In bankruptcy auctions, property can be bought at a price significantly different from market value. The debtor's creditors, in order to get their money, can immediately set the selling price of the property below the market, counting on the quick sale of the property. In order to make quick money, you need to submit a detailed start plan for bankruptcy auctions.
It is necessary
- - Internet access
- - digital signature
- - scanned passport, TIN, SNILS
- - registration and accreditation on electronic trading platforms
- - money
Instructions
Step 1
Before buying property from a bankruptcy auction, you need to find this property. Bankruptcy property is sold on electronic platforms. There are about 60 such sites now. A complete list of them is given on the official website of the Unified Federal Register of Bankruptcy Information. Another official source of information is the Kommersant newspaper. Hardcopy announcements come out in the Saturday edition. To simplify the search for the property of bankrupts, numerous auction aggregators are also used.
Step 2
After the property standing at the bankruptcy auction is found, it is necessary to work through the found lot. It is necessary to clearly assess the liquidity of the bankruptcy property. The initial liquidity of the lot can be judged by the appraiser's report. The appraiser's report is posted, as a rule, on the website of the Unified Federal Register of Bankruptcy Information. It is also worth requesting photos and additional documents from the organizer of the auction. Next, you need to inspect the lot together with the organizer of the auction.
Step 3
Before buying a lot, you need to determine the likely profit from the sale of the lot after trading. The easiest way to find out the probable profit is to "ask the market". Find analogues of your lot on bulletin boards on the Internet and compare their value with what is offered at the auction.
Step 4
Then there was little left to do - to go through the procedure for buying a lot at the bankruptcy auction. Almost all tenders are conducted electronically. You will not be able to buy anything at electronic auction if you do not have an electronic digital signature. You definitely need to buy a digital signature at one of the many certification centers.
Step 5
To participate in bankruptcy bidding, you must be registered on the electronic platform where the lot you have selected is being sold. To register an individual on an electronic trading platform, we need: a copy of all passport pages, a notarized copy of the TIN, a color copy of SNILS. All documents signed with your digital signature are attached to the electronic trading platform in the required fields. At large trading floors (Sberbank-AST, Fabrikant, B2B), you will need not only to register, but also to be accredited in the bankruptcy property sales section.
Step 6
The vast majority of bankruptcy auctions require you to pay a deposit. To pay the deposit, you need to ask the organizer of the auction for the exact details of the bank account and the amount of the paid deposit. At the first and repeated auctions, the deposit amount is a percentage of the initial lot price. On a public offering, the amount of the deposit is a percentage of the price of the property for a specific period. The paid deposit, if you win the auction, will go towards payment for the lot you bought. If the buyer of the lot refuses to conclude a property sale and purchase agreement and pay for the purchased lot, then the paid deposit will not be returned. If you have not won the auction, then the paid deposit will be returned in full after the end of the auction.
Step 7
Next, you need to prepare a package of documents of the bidder: the bidder's application, a copy of all pages of the passport, a notarized copy of the TIN, a payment document confirming the payment of the deposit, the deposit agreement, the consent of the spouse or the marriage contract (if the buyer of the lot is married). It is recommended to use pdf files when submitting documents to the auction.
Step 8
The prepared package of documents must be loaded into the card of your trading procedure in the appropriate fields. After that, you need to sign the application with your digital signature and wait for the protocol for determining the bidders. If you are recognized as the winner of the auction, you must subsequently sign a purchase and sale agreement and pay the price of the purchased lot.
