Bidding (auctions) for bankruptcy - stages and stages of the sale of property of bankrupt and debtors + TOP-5 electronic platforms for bankruptcy

Hello dear readers of the financial magazine Rich Pro! Today we will talk about bankruptcy bidding, the sale of property owned by bankruptcy and debtors, as well as what are bankruptcy auctions and how to participate in them.

From this article you will learn:

• What is bankruptcy bidding - features;
• How to bid and what bankruptcy auctions (trading floors) exist;
• What can be sold at auction and how to participate in electronic auctions;
• How to purchase property at bankruptcy bidding;
• How to make money on property acquisition through auctions;

At the end of the article are answers to frequently asked questions on the topic.

The article will be useful to those who want to participate in bankruptcy bidding, as well as those who are simply interested in this topic. Read more about bankruptcy bidding right now!

About bidding for bankruptcy: what is it and what stages / stages you need to go through to bid, what property of bankrupt and debtors is sold at the bankruptcy auction - read more about this and much more

1. Features of bidding for bankruptcy - sales scheme for property of bankrupt and debtors

An important stage of bankruptcy proceedings is the sale (sale) of property that belongs to the debtor. She is one of the final stages of the procedure.

The sale of property allows to partially, and in some cases fully satisfy all the requirements of creditors.

Sale of all types of property of bankrupt and debtors can be carried out according to several schemes:

1. At tenders, which are understood as open auctions. Everyone is welcome to bid. However, there are exceptions. Participation in open auctions is limited if property that does not have free circulation, such as weapons and jewelry, is put up for sale.
2. When selling propertywhich has value (cultural or historical), as well as monuments of cultural and historical heritage, use contests. It is mandatory that tenders should ensure safety, but at the same time should provide free access to the object of sale.

In the event of an auction, the winner is the participant who will offer the highest price. The winner of the competition in accordance with paragraph 4 of Article 447 of the Civil Code is a participant who guarantees to fulfill its conditions.

Bidding is carried out through electronic platforms. They can participate in physicaland legal faces. To do this, you must first register at the site through which the auction will take place. After that, an application for participation in the electronic auction is submitted.

Normative acts on the basis of which tenders are held are reflected in the table below.

2. What are bankruptcy auctions - the definition and meaning of the concept

Bankruptcy Auction is a bidding system that conducted electronically. Auctions are used for the purpose of quick sale of the property of the non-payer, which allows at least partially repaying its obligations to creditors.

When conducting bankruptcy proceedings, the sale of property is the last stage. The bankruptcy case is otherwise called bankruptcy proceedings.

Evaluation Functions and subsequent sale performs property of the debtor competitive (otherwise it is also called arbitration) manager. Its main tasks are to organize tenders and subsequently in the course of their implementation to sell assets belonging to the debtor.

The requirement is established by law, according to which tenders must be carried out in electronic form.

Anyone who wishes can participate in auctions at which the sale of the debtor's assets is carried out.

Some are convinced that the best facilities are acquired at a very low cost by the bankruptcy managers themselves. However, such a judgment is fundamentally wrong.

The electronic bidding arrangement is completely transparent. If any participant suspects the arbitration manager in the unfair performance of duties, they have the right to file a corresponding complaint.

If during the proceedings fraud attempts are detected by the manager, he is threatened serious trouble.

Until recently, only property owned by organizations was sold at auction.

In more detail about the bankruptcy procedure of a legal entity, we wrote in the previous material.

However, after entry into force October 1, 2015 Law on the bankruptcy of individuals may also be sold property owned by private individuals. The aforementioned law establishes the procedure for conducting relevant tenders.

Today, due to the inability to pay debts, individuals can be lost by selling at auction their property living quarters, motor vehicles, suburban areas, lands and other property.

By participating in such auctions, anyone can purchase the named objects at prices well below market.

After the law comes into force, individuals increasingly decide to declare bankruptcy. About how to declare bankruptcy to individuals and individual entrepreneurs, we wrote in a separate article.

Most often they act as debtors for various loans - inappropriate for a large amount, mortgage, car loan.

In accordance with the new legislation, all property of such a citizen can be sold during the auction in order to repay his obligations.

Organizations that go through bankruptcy may fall into the same situation. For example, if a car leasing was issued for legal entities, then the leasing company on the basis of the contract has the right to pick up the property, and in some circumstances it will wait for the auction to sell the property of the debtor to be completed for payment under leasing conditions.

Also, in detail about the liquidation and bankruptcy of the LLC, we wrote in a separate article.

What conditions are necessary for participation in auctions

3. Terms of participation in the bankruptcy auction

To bid for the sale of property of debtors, the applicant must fulfill a number of conditions.

Condition 1. Application for participation in the auction

First of all, it is necessary apply for an auction. This document is drawn up on the forms of the established sample. Two copies of the application are required.

After registration of the application between the participant and the organizer of the auction, an agreement on the deposit is concluded. This document determines the amount of money that must be transferred by the bidder to the organizer's bank account. The deposit is a guarantee the bidder fulfills the conditions of the auction, including the fact that in case of winning, the auction object will be redeemed.

When the deposit is transferred, the bidder must provide the organizer with an appropriate payment order. This document is transmitted in the original, and it is mandatory that there is a bank note on the transfer. A payment order must be submitted no later than the last day of filing applications.

Condition 2. Setting the initial price of the object

The initial price of the auction object is set by the committee or by the general meeting of creditors. At the same time, the exchange price of assets sold must be taken into account. It is determined on the basis of the results contained in the property appraisal report. Such an assessment should be carried out on the basis of instructions from the arbitration manager or a trustee appointed in accordance with the law.

The initial bid price is set below average. Most often, her appointment occurs on the last business hour of the day preceding the bidding.

Thus, the minimum value of the property is assigned by the debtor's manager in accordance with Section 94 of the Bankruptcy Law.

The final selling price of the property is determined by the results of the auction.

3 stages of bankruptcy bidding (primary, repeat, public)

4. The main stages of bidding for bankruptcy

The bankruptcy bidding procedure is strictly regulated.

There are 3 (three) stages that make up the basis of the auction.

Stage 1. Initial bidding

This is the initial stage of bidding. Participants have the right to place bets on increasing the value of the property being sold. In this case, the step size is determined in advance by the conditions of the auction. It is important to know that every next step the system takes half an hour after the previous one.

Stage 2. Repeated bidding

If, for any reason, the initial bidding is declared void, repeated tenders are held. In this case, the initial cost is set at 10% lower.

Stage 3. Public Bidding

If in the first two stages the auction is declared invalid, public auction held. Their main feature - price reduction after predetermined time periods.

Participants in such tenders have the opportunity to purchase property at a very low cost. The maximum decrease may reach 99%. However, it is important to have time to complete the deal before the competition.

Of great importance is the preliminary assessment of the value of the property. Often, at the very beginning of trading, it is already sold at a very favorable cost.

Thus, tenders are held in accordance with the legally established stages. Investors who are well oriented in their sequence have a great chance of acquiring assets at the best price.

Why do we need it and where to look for bankruptcy bidding What can I buy at a bankruptcy bidding

5. What property of bankrupt and debtors can be bought at the bankruptcy auction

Not everyone knows what assets can be sold at auction. A huge list of property objects is subject to sale at auctions. If desired, you can select anything from this list.

The following objects are the most popular and relevant:

• securities owned by both legal entities and individuals;
• factories;
• various organizations;
• enterprises engaged in the production of various goods;
• various claims rights;
• motor vehicles;
• specialized equipment;
• Appliances;
• trademarks of various companies;
• various types of real estate - commercial, residential, buildings and structures intended for industrial needs;
• various tangible assets of a person declared bankrupt;
• Equipment for the production of;
• lands with different purposes - individual construction, agriculture and others.

Many are unaware of the possibility of acquiring various property by participating in tenders for bankruptcy. As a result, there are great chances to conduct the most effective deal.

Some auctions involve a small number of people wishing to purchase property, so it becomes possible to buy an asset at a minimum cost.

Diagram of volumes of sale of property of debtors and bankrupt - electronic auctions for bankruptcy

6. Bankruptcy auctions: TOP-5 electronic trading platforms

Bankruptcy trading is held at various electronic sites. One can single out a number of the most successful sites that sell bankrupt assets.

Among the most popular sites that are used to conduct auctions on the Internet, the following can be distinguished:

1. The Unified Federal Bankruptcy Register

This database contains all the available information on bidding as a result of bankruptcy proceedings.

Official website of the service "The Unified Federal Register of Bankruptcy Information" -bankrot.fedresurs.ru

The main advantage this base is Advance posting of information on the upcoming procedure for the sale of property. It is on this site that the most complete information is located.

Studying the register of objects allows bidders to collect the maximum necessary data and, as a result, to more carefully prepare for the auction, to conduct the most comprehensive analysis and evaluation of the property put up for auction.

2. Sberbank AST

Most experts mark this site as a fairly good platform, having quality, comfortable and intuitively intuitive interface.

The official website of the Sberbank AST service issberbank-ast.ru

Sberbank AST sells the property of companies that have issued a loan and cannot repay it for any reason.

Important disadvantage The site is a small number of objects of bidding.

3. Fabrikant.ru (fabrikant.ru)

This site is called among the best. Its most important advantage is the large number of lots sold.

The official website of the Fabrikant.ru service is fabrikant.ru

4. Implementation Center

This is one of the largest sites where property of enterprises recognized as bankrupt in accordance with the law is sold through auctions.

5. ELECTRO TORGI

The site presented is relatively recent. Nevertheless, it is very actively developing and has already managed to gain popularity. The reason is that the site is very easy to use, and the interface is simple and understandable.

Thus, the Internet has a large number of resources on which it is possible to search for suitable objects in case of a decision to participate in the auction.

However, not everyone knows that all sites where the procedure for selling bankrupt property is carried out at a reduced cost, are divided into 3 (three) types:

1. Trading floors

Such sites specialize directly in organizing and conducting online auctions.

2. Official portals

Full bid data is published here. This is done in accordance with Russian law. The most famous examples of such sites are Fedresurs, as well as the Kommersant newspaper (Saturday issue).

3. Bankruptcy bid aggregators

The main goal of these portals is to collect relevant information about the ongoing bidding from a large number of Internet resources.

Those who wish to bid, must not only decide what they want to buy. It is important to decide on which site this can be done.

Studying a large amount of resources increases the chances of acquiring the object that is needed.

Step-by-step guide for bidders in electronic bidding

7. How to participate in public electronic bidding - the main stages + requirements of auctions

Take part in electronic bidding in order to acquire bankrupt property is not difficult, anyone can do it.But it should be remembered that it is important to comply with the law, as well as consistently go through all the stages of participation in the auction. The step-by-step instructions that will help you figure out how to do it right are given below.

Stage 1. Obtaining ES

An electronic signature or abbreviated electronic signature is a way of confirming the ownership of the directed information to its owner. Without an electronic signature, it is impossible to access an electronic trading platform in order to participate in tenders for property of bankrupt and debtors.

The main functions of ES are:

• protection against falsification, as well as falsification of various documents;
• proof of authorship of the documentation, as well as its belonging to a particular person;
• transfer of documents through secure communication channels;
• the ability to submit price proposals during the bidding process;
• conclusion of contracts following the results of tenders.

Choosing a company for registration of electronic signature, important to studywhich sites it provides access to. In some companies, the price of a signature is lower, however, and the list of resources is less.

When deciding to issue an electronic signature, it is important to analyze how much you need it. Traditionally, ES acts in total 1 year, after that, the extension will be paid.

In order not to waste money, it is often more advisable to first choose an object that you want to buy, and only after that make a signature. However, in this case, you will have to look daily at the information on the opening of filing of applications, so as not to be late for the start of trading.

In addition, it may well be necessary to produce EP in a short time, which leads to additional costs.

Stage 2. Accreditation at the ETP

The next step is accreditation on the electronic trading platform. To do this, you will definitely need an ES.

For accreditation, you must upload documents to the site in accordance with the requirements of the resource.

Most often for individuals this is a passport, it is important to carefully read the conditions of accreditation, so that you do not have to subsequently provide documents again. Some resources require only a spread with a photograph and registration, others - absolutely all pages.

Accreditation traditionally takes three to five business days. There is no need to go through this procedure at all sites. Enough is the one at which the auction will be held.

Stage 3. Selection and analysis of the lot

Using available sources, you should find a suitable object for purchase. It is quite natural that when searching for the necessary property it is more advisable to study offers in the region of your location.

When the lot is selected, it is important to examine all the documents that are relevant to it. This can be documents of ownership, evaluation reports and others.

In case of purchase of tangible property (car, premises, building, etc.), it makes sense to inspect it even before bidding. To do this, find his contacts in the organizer’s card, call and make an appointment.

When deciding to buy sophisticated technical equipment, a vehicle, a building, and other complex assets, it is advisable to invite a specialist to a meeting. He will help previously evaluate the property being sold, as well as establish real market value.

Such actions allow even before the bidding to conduct an analysis of the feasibility of participating in them. These measures can significantly save time and money.

Step 4. Software Setup

To bid, it is important to properly configure the program on a personal computer. Most often, Internet Explorer is used to work with electronic platforms. You will also have to configure a special program, as a rule,Crypto Pro, and also install the necessary certificates on the computer.

Usually, all the necessary instructions for working with electronic signatures are issued at the companies where they are made. In the same place, you can order the help of a professional programmer as an additional service if you cannot manage the settings yourself.

Stage 5. Application for participation in tenders

Once the purchase item is selected and the software is configured, you can start creating an application. It is best to do this in advance, a few days before the end of the acceptance of applications. This advice is especially relevant for beginners.

If bidding is held for the first time, at the application stage, a large number of questions may arise. Additional specialist advice may be required.

Therefore, the time for processing the application should be sufficient.

Features of filling out the application depend on the chosen site where the auction will be held. On some of them, you don’t need to fill out anything manually, all documents are generated from the data specified during accreditation.

Bankruptcy Auction Application Form Sample

At other sites, each time all necessary agreements must be drawn up again. You may also need to attach “scans” of your passport and TIN certificate.

At the stage of filling out an application for participation in tenders, a document is required to be attached, confirming payment of the depositprovided for by the bidding conditions. Therefore, it should be paid until the final application.

Stage 6. Deposit payment

An important stage, without which bidding will be impossible, is a deposit. Its size is determined in the documentation for the auction. Most often, the amount of the deposit is determined at the level of 5% of the cost realized object.

Details for the transfer can be found in the documentation for the auction. Before you transfer funds, it makes sense to clarify bank commission to similar translations. It is far from always beneficial to transfer funds from an existing account with a particular bank.

This is especially true for participation in tenders for rather expensive property, since the difference in transfer fees for different credit institutions can be different.

Most electronic platforms require a document confirming the transfer of funds. Therefore, it makes sense to clarify in advance whether it is possible to pay a deposit through various online services of the bank. In this case, the client has the opportunity to receive a notification of the transfer in electronic form.

However, many sites require bank note payment document. Therefore, this point should be clarified in advance.

Step 7. Filing an Application

The time for submission of the application should be determined for each auction separately. In some auctions, the winner is the first one to send her. In other cases, it is important to be in time. apply before a certain point.

First of all, you need to attach all the necessary documents. Then, using an electronic signature, you should sign them and send.

Stage 8. Electronic auction

Depending on the type of auction, the bidding process is going on. If bidding is held on a principle closed auction, at a certain moment all applications open, the winner is the one who submitted the best price.

If carried out open auction, in certain terms of bidding day and hour the participant must log in to his personal account, which is registered on the electronic site.

Further, in accordance with the terms of bidding, each participant may submit price proposals. It should be take into account the bidding stepspecified in the auction. Most often he makes 0.5 to 5 percent from the initial cost of the property sold.

Important! Participants in the bidding process see only the number of the applicant and the price that he offered.

At this time, it is not clear to whom which number belongs, that is, before the announcement of the results, the last name, first name, middle name or company name is unknown. This allows for an auction. as honest and open as possible.

In addition to the auction step, bidding conditions are determined a period of timeduring which you can put forward your proposal. If more than a specified period has passed since the last of them, bidding ends.

At this point, if desired, you can gain a foothold at the level of the last price offer. Then, if the winner refuses to redeem the auction object for any reason, you can get it yourself at the latest price.

Stage 9. Trading Results

When the auction is completed, it remains to wait for the results of the auction. First, the auction organizer forms a protocol containing information about how they went. This is done for about half an hour after the end of the auction.

Further over 3 (three) business days a summary protocol is drawn up. It contains information about who is recognized as the winner of the auction.

Stage 10. End of the auction

For participants who did not become winners of the auction, they end quite simply. It is enough to wait for the return of the deposit. If this does not happen within a few days, you can contact the organizer and specify the terms and time of the return.

The winners of the auction a contract of sale is required. To this end, the bidder sends a specific form through the site. It should be filled out and returned to the site first through your personal account, signing it using the electronic key, then the winner of the auction returns the signed contract to the organizer of the auction. Also follows send original document at 2 (two) copies by mail.

If, for any reason, the winner of the auction changes his mind about buying out the auction object, he does not sign the contract. Naturally, the deposit in this case not coming back.

Stage 11. Full payment and entry into rights

When the contract is signed, the winner must make the rest of the payment for the object of purchase. In this case, you should be as careful as possible, because often the details for deposit transfers and contract payment differ.

When absolutely all the conditions are met, the winner of the tender becomes the full owner of the property. Further, he may dispose of the acquisition at his discretion.

Thus, participation in tenders involves passing certain stages of the procedure. If you carefully follow the instructions, as well as take into account all the tips, problems with this process should not arise.

In any case, if necessary, you can contact the electronic platform support service. More experienced and qualified people, including friends and acquaintances, can also help.

8. Dates of bankruptcy auctions

Bankruptcy bidding procedure strictly regulated by legislative acts of the Russian Federation. In this case, the deadlines set for the passage of each of its stages are specifically set.

If securities are planned for sale, the corresponding application must be submitted several times over 2 (two) months. The countdown of this period begins from the day when the relevant decision was issued by the bailiff.

In those cases when property that is immovable (including enterprises), in addition to the resolution, as well as the act of acceptance of such property, documents must be submitted in which there is information about the ownership of the land.

The necessary documents are:

• document confirming the seizure of real estate;
• certificate establishing ownership of immovable property;
• documents containing the main characteristics of the property.

If a property under construction is transferred for sale, the following documents will need to be submitted additionally:

• a copy of the allotment of land for construction;
• building permit issued by state authorities.

Further, an inventory of the property being sold is mandatory. Information about it should be listed Unified Federal Register, which records bankruptcy information.

From now on, within a month, the creditor or other official may require a bankruptcy trustee to assess the property of the debtor. Such a requirement is legal when the debt is higher than the price of the property more than 2%. Such an assessment takes 2 (two) months. This period is calculated from the moment when the bankruptcy trustee received the relevant claims from the creditors.

Payment for the services of a specialist who will conduct this assessment is made from the funds that will be received as a result of the sale of the property of the debtor.

Then, within two months, the auction organizer must be transferred list of debtor's property, which is subject to sale at auction.

After that, information about the upcoming sale of bankrupt assets should be posted in official print mediathat are published periodically. From this moment, the acceptance of applications begins, at the end of which an auction is held.

Thus, a lot of time passes from the moment a court makes a decision to sell property to the day of the auction. Moreover, the duration of each stage is fixed by law.

The main stages of buying property at bankruptcy auctions

9. How to buy property at a bankruptcy auction - the bidding process 🏠

A variety of property of debtors is put up for auction. At the same time, real estate is one of the greatest demand. Regardless of its type, we can distinguish 5 stagesthat goes through everyone who decides to buy property in this way.

Stage 1. Selection of property for acquisition

Before bidding, you should decide which property will be purchased. There can be many options, for example, a two-room apartment in a new building. It all depends on the capabilities of the buyer.

At this stage, one should also determine for what purpose the acquired property will be used.

There are several ways:

• for own residence;
• for doing business;
• for rental;
• for subsequent resale.

Stage 2. Location Selection

In this case, it should be decided in which region real estate will be acquired. It all depends on how from the purpose of the purchaseand from the location of the buyer.

Property for resale is worth buying where there is a steady demand for it. Buying a property for rental purposes is much more profitable in larger cities.

Stage 3. Maximum attachment size

Before participating in the auction, you should decide what the maximum amount for the purchase can be spent.

In this case, you can use not only equity, but also borrowed funds.

Stage 4. Analysis of the selected property

After choosing a property for acquisition, you need to carefully analyze it.

To do this, do the following:

• study photos, documentation, specifications;
• make sure there are no arrests and encumbrances;
• if possible, inspect the facility.

It is also important to analyze the value of the property planned for acquisition. It is worth clarifying how much a similar property costs in the market in order to understand what maximum price you can pay for it.

Stage 5. Acquisition of the property

When the search and analysis of the property is completed, you can study the documentation attached to the auction. After that, you can prepare an application, as well as a package of documents required by the bidding conditions.

Next is the auction itself. If you are recognized as the winner, the contract of sale of the property, as well as re-registration of property rights on him.From this point on, the buyer can dispose of the property at his discretion.

Thus, it is up to everyone to purchase a property at auction. For this, it is enough to go through five simple stages.

10. What is the earnings at bankruptcy auctions?

Auctions at which the property of persons declared bankrupt are sold are a unique and very interesting way to earn money.

But it is worth remembering that the purchase of any property at the auction is a difficult process in legal terms. In this case, you need to know a huge number of subtleties and nuances.

Purchases during the bidding process are significantly different from the traditional acquisition of property.

Bankruptcy bidding can become a profitable business if you decide to make money in this way has a number of qualities.

The main ones are:

• the ability to continuously monitor information on ongoing bankruptcy proceedings, as well as on the announcement of the sale of property;
• knowledge, as well as certain experience in acquiring property, as well as participating in tenders;
• organizational skills that help in the completion of sales transactions.

Auctions cannot be a separate type of business independent of anything. This is explained by the fact that it is far from always possible to implement it. Even despite the fact that auctions are held by a large number of bankruptcy trustees, tenders are not systemic and independent (in contrast to traditional tenders).

Among individuals, as a type of business, property acquisition through participation in auctions for its subsequent resale. Such activities can bring tangible income.

To do this, you need to have a fairly large amount of information, as well as possess a commercial vein and entrepreneurial talent.

If we talk about the sale at auction of property of individuals recognized as bankrupt, such a business appeared recently. Up to this point, the sale of property was subject only to the assets of legal entities. At the same time, auctions were held with almost no system, semi-legally.

However, as a result of government intervention and the emergence of relevant legislation, the process has become more civilized.

Today, bankruptcy auctions are made public. Now the auction procedure has become more profitable, and for both sides - lenders and debtors. As a result, any property is sold much faster and at prices that are much closer to market prices.

Advantages and disadvantages of buying bankruptcy and debtor property from electronic bankruptcy bidding

11. Pros and cons of acquiring property from bankruptcy bidding

Like any type of earnings, buying property at auction has a number of advantages and disadvantages.

11.1. Benefits of Shopping Through Auction

Among the advantages, the following can be distinguished:

Advantage 1. Low selling price

This is explained by the desire of owners to sell assets as quickly as possible. In this regard, the value of property is reduced and is set at a level significantly lower than the market.

For example, when selling real estate taken as a mortgage, part of the proceeds goes to cover the debt of the client, the balance will be given to the borrower. It is only natural that in such a situation the auction is held primarily in the interests of the lender.

Therefore, in order to accelerate the sales process, the value of real estate is set at the lowest possible level.

Often in this case, the buyer can purchase an apartment at a price of approximately 35% below market average. Moreover, situations are not uncommon when the first time you cannot sell a mortgage. As a result, during repeated trading, the price for it is reduced even more.

Advantage 2. Guarantee of legality of the transaction

In the course of tendering for the sale of bankrupt property, the procedure is fully controlled by the state. Ultimately, the risk of declaring a sale transaction illegal is reduced.

11.2. Disadvantages of shopping through an auction

Any type of business has a number of disadvantages. Bankruptcy bidding is no exception.

Among the most significant disadvantages are the following:

Drawback 1. Difficulties with checking the physical condition of the property being sold

In the case of the sale of real estate, it can be difficult to verify that there are no debts for utility bills.

Drawback 2. Difficulties in verifying sale consent

The risk that in the end the spouse will not give his consent to the sale of property, or minor children are registered in the apartment.

To minimize possible risks, any transactions at the auction should be carried out in cooperation with specialists. These should not be ordinary lawyers, but those who have professional experience in conducting bankruptcy biddings.

12. Related FAQs

Bankruptcy bidding is a very complicated process, so all of its participants have a lot of questions. To facilitate familiarization with this difficult procedure, we tried to answer the most common ones.

Question 1. Why do we need and what are the goals of bankruptcy bidding?

There may be several purposes for using bankruptcy bidding.

The most common are:

• purchase for personal use;
• making a profit - buying cheaper, selling more expensive;
• organization of entrepreneurship - the acquisition of premises for their own business or for rental;
• buy real estate without decoration, make repairs, sell more.

In addition, participation in bankruptcy auctions allows you to acquire a new specialty. In other words, it becomes possible to become an investor.

If you are considering investing in real estate, we recommend that you read the article about investing in real estate.

Since 2011 trading is conducted using the Internet, so that they have become much more affordable. As a result, today anyone can participate in auctions without leaving home.

Thanks to this, participation in auctions has a number of advantages:

• save time on organizing tenders;
• There is no reference to a specific geographical region;
• soft requirements for bidders.

Another advantage of participating in auctions today is low competition.

Question 2. Where to look for bankruptcy bidding, what search methods are there?

There are several ways to search for auctions available to everyone. First of all, this newspaper Kommersantwhich comes out weekly on Saturdays. Each such publication has an application with information about upcoming tenders. If desired, Kommersant can be read electronically.

There are other sites that publish information about auctions:

• Unified Federal Register of Bankruptcy Information;
• Interregional electronic platform;
• Sberbank-AST;
• Alphaloth;
• Tender B2B and others.

Where to look for bankruptcy bidding - search for attractive auctions

Question 3. What is needed to bid?

To participate in electronic bidding, you need to go through a certain procedure, which can be divided into several stages.

1. First of all, you need to get an electronic signature. It has legal force and is an analogue of the press and the author's signature. It is an electronic signature that allows you to access the site to participate in the auction. You can issue a USB flash drive with a password at any certification center. Upon receipt of the signature, all the necessary instructions for setting up access are issued. When registering a key, it is important to pay attention to which sites it provides access to. It is advisable to draw up a key that allows you to connect to multiple sites. Thanks to this, it becomes possible to purchase a much larger number of objects. It is important to understand that an electronic signature should be ordered in advance, as it is completed within a few days.
2. The first stage of preparation for bidding is registration on the electronic platform. To do this, fill out the form and send it to the site. When the verification of data is completed, access to various property sales facilities will be provided.
3. Simultaneously with registration at the site, theoretical data should be supported. To do this, refresh the memory of the law governing tendering. In addition, it is important to study the regulations of the site used. All necessary data and documentation are available on the trading portal.
4. The next step should be the search for objects to purchase. After that, you must carefully read all the information about the upcoming auction. You will need to study all the available documentation, if possible in advance to inspect the object.
5. When all the previous steps have been completed, you can begin to apply. It must be prepared very carefully in accordance with the requirements of the bidding organizer. A document on the transfer of a deposit is mandatory attached to the application. Information on its size and terms of payment is indicated in the documentation for the auction.

If everything is done correctly, the bidder will be allowed to auction.

Question 4. How and where to get an electronic key (electronic key) for bidding, what is the price and procedure for receiving it?

Many companies in Russia for a long time and actively buy various property in the bidding process for bankruptcy. Recently, such an opportunity has appeared in individuals. Without a doubt, over time auctions will only grow in popularity. At the same time, most of those who wish to take part in the auction still wonder how the necessary electronic signature is drawn up.

EDS is necessary, without it, simply participating in the auction will not work. For its registration, you must contact the certification center. It is a specialized company that has a license to generate such password keys.

Next, you need to go through several stages:

1. Make an application for an electronic digital signature;
2. Provide documents that are specified in the conditions for the provision of an electronic certification by a specific certifying center (for legal entities these are constituent documents, for individuals - usually a passport and TIN), all of them are submitted in copy;
3. As soon as the documents are verified, the certification center will produce an electronic signature.

EDS is a specially generated key that the CA issues to the applicant on electronic media. A certificate is also issued at the same time as the keys. It must be certified by the CA seal.

Choosing a certification authority, you should pay attention to being accredited by state authorities. To date, there are quite a few such companies, so finding the nearest one will not be difficult.

Many also ask how much EDS will cost. It is important to understand that there is no fixed cost.

The final price will depend on a large number of criteria:

• Formation of electronic signatures by certified employees;
• entering data on digital signatures in the corresponding register;
• creation of special media for the key;
• availability of a license for specialized cryptographic programs;
• issuing a copy of the certificate in paper form.

Also, some certification centers provide a number of additional services - computer setup by a specialist, information support and others. All of these options can also affect the cost of an electronic signature.

Thus, the price of EDS is variable, it can be different depending on the region of registration.

Experts refer to the average cost of EA at a level as a guideline. 4-5 thousand rubles.

Question 5. How does the auction end? Can a winner not buy a lot?

For each bankruptcy bidder, there may be several possible outcomes of this process:

1. The auction was not won - in this case, the organizer returns the deposit, no contracts will be required;
2. Victory in bidding.

With auction winner within 5 (five) days the contract of sale of property is signed, which was a lot at the auction. After that for 30 (thirty) days It is required to pay the full price of the auction object.

If for any reason the winner changes his mind about becoming the owner of the property, he can refuse to conclude an agreement. Naturally, it will not be necessary to transfer the value of the object of the auction.

However, do not forget that in case of refusal to buy out the property, the deposit will remain with the organizer of the auction.

13. Conclusion + video on the topic

Thus, everyone can take part in a bankruptcy auction. In this case, you will need to have certain knowledge and skills, as well as issue an electronic signature.

We hope that this article helped to understand some of the subtleties of this difficult process.

In conclusion, we recommend watching a video showing the details of a transaction at a bankruptcy auction using the following example:

And the video - how to apply on the electronic site of Sberbank AST:

Do not be afraid to participate in auctions, because often this can help significantly save on the acquisition. Moreover, many have long and successfully earned money at such auctions.

The team of Rich Pro magazine wishes good luck to readers in all endeavors! If you have any comments or have questions about the topic, then ask them in the comments below.

Watch the video: NCIX Bankruptcy Auction - Day 1 (December 2024).