it.

In this review, I want to share my experience with using the DomClick app, as well as how I went about getting a mortgage and the difficulties I encountered along the way.

The app icon on my desktop:

DomClick: A detailed guide to getting a mortgage. All the pros and cons and hidden pitfalls in this reviewServicewise, DomClick is pretty straightforward and intuitive. Just like all Sber products, the app has a greenish vibe going on.
DomClick: A detailed guide to getting a mortgage. All the pros and cons and hidden pitfalls in this reviewThere are tabs for the Home page, Advertisements, Favorites, Chats, and Cabinet.

Within the app, you can browse listings for both sales and rentals. There's also an ipotential calculator (I'm not even kidding, that's what it's called), which is super handy – you can calculate the approximate cost of a mortgage without needing a realtor or bank manager. To be honest, during the initial stages when I was just thinking about buying a place, I spent most of my time in the Advertisements tab and the ipotential calculator, weighing my options and seeing what I could afford.

DomClick breaks down the process of taking out a mortgage. All the pros and cons and hidden pitfalls from my experienceWhen using the mortgage calculator, it's crucial to consider that the interest rate depends on the region, as well as the conditions (military, family, new construction). We don't have any new construction in our city, and I'm no longer eligible for the family option, so I ended up with the basic one.You can submit an application for a mortgage from home, remotely, through the app. You don't necessarily need to go to the Sberbank office. But back in March 2025, I still didn't know about that, so I submitted my application through the Sberbank office. And then I got a preliminary approval. But the bank manager didn't explain the hidden pitfalls to me, like needing to confirm my income or having a co-borrower, she just told me that I had three months to think about it, find a property, and that if I didn't, my application would simply expire. I'd have to resubmit it, and I was convinced that I'd already been approved for the mortgage.

⚠️ One important thing to note: when I submitted my application for a mortgage, the bank manager set up a credit card for me, saying it was a necessary condition, despite my objections that I didn't plan on using it. I was told that I couldn't proceed without it, and that I could cancel the card in six months. I think Sberbank is being way too pushy with their products (spoiler alert, this isn't the last time they've tried to upsell me!). I'm already planning to give them a big fat minus, but that's not relevant to the DomClick service.

My application expired because I didn't choose a property, and I didn't have a down payment. Of course, having a down payment isn't strictly necessary, but there's a trap to watch out for: you can avoid paying 20.1% of the property's value upfront, but that 20.1% will be added to the property's price instead. So if the property costs 2,500,000 rubles, and the down payment is 20.1% of that, which is 502,500 rubles, and you don't have that money, you'll end up taking out a mortgage on a property that costs 3,002,500 rubles (add the interest and you'll be paying back an extra 1.5 million rubles). I wasn't prepared for that kind of trickery, and I didn't want to overpay, so I decided to put off the search for now and focus on saving up some more.

I chose a property in August, but my initial application had already expired by then, so I resubmitted it in person at the real estate agency's office that had listed the property I was interested in. The approval was still preliminary, but we needed to confirm my income either with a document or by bringing in a co-borrower - we chose the latter option.

DomKlik: A Detailed Guide to Mortgage Approval. All the Pros, Cons, and Hidden Pitfalls - A ReviewNext, I had to add the property to the system. The realtor handled all of this, but I kept a close eye on every step (I'm a bit of a control freak, and I like to know exactly what's going on).

DomKlik: A Detailed Guide to Mortgage Approval. All the Pros, Cons, and Hidden Pitfalls - A Review DomKlik: A Detailed Guide to Mortgage Approval. All the Pros, Cons, and Hidden Pitfalls - A ReviewIn the service, you can view information not only about the added property, but also about the house itself.

DomKlik: A Detailed Guide to Mortgage Approval. All the Pros, Cons, and Hidden Pitfalls - A ReviewAfter adding the property, you need to add documents from all parties - that's passports for the borrowers, documents from the seller's side.

DomKlik: A Detailed Guide to Mortgage Approval. All the Pros, Cons, and Hidden Pitfalls - A ReviewAnd then the endless calls from Sber started - they were checking me, my co-borrower, asking the same questions over and over. I got called about 4 times, and each time it was a new manager. More often than not, their goal isn't to interrogate you, but to offer additional services. Besides the mandatory insurance, you'll also need to purchase 3-4 other services - it's their unofficial, but mandatory condition. Of course, the bank's managers will try to sell these services to you at a higher price, but whether you really need them is up to you.

DomClick breaks down mortgage application process. All the pros and cons and hidden pitfalls from my review DomClick breaks down mortgage application process. All the pros and cons and hidden pitfalls from my review⚠️ By the way, about the managers. They're trained to upsell, but when it comes to specific questions, they can't answer. As I mentioned earlier, I got calls from bank employees pretty much at every stage, asking for clarification, offering additional services, and so on. The first time, it was a girl with a very polite tone, proper grammar, and a pleasant voice. Overall, I thought she was knowledgeable about sales and answered my questions correctly, politely, and without any pressure.But all the subsequent operators sounded like they were trying to sell me something on the street - they couldn't string two words together, had awkward pauses, and so on. It was really uncomfortable to listen to. And secondly, I'm a detail-oriented person, and I wanted to get to the bottom of things. I started asking questions about the interest rate, and I wasn't interested in the additional services. I wanted to know why the interest rate kept changing, and what my final interest rate would be in the contract. The manager, whose name I didn't catch, couldn't give me a clear answer. She kept saying she didn't see the rate, asked me to wait a minute, and so on. The rate kept changing for some reason that was unclear to me. It was either 22.7% or 21.3%.

Here are the factors that affect the interest rate:

DomClick breaks down mortgage application process. All the pros and cons and hidden pitfalls from my reviewThat's it. Although the interest rate calculator showed a rate of 19%, my final interest rate ended up being 22.7%. Which is still better than 28% in March when I first applied. So, in my opinion, the managers at DomClick are completely incompetent, and they can't answer questions from a detail-oriented customer. They've been forced to memorize sales scripts, and that's it...

In the end, I chose three services: insurance, secure payment processing, and electronic property registration with the Rosreestr with payment of the state fee.

DomClick breaks down the process of taking out a mortgage. All the pros and cons and hidden pitfalls in my review⚠️ By the way, insurance is also a mandatory condition for a mortgage. You can opt out of insurance, but the interest rate might change in your favor. From my own experience, I'd say that property insurance is actually a pretty good thing. For example, I wrote about a case where my neighbors flooded my place, but I had insurance. After the mortgage term is over, you can insure your property with any other organization. Used to be, you could opt out of insurance altogether after the first year of the mortgage. I'm not sure about the specifics now, to be honest. Given the flood this year, I'm not planning to opt out. I'd rather pay a bit extra, but at least I'll be able to sleep at night, knowing that anything can happen. DomClick breaks down the process of taking out a mortgage. All the pros and cons and hidden pitfalls in my reviewSo, I'd chosen my services, uploaded all the documents, but the app still showed a status of "document collection", and that's when things started to drag on. The check was supposed to take no more than three days. But time kept passing, and there was no progress on the deal. The status didn't change. It had been over a week. DomClick breaks down the process of taking out a mortgage. All the pros and cons and hidden pitfalls in my reviewThen it turned out that our passports had been scanned incorrectly, and we needed to upload them again. And then, of course, there was more waiting. This time, I just couldn't take it and started asking questions in the chat. Luckily, as a participant in the deal, you can communicate not only with other participants (seller, realtor, bank representative) but also write a separate message to the manager. It turned out that there was no seal on the extract from the EGRN, and the seller hadn't been informed about it until we contacted the managers ourselves. And, of course, time kept passing. I was getting really anxious about moving by the beginning of September. DomClick breaks down the process of taking out a mortgage. All the pros and cons and hidden pitfalls in my reviewThis really got to me. You're waiting, you want to finalize the deal as soon as possible, you've got all the documents and the down payment, and the object, and it turns out there's some nuance that just slipped their minds. And then... After all the checks were finally over, it was time to prepare for the actual deal in the bank's office. We had to choose a date and time, the office, and book an appointment.

DomKlik detailed review of mortgage registration. All the pros and cons and hidden pitfallsBut the bank managers didn't leave us alone. They kept calling me, finalizing the deal, clarifying the details, asking if I had finally decided to pay the penalties, and if I was sure, if we had a contract, who drew it up, and if we trusted the realtor and all that jazz.After that, a robot called me twice, repeating the time and date of the deal. In terms of notifications, Sber and DomKlik work great, but sometimes it gets annoying, especially when you're at work and get distracted by calls.

DomKlik detailed review of mortgage registration. All the pros and cons and hidden pitfallsOn the appointed day, we showed up at the Sberbank office, but we didn't make it to the manager on time because she was busy with another client (issuing a credit card), and we ended up waiting for 40 minutes. I was starting to get anxious because I hate waiting and disorganization. If we were already booked for a specific hour, why take on more clients?The deal and registration process itself was a whole other nightmare, let me tell you. We had an electronic deal registration, supposedly it would be much faster. In reality, it was the opposite. Everyone needed to have the DomKlik, GovUslugi, GovKlyuch (or a similar app) apps on their phone, an email address, and an electronic signature certificate.

I have to say, the seller was a 70-year-old granny who's not exactly tech-savvy. Watching her struggle with the phone was like watching a circus act - I was getting anxious just by watching her!

Then the SMSes started pouring in, one after another, with a code to confirm the operation. The thing is, these codes have a limited validity period, so if you don't enter them in time, they expire, and you need to request a new one. It was like a never-ending loop: send the code, confirm, click on the link, and so on. The only thing we signed physically was the receipt for the payment and the sales agreement. Everything else was done through electronic services.

I opted to pay the state duty right in the bank to avoid going to the MFC to register the property in the Rosreestr. It really simplified the whole process. I mean, going to the MFC and waiting in line was already pushing my patience to the limit.

Then, the money from Sberbank arrived on my account, and I had to transfer it to the seller's account (we had paid the initial deposit in cash). The money was transferred to some account where it would stay until the property was registered in Rosreestr.

After the deal went through in DomKlik, the status changed:

DomKlik: A Detailed Guide to Mortgage Registration. All Pros and Cons and Hidden Pitfalls DomKlik: A Detailed Guide to Mortgage Registration. All Pros and Cons and Hidden Pitfalls But the manager wasn't about to let us off that easily. If I was offered a credit card right at the beginning when I submitted the application, my co-borrower was offered one as a mandatory condition after the deal was done, and they issued a credit card for 150,000 rubles.⚠️ I'm just baffled by the internal logic of the bank's policy: someone just took out a mortgage with hefty interest rates and a huge overpayment (almost three times the original amount!), but that's still not enough - let's offer them a credit card for 150,000 rubles that they can't opt out of! It's like they're working for the bank's profit, not the customer's benefit. And to top it all off, these credit cards can't be closed before six months. Of course, this has nothing to do with the DomKlik service, but I just had to vent about it here!

We didn't receive any physical documents; everything was in the DomKlik app, and we had to download and print them ourselves.

DomClick breaks down the process of taking out a mortgage. All the pros and cons and hidden pitfalls from my reviewI paid for electronic registration of the object in Rosreestr, so I thought it would speed up the process. After the deal, the property should have been registered within 3 days, and only after registration, the bank would transfer the money to the seller. In general, the money was just hanging in the air. The seller wasn't too thrilled about it, but, as they say, it was no longer my problem. I paid the accelerated registration fee, and then it was up to Rosreestr and the bank.

DomClick breaks down the process of taking out a mortgage. All the pros and cons and hidden pitfalls from my review DomClick breaks down the process of taking out a mortgage. All the pros and cons and hidden pitfalls from my review The next day, I received a notification that the property had been registered. The seller should have received the money on their account within 2 days. DomClick breaks down the process of taking out a mortgage. All the pros and cons and hidden pitfalls from my review Two days later, I received an email: DomClick breaks down the process of taking out a mortgage. All the pros and cons and hidden pitfalls from my review And in the DomClick app, the status had changed: DomClick breaks down the process of taking out a mortgage. All the pros and cons and hidden pitfalls from my reviewAnd that's pretty much it – all the stages of taking out a mortgage, from submitting the application to the deal. It took us around a month to complete everything. Although I'm sure it could have been done much faster if the bank's managers hadn't dawdled on checking the documents.

In the DomClick app, there's a personal account for servicing the mortgage: payment schedule, insurance, the entire package of documents, tax relief, and so on. You can also reformat the utility bills in the app, and after that, all the accounts in my Sberbank will be automatically updated for paying utility bills, of course, after I've reformed the contracts in my name.

DomClick breaks down mortgage loan arrangements. All the pros and cons and hidden pitfalls from a user review I've got to say, it's super convenient that I didn't have to wait for payment receipts to be sent to me - the invoices just showed up in my personal account, and that's a total game-changer, since not all organizations send out receipts on time, and here it's all taken care of.Mortgage tax deductions. After the first year, you can submit a declaration to the tax authority to get a mortgage tax deduction. Then, you'll get back 13% of the amount you paid for the mortgage. I haven't been able to do that yet, since I took out the mortgage this year, and I won't be able to submit the declaration until next year. But for my parents, who have a mortgage on their home, I've done it before, and it's a total breeze - you don't even need to leave the house, everything gets done through the app 'My Tax'. Now, DomClick has that feature too. Next year, I'll be sure to update this review and add some screenshots.

I think with DomClick's service, you can pretty much do without a realtor. You can do everything completely on your own. In my case, the realtor was hired by the seller - an elderly lady, 70 years old, who wouldn't have been able to handle the whole process herself, posting ads, finding potential buyers, negotiating viewings, etc. If it weren't for that, the realtor would have been unnecessary.

📌 BENEFITS:

✅ You can submit an application and process the deal on your own

✅ The app is super user-friendly

✅ Fast decision on your application

✅ You can see all the stages of the deal

✅ Support from specialists in the chat

✅ Mortgage servicing after the deal

✅ All documents in one place

✅ Automatic re-registration of utility bills

📌 DRAWBACKS:

❌ The interest rate changes during the process

❌The bank's employees took a long time to verify the documents, found an 'error', but didn't inform the parties involved, so we got stuck at the 'verification' stage (but that's a complaint against the bank's employees, and only indirectly against the app)

❌Forced additional services.

📌 VERDICT:

I've got mixed feelings about using the DomKlik service. On the one hand, it's an app that makes it way easier to navigate the mortgage process on your own, without needing a realtor. You can follow the whole process, make changes, and even deal with the bank's managers if you run into any issues. The whole thing is pretty transparent for the client. On the other hand, the bank's staff is often clueless - they just rubber-stamp documents without even looking, can't communicate with clients, and don't know how to answer tough questions, like about interest rates. They're just trained to sell you extra services, and there are way too many of them. Most of the time, they're not even relevant, it's just a money grab.

I've got to say, though, I'm pretty positive about the service itself, specifically the app, not the staff.

So, I'm giving it 4 out of 5⭐

Thanks for reading! 🖤 Wishing you speedy mortgage decisions and low interest rates🖤