How a beginner can earn 100% on bankruptcy auctions: interviews and recommendations from an expert, real earnings history and step-by-step action plan

It is difficult to imagine modern life without the Internet. Which of our ancestors would have thought that in the future it would be possible to make money on the World Wide Web without leaving home? At the moment, a huge number of people are making money on the Internet, and this trend continues to grow and develop, turning into a kind of business. The possibility of additional income in order to increase capital pushes people to develop new projects that are different from existing ones and bring a stable income.

One of the most common and effective projects that allows you to make money on the Internet is a business auction, which has gained worldwide popularity and has become a source of income for millions of users.

Stages of bankruptcy bidding

By law, the property of a legal entity or individual declared bankrupt is sold at bankruptcy auctions.

Bankruptcy auctions are held in several stages.

An investor or a person who wants to make money is interested in public trading.

The price at such auctions is reduced until a buyer is found. Here's a look at an example:

The price fell from 870 to 600 thousand rubles. for a 2007 Acura MDX. Its market price starts from 730 thousand rubles.

What is the most profitable thing to buy at auction?

Many people immediately thought of cars, but this is not entirely true. Yes, you can find good options with a price 20-30% below the market, but you will have many competitors.

The whole point of making money at public auctions is to find a lot for which there will be few bidders and, accordingly, you can expect the price to drop to the minimum level with a discount of up to 90%.

Let's look at discounts on the main categories of property that is participating in the auction:

Passenger cars – 10-20%

There are a lot of professional players in this niche, dealers, resellers who will start trading as soon as the price drops by 10-20%.

Commercial vehicles – 20-30%

The competition in this niche is a little lower.

Residential real estate – 20 – 40%

Not everyone has several million to buy an apartment. There is even less competition.

Commercial real estate – 30 -60%

A very small circle of market participants. Special knowledge in this area is required.

Accounts receivable – up to 90%

This niche requires special training. The discounts are very large.

Special equipment – ​​30 – 70 – 90%

There are not many people who want to buy a loader or tractor, plus you need to have special knowledge when buying such equipment.

Land plots – up to 90%

An in-depth liquidity analysis is required.

They talk about bankruptcy auctions on TV, but few actually try to figure it out

Look at the case of Oleg Selifanov, who made bankruptcy trading his main source of income:

I personally know Oleg and took an advanced course in trading with him, as a result of which we purchased several units of special equipment at a large discount.

This is one of the best ways to make money in my opinion, since it does not require a lot of time and team, but at the same time it scales well by reinvesting the money earned.

Many of Oleg’s students start with small amounts - 100-200 thousand rubles and reach multi-million dollar deals within a year

, while continuing to spend a minimum of your time, and your earnings grow.

How to participate in auctions in another city remotely, without leaving home

Often in other remote cities there are cool liquid lots, for example, rural stores for 100 - 200 thousand rubles with tenants.

In the case of real estate, you can easily assess the quality of a lot without traveling, using various Internet services:

1. find a contractor for 1000 rubles
   for Avito or Youdo, who will meet with the arbitration manager and take photographs of the lot for you and ask the necessary questions, which he will record on his phone
2. look at photos of real estate on 3
   Google / Yandex / double GIS maps (if there are no photos there, it’s better not to take them, since the place is dead and unpopular)
3. look at the appraiser's report
   - almost always the federal resource has an appraiser's report with real photographs and a market valuation that you can use as a guide
4. see the cost of real estate in the area
   and by lot address

You can hire realtors to sell property in other cities; in addition, there are always decent lots in your city and not far from you.

Typically, in other cities it is worth considering real estate, since it is best suited for remote assessment.

Example - what kind of real estate with photos can be found in 3 minutes at bankruptcy auctions

Building 1144m2 for 20,000 rubles

Laboratory 94m2 for 1600 rubles

Store for 292,000 rubles with an area of ​​173 m2

House for 36,000 rubles

From a personal example (Andrey Merkulov):

Once, a new cottage community 14 kilometers from the city of Yeisk near the Sea of ​​Azov was sold at auction - 19 houses for 23 million rubles. Each cottage with an area from 120 to 150 m2 was ready for finishing. Agree, for such lots it is worth looking for an investor and working on them in more detail.

In addition to large objects, you can always find inexpensive, but very liquid lots.

What is bankruptcy in simple terms

How a mechanic earned 85,000 rubles at auction from scratch

How to buy an apartment for 200,000 rubles at auction (example of Oleg Selifanov)

The author of the course, Oleg Selifanov, shows what real estate can be purchased with little money and what features should be taken into account when buying apartments and rooms.

Take Oleg Selifanov's video course to learn how to buy bankrupt property at a discount of up to 90%

The harsh truth about bankruptcy auctions (the example of Andrey Merkulov)

A long time ago I recorded a video about how to participate in trading if you are an investor and do not want to get stuck in legal documents. Since then, I have changed my mind and believe that it is still more profitable to study this procedure on your own, but I recommend watching the video:

What to buy at auction if your budget is limited?

Office equipment.

They often sell office equipment for banks and organizations. Computers, monitors, adding machines, air conditioners.

Cars for scrap price.

Damaged cars are not of interest to professional players, but if you know about cars, then it’s worth monitoring this niche. I recently saw an auction where a damaged foreign car cost 16 thousand rubles.

Special equipment.

Sometimes they sell equipment from laboratories or medical centers that no one understands. If you find a buyer for it, you can make good money.

Industrial equipment.

Low competition at auctions.

Enterprise products.

Produced but not sold products of an enterprise stored in its warehouses.

Enterprise resources.

For example, sand, crushed stone, boards, fuel.

Where can I find information about bankruptcy auctions?

Trading takes place on various electronic platforms. A complete list of these sites can be found on the official website.

Here is a diagram of the most popular sites:

1. Russian Auction House (RAD)
2. Electronic platform of the Implementation Center
3. Sberbank-AST
4. Interregional electronic trading system
5. Manufacturer
6. uTender

There are more than 50 electronic platforms and it will be difficult for you to check them all.

Therefore, aggregator sites have been created that collect information from many sites.

Free and shareware aggregators:

Fedresurs.ru is the official website of the Russian Federation.

pros

• The largest trading database
• Comprehensive supporting documentation
• Everything is free

Minuses

• Inconvenient search
• Very often there are no photos of the lot

Komersant - received the status of an official publication for the publication of information provided for by the federal law of the Russian Federation “On Insolvency (Bankruptcy)”.

pros

• By law, all bankruptcy announcements are published here.

Minuses

• To search for advertisements, you need to know the TIN or OGRN of the bankrupt.

Heveya.ru is a great site for beginners.

pros

• Convenient navigation and search.
• Lots come immediately with photographs.
• There is a special offers section where the lots with the biggest discounts are sorted.
• You can immediately start purchasing the item. All documentation will be prepared by Hevea, for a certain percentage, you only need to upload your personal data.

Minuses

• To view complete information on the lot you will have to pay 166 rubles.

By copying the name of the lot into Google, you can find a trading platform with a full description of the property you are interested in.

Bankrot-pro.com is an aggregator with a free tariff. Good help for newbies.

pros

• You can view lots for free with a starting price of no more than 300 thousand rubles.
• There is a direct link to the trading platform with the posted lot.

Minuses

• No photos.
• There is no detailed description of the property.

Trading Russia is a very convenient trading aggregator.

pros

• Convenient search.
• Attractive design.
• There is a link to the auction.
• There are no restrictions on free search of lots.

Minuses

• No.

Bacart.ru is a free analogue of Fedresurs

pros

• Completely free.
• There is a link to the trading platform with the lot.
• There is a history of viewed lots.
• There is a convenient search system by lot description. For example, find it on a map, find a photo, find the price of a given lot in search engines.

Minuses

• Not very convenient search.

Torgi.gov.ru

The official website where information about the sale of debtors' property is published. But auctions do not take place on electronic trading platforms, but offline, in auction halls.

There are interesting lots that you won’t find in other places.

Paid bidding aggregators

Probankrot.ru

• Advanced search for lots with more than 20 search parameters;
• Search patterns;
• Monitoring of trades;
• Personal bookmarks;
• “Hurry up to buy”;
• “Display of purchased lots”;
• Search for auction winners and view information on the winner;
• View complete information on the lot;
• Trading calendar;
• Own notes;
• Scheduler.

Ttbankrot.ru

• There is a mobile application.
• There are ready-made document templates for sending to the auction organizer.
• From the site you can send an official request to the manager or auction organizer.
• Notification by e-mail about new auctions.

Bankrot-spy.ru

• You can search for property not only from bankruptcy auctions, but also from “confiscation and privatization”
• Very convenient search.
• There is a section with analytics, which contains a lot of statistics on lots and auction winners.

Where to start bidding on bankruptcy: requirements for participation in bidding

Each participant must register, pay a deposit, and provide all necessary documents.

Electronic digital signature (EDS)

There are a large number of certification centers on the market that offer their services. When choosing a center, you should be careful: some companies still issue unqualified digital signatures. The list of accredited certification centers can be found here

The validity period of the EDS certificate is one year, and the cost is 1-2 thousand rubles (depending on the company). You can renew it online. The presence of this feature should be checked with a specific distribution center.

Often the service of obtaining digital signatures is provided by the trading platforms themselves.

Registration and accreditation on the trading platform

This process is different for each website. Let's look at the sequence of actions using Sberbank-AST as an example.

Choosing the option of registering on the Sberbank-AST platform as an individual or legal entity, as well as as a representative

1. Go to the main page of the project and click on the “Registration” item, which is located in the upper right corner
2. Select an application form - you can register as a legal entity or individual, as well as a representative:
3. Further actions depend on the choice made in the previous paragraph. For example, an individual will be asked to indicate an INN, Federal Tax Service code, full name, enter an e-mail, telephone number, add his postal address, bank details, and also attach a copy of identification documents. Next you will need to link your email.
4. After submitting an application for registration, you must wait for approval or refusal, which is possible due to incorrectly provided data.

Preparation and submission of documents

To fully participate in the auction, the participant will need to prepare the following list of documents, which are regulated by Federal Law No. 127:

• Participant's commitment in writing. The form is regulated by the specific trading platform.
• A copy of the passport of a citizen of the Russian Federation - for an individual;
• Extract from the Unified State Register of Legal Entities or its notarized copy - for legal entities;
• Contact information (full name, tax ID, postal address);
• Legal entities provide copies of the order or protocol on the appointment of the general director of the company that is participating in the auction;
• An important point is to indicate that the bidder, whether an individual or a legal entity, is not affiliated with either the owners of the property being sold or the auction organizers. To do this, in most cases, it is enough to check the box;
• Submission of an application for a specific lot should be confirmed by indicating the price, which must be no less than the current one, as well as by uploading a copy of the receipt for the deposit.

Payment of the deposit on the trading platform

Preparation and uploading copies of documents for participation in bankruptcy auctions is a free procedure. Particular attention should be paid to making a deposit, since in many cases it will have to be returned.

Usually the deposit does not exceed 20% of the starting price of the lot. Its size is indicated in the contract that describes the specific lot. It also contains the bank details of the payment recipient. Keep in mind that paying a deposit in no way guarantees the purchase of the property; it only confirms the seriousness of the potential buyer's intentions.

The contract must be downloaded, filled in all fields, signed and, adding a receipt for payment of the deposit, sent to the auction organizers:

• Once the auction has taken place, the deposit cannot be returned. You will have to pay the remaining amount and obtain ownership of the lot or refuse to purchase.
• The deposit can be returned if the auction did not take place, or if several participants took part in the auction and another winner was determined. Refunds are made within five days after the auction.

Participation in bankruptcy auctions

It doesn’t make much sense to provide step-by-step instructions for purchasing a specific lot, since the interface of each trading platform – and there are dozens of them! – unique.

Detailed instructions on how to start bidding for bankruptcy can be found in the “Q&A” or “Instructions” sections of a specific website.

Also, many bloggers talk about their activities on blogs and on YouTube.

Video: Example of purchasing a lot on the Regional Trading Platform

Entry into ownership

After the auction, the winning bidder receives a notice from the organizers with an offer to sign an agreement and pay the balance. This is just a suggestion, not an obligation. You can refuse, but the deposit will not be returned.

Details for paying the balance are provided by the organizer; they may differ from those to which the deposit amounts were transferred.

After signing the purchase and sale agreement, the winning bidder receives all additional documents and becomes the full owner of the property. In fact, the property obtained in this way is no different from that purchased directly from the seller; it can be disposed of at your own discretion - sold, rented, donated.

How to check and select a lot?

On the federal resource, the debtor’s card must contain the appraiser’s conclusion and other documents and photos.

An example of an inventory and assessment of the debtor's property. Look at the prices:

You need to call the bankruptcy trustee and arrange to view the property.

Contacts can be found on the trading platform or on the federal resource in the debtor’s card in the “bidding messages” or on the Kommersant website.

The property is not always located in your region, then you will have to hire other people to check the lot.

Buying a car or other property based on a photo or description is a bad idea. Very often, cars lack expensive components.

If you buy special machinery or equipment, then it is better to involve experts for inspection.

If you are buying property for resale, you should first check the demand.

By the way, on Avito half of the ads for the sale of specials. equipment are lots from future auctions.

In this way, demand is monitored, and if there is demand, the equipment is purchased and resold.

If you are planning to buy some special and expensive equipment for resale, then any free website builder creates a page with a description of the lot and your contacts.

Then you buy contextual advertising for this page from Yandex or Google and you look at the number of clicks on the ad and the number of potential buyers who called you.

How to take part in the auction? Instructions for beginners

The final stage in completing the bankruptcy procedure is the auction. The winner here is the one who can fulfill all the conditions of the electronic platform. The main earning schemes:

1. The lot is purchased with your own funds or attracted from outside. Assets can be purchased for 30 percent less and then resold for a higher price. Profits can sometimes reach 70 percent. If you don’t have your own money, you can take out a loan with a hold period. Its duration can be from 50 to 100 days.
2. Having gained experience, participants can already become agents or intermediaries. In this case, costs are reduced to almost zero. They receive a certain percentage for each completed transaction. The salary here is already decent. The task here is this: look for a suitable lot, draw up documents, use an electronic signature and participate in the auction.
3. The third way to make money: searching for the most interesting lots and buyers who are ready to purchase them. This is done through advertisements and social networks.

To begin with, we recommend purchasing lots located in your area of ​​residence. This way, you can inspect the property and evaluate it yourself.

If you are planning to buy a bankrupt company, you need to consult with a specialist; he will be able to assess the current state of the enterprise.

Since there are quite a few cases of bankruptcy, the lot may be the only one. In this case, property can be bought for next to nothing, but you will still have to fight for it.

Another important point: there may not be a single application for the purchase of a specific lot. If this happens, then it is put up for the second stage, while reducing the cost by ten percent. The winner here is the one who submits an application for the property first.

Who can participate?

Both organizations and ordinary people who comply with the requirements of the law and the customer have the right to participate in the auction. However, to do this you will have to understand the essence of trading.

If you have a desire to become a professional in this field, then you need to obtain the appropriate knowledge in the field of law, finance, and technical means. You need to learn how to study supply and demand in the market and analyze it.

Which lots are not worth spending time on?

The process of searching for a lot, filling out an application for participation in the auction and making a deposit takes a lot of time. To avoid wasting it, follow these rules:

1 If the bankruptcy trustee is not happy to talk to you about the lot. Doesn't pick up the phone, doesn't answer emails. Doesn't want to meet and show property.

You shouldn't waste your time on such lots. Most likely there is already a buyer for this lot and they will prevent you from buying it.

2 If the price at public auction has already fallen very much, then you will have little chance of buying such a lot due to great competition.

3 If the property is sold on a little-known site, where there is a chance to run into an unscrupulous management company.

How to return property with the help of relatives

One of the popular ways to preserve property is to transfer it into “reliable” hands. For example, the purchase of property by a relative of a bankrupt. This is not prohibited by law - relatives of the debtor have the right to participate in auctions on an equal basis with strangers who are not related to the bankrupt.

Let's consider a simple diagram of how to buy real estate at auction with the help of relatives or friends:

1. Wait for the financial manager to publish the lot you are interested in.
2. If liquid property is being sold, there is a high chance that it will go away at the first auction. It is important not to miss the moment and place your bet in a timely manner.
3. If the property is illiquid, you can try to buy it at the minimum price during a public auction. But only if you are sure that there are no others willing to buy it.

In this scheme, the main thing is that creditors do not suspect that the property is being purchased by the bankrupt himself through dummies.

How can a relative become a bidder?

Let's consider the conditions and procedure for participation in auctions appointed during the bankruptcy of a citizen. Necessary:

1. Obtain an electronic signature from the Certification Center.
2. Be accredited on the trading platform (register).
3. Find the desired lot.
4. Submit an application to participate in the auction.
5. Pay the deposit. The amount of the deposit is determined by the financial manager independently - usually it is 5% of the cost of the lot.
6. Actively participate in the auction, promptly offering a higher price if other participants raise it.
7. Wait for the auction results to be announced.
8. If you win, all that remains is to pay for the lot and enter into rights: sign the purchase and sale agreement, receive the property under the deed. Real estate must be registered with Rosreestr.

All operations are carried out remotely - the participant only needs a computer with Internet access, an electronic signature and a cryptoprovider program (needs to be downloaded and installed on the computer) to work with the electronic signature file.

How to make an electronic signature for trading?

An electronic digital signature for trading is a flash drive for one computer with a certificate confirming that you are its owner.

You can order an electronic signature from an accredited certification center (the list can be viewed on the website of the Ministry of Telecom and Mass Communications).

What to look for when choosing a certification center.

The number of sites with which your digital signature will work. The fact is that your token will only work with those sites with which the certification center itself works. The more trading platforms, the better.

Availability of a service center in your city.

Documents to receive:

• TIN certificate;
• passport of the certificate holder;
• his SNILS;
• OGRNIP certificate and power of attorney, if necessary (for individual entrepreneurs).

In order not to waste time, I recommend contacting the Kontur certification center.

Go to the certificate selection page, select – Bankruptcy Trading.

This certificate is accepted by 356 sites.

Take copies of documents to the nearest service center and after 2 days come there with the original documents and pick up the flash drive.

Submit documents

After you have sent the deposit, you need to prepare documents. Below is a list for individuals to participate:

Passport

All double-page spreads, color scan.

TIN

Color scan of TIN.

Payment order

Receipt for payment of the deposit, with a blue seal from the bank.

Deposit agreement

The deposit agreement is downloaded from the ETP. It is attached as an additional document to the lot. It must be filled out, signed, scanned and attached to the application.

Application for participation

You need to submit an application for participation in the auction in free form. Be sure to indicate: full name, passport details, place of residence, telephone, e-mail, name of the lot, name of the debtor. If you are participating in a public offer, you must indicate the amount for which you are willing to purchase the lot. Print, sign and scan your application

Notarized Consent of the spouse

If you are in a registered marriage and plan to buy a property, you will need the notarized consent of your spouse.

Having collected all the documents, you need to log in to the ETP, go to the lot page and click on the “participate in bidding” button (the name of the button may differ on different sites).

Then upload all documents. Verify that each document has been signed electronically.

Then sign the entire application with an electronic signature. Only after this will your application be considered submitted.

The interfaces of each ETP are different, and the mechanics of submitting applications are accordingly different. Read the FAQ section and regulations in advance to make it easier to understand how to apply.

How to make money trading bankruptcy without money

If you do not have sufficient financial resources to participate in auctions, then you can earn money by working as an agent for a percentage of the transaction or at a fixed price.

Remember the example with the apartment at the beginning? Before the bidding began, the agent had already seen an opportunity to make money and placed an advertisement for the sale of an apartment trying to find an investor.

Scheme of work:

Find a suitable lot. Real estate, land, equipment.

Place a description of the lot in various advertising catalogs.

You receive calls from potential investors.

Tell us about your services as a bidding agent and agree on payment.

The investor issues you a power of attorney giving you the right to place bets on a specific lot on his behalf. The investor makes a power of attorney at a notary.

You enter into an agency agreement with the investor, which governs your relationship.

The bid application is made on behalf of the investor and according to his documents; you only need to add your digital signature and power of attorney.

The deposit is paid by the investor.

I found examples of contracts that you can download:

• AGENCY AGREEMENT (ON COMMISSION TERMS)
• AGENCY AGREEMENT (UNDER THE TERMS OF ASSIGNMENT)
• APPLICATION FOR PARTICIPATION IN TRADES (sample)
• AGENCY AGREEMENT (example)

How do bankruptcy auctions work?

A large round hall with several hundred business people raising their hands and calling prices; transactions that the auctioneer records by hitting them with a hammer - this picture has nothing in common with the procedure for conducting auctions in bankruptcy.

Nowadays, lots are posted on the Internet on special websites called trading platforms. The list of such sites that are authorized to conduct auction activities can be found here.

The most popular and famous of them are the following:

• CJSC “Sberbank-AST” is a service from Sberbank. On the site you can take training at an electronic university, which is individual for each student depending on the topic of interest, and also take direct part in the auction.
• Ru-Trade LLC - the company offers a full range of services, from obtaining digital signatures and assistance in filing an application to supporting the purchase and sale transaction.
• Kommersant: Bankruptcy – a service from the famous newspaper “Kommersant”. Application can be submitted online and via email. The website allows you to obtain digital signatures for bankruptcy bidding and monitoring of legal entities. The company also provides all the necessary accounting documentation.

Screenshot of the main page of the electronic platform for trading in the property of bankrupt enterprises CJSC Sberbank-AST
It is important to understand that you can use different electronic trading platforms for bankruptcy, moreover, you should pay attention to the geographical location. After all, purchasing an item at a favorable price is not enough; you also need to manage it skillfully.

To simplify the search procedure, you can use aggregator sites. With their help, the choice becomes much more convenient. For example, you can indicate the name of the property (for example, a car), specify the address (Moscow), indicate the amount of the starting cost, deposit, and also select other parameters.

Screenshot of the main page of the aggregator service “Bankrupt Pro”

These aggregators collect information from most major trading platforms. The most popular of them are the following:

• Bankrupt Pro
• Manufacturer
• Fedresurs

Stages of bankruptcy bidding

1. At the initial stage, each auction participant offers his own price. The size of the step is specified in advance in the contract. The price change does not happen instantly, it takes about 30 minutes.
2. Repeated bidding is carried out when the initial stage did not take place for some reason. The benefit for participants is that the starting price is reduced by 10 percent.
3. The third stage is public bidding. They take place when neither the primary auction nor the repeated one led to the sale of the object. In this case, the price is reduced as many times as it takes for an application for the lot to appear. Quite often, illiquid and unattractive assets are sold in this way.

Pitfalls and how to get around them

Don't forget what country we live in. According to the law it is one thing, but in life it turns out something else.

There are auctions tailored for one buyer, and it happens that the bankrupt himself is interested in buying back his property at a low price and negotiates with the organizer.

Nobody forbids bankruptcy managers to look for buyers for property themselves and adjust the rules of bidding to suit their friends.

You can be deprived of your deposit by simply sending a blank piece of paper by registered mail. And then disqualified from trading due to violations of the rules that must be specified in that letter.

In general, you learn better from the mistakes of others, so if you are serious about working in this field, I recommend getting trained by professionals for a quick and safe start.

Master classes from Oleg Selifanov and Daniil Ganzha.

These guys ate the dog at the bankruptcy auction. They conduct seminars and courses on purchasing real estate, cars, and scrap metal. Very interesting and good support, you can ask questions.

• Serious 4-week training on all aspects of trading
• Training on searching, analyzing and purchasing scrap metal at auctions

How much can you earn from online auctions?

Typically, the markup on auction goods ranges from 20 to 30% of the purchased price. This means that you must buy an item at auction 20 - 30% below its market price. Then you will have to take on the risks associated with selling it.

It is worth considering the liquidity of the product. There are categories that can sell quickly. You can spend more on them, leaving yourself a profit window of 10 - 15%. And there are goods that are sold at their real price for a very long time. This is why they are usually not purchased at full price under any circumstances.

Thus, if you work with highly liquid goods, you can count on a profit of about 10% per month from the initial capital. This figure can be achieved with minimal errors and long delivery and sales times. The more you work in this area, the higher your profitability will be.

Questions and answers

What to do with taxes after the resale of property purchased at auction?

A citizen of the Russian Federation, when purchasing property, pays two groups of taxes:

1 Taxes that must be paid after purchasing any property or under a simplified taxation system.

If you sell property as an individual, then pay personal income tax of 13% minus available benefits, or reduce taxes to zero, that is, do not pay them at all (but this is only possible when purchasing an object that does not require state registration).

2 Taxes that must be paid annually after purchasing property and registering it as your own (this applies to apartments, cars, households, land plots, etc.).

Imagine the situation. You have purchased a large plot of land or real estate. You planned to sell it quickly, but something went wrong and at the end of the year you will receive a tax notice. There are cases when the tax amount may exceed the purchase price.

Before purchasing land, you first need to find out its cadastral value on the Rosreestr website, by its cadastral number. And to find out approximately the amount of the future tax, find the “Land Tax Calculator” in the services of the website nalog.ru.

What is accounts receivable and how to make money on it?

Receivables are money owed to the bankrupt. But when they will be given back and whether they will be given back at all is unknown.

By purchasing receivables, you assume all risks. It is usually sold at a large discount.

That is, you buy a receivable for 100 thousand, but it cost you in public for 20 thousand. You go to the debtor and negotiate the return of the debt. They can give you half, and you will earn 30 thousand, or they can give you nothing at all.

Then you need to go to court and demand a full refund. To do this, you will need to hire a lawyer, which will entail additional costs.

Therefore, before purchasing a receivable, it is better to consult a lawyer.

How to analyze accounts receivable?

First you need to find out the basis for debt collection. This can be done on the fed website. resource in the lot description.

Once you find out which authority confirmed the DZ, you can get even more information.

For example, if a ruling was made by an arbitration court, then you can use the case number on the website arbitr.ru to find out information about the debtor and the reasons for the debt.

Then, using the TIN or OGRN of the debtor, you can see his financial situation. This can be done on the website – online.igk-group.ru

Well, then, having collected all the information, you need to decide whether to buy this lot with a debt, whether the debtor will be able to return the money.

It may be worth consulting with a lawyer about the prospects of getting your money back through the courts.

Information for beginners

The main answer to the question of how to properly participate in bankruptcy auctions is to do everything in advance.

Study in advance what documents are needed and prepare them (file them electronically, certify the necessary copies). Readiness in 3-5 days will allow you to quickly correct errors or add missing documents if necessary.

Carefully and carefully approach reading materials about the selected lot. Thoroughness in this matter will help to avoid financial losses and loss of time spent searching for the item. If you are not a professional in the field, do not hesitate to ask for help, this will again save your resources (even taking into account the additional fee for a specialist!).

For your first purchase at a bankruptcy auction, it is best to choose lots with territorial accessibility for study. This will allow you to evaluate the type/condition of the lot in real life (not only from documents) and invite an expert for an independent examination and determination of value.

Turning to experts at first is normal practice. This is their job - to help, conduct examinations, etc. In the future, having already experienced the system from the inside, you will be able to estimate the cost of the lot yourself.