Showcase of VTB collateral. The principle of the sale of collateral

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Showcase of collateral or VZI VTB 24 is a special program of the bank. It gives people the opportunity to purchase property on special terms. With the help of this program, you can purchase lots from the showcase of such expensive items as cars, apartments, etc. at low prices. Almost every bank has similar programs.

Property, which is contained in the list of collateral objects, is provided by the borrower, and any movable and immovable property can act as collateral. This is done in order to ensure the highest security of lending.

VTB collateral

Pledged property is such property, which, according to the agreement of the parties, is a necessary guarantee of the fulfillment of obligations in civil law relations. To ensure maximum security of bank financial assets in Russia, a special mechanism is used - a bank pledge.

SoThus, the principle of the sale of collateral in VTB 24 is that the bank offers its customers to purchase movable and immovable property on favorable terms with ensuring the security of the transaction, conducting a legal check of all property items even before the start of paperwork.

VTB's collateral is a program called the "Showcase of collateral". At auctions in VTB, the sale of collateral property under the hammer gives people the opportunity to receive the property they have chosen from a special catalog, but exactly the property that is the collateral property of VTB Bank.

When it comes to cars, their sale is possible only after a special legal check, after which it is carried out in accordance with market prices. There are times when the value of a property can be reduced.

Sale of collateral through the official website

The sale of real estate in VTB Bank is carried out on the official website, in the "Showcase" section. VZI VTB 24 is a search engine that, from the provided list of real estate, helps to choose exactly the object of purchase, which is pledged, which interests each particular buyer.

Buying confiscated bonds

Confiscation is property that for some reason was arrested and then forcibly seized from a person or organization. Most often this happens due to the insolvency of an individual or legal entity. Showcase of collateralproperty VTB offers a wide range of confiscated property, and bidding is carried out constantly. Here, both legally verified property and unverified property can be offered, but each object being sold has documents that can be presented to the buyer at any time upon request, so that he does not have unresolved issues regarding this or that object.

There are several ways to buy confiscated bonds:

1. In remote access mode through the Single Marketplace.

2. With a personal presence in Moscow (the address can be additionally obtained at the nearest branch of VTB Bank). The showcase of collateral in VTB Moscow may not differ from other cities when it comes to an electronic trading platform

3. EETP is one of the largest federal electronic trading operators. In order to take part in the auction, you need to leave your application on the official website of VTB, where it is also possible to choose the most suitable option from all the property, but this requires special accreditation. With the help of the electronic system of VTB Bank, such a procedure can be carried out in just two to three hours, which is very convenient and fast. Mandatory conditions for obtaining accreditation are the presence of an electronic signature and the presence of at least 10% of the total cost of the preferred lot on the bank account as a guarantee of subsequent redemption. If the buyer chooses not one, but several lots, then 10% of the cost must be provided for each of them.

Acquisition of bank property from the window

The auction takes place in the usual, conventional way. Rates on objects are gradually increasing, however, if there are not too many participants in the auction, the price will not increase much, and the initial cost, as a rule, is much lower than the market price. Thus, the purchase of collateral property turns out to be more than a bargain.

Becoming the owner of this or that lot, it is necessary to fully pay its cost with personal funds or take a loan from the bank on special conditions. At the initial stage of registration of the application it is required to specify the method of payment. If the purchase is made at the expense of credit funds, then in this case the bank must check the solvency of its client. In this case, all lending conditions will be somewhat different from the usual ones.

After making payment for the selected lot, an individual or legal entity signs a special sale and purchase agreement with the bank, and then registers this property in his name in the VTB collateral showcase. If the property was taken on credit, then it will be documented by the bank until the absolute repayment of loan obligations.

What property is the bank offering for redemption?

Banking program "Showcase of collateral" has a fairly large number of the most interesting proposals, which include the acquisition of commercial real estate. Mortgage real estate in the showcase of VTB 24 collateral property is very diverse. It can bevarious warehouses, land plots, offices, entertainment centers, shops and much more. Also, clients are given a convenient opportunity to rent a particular property.

Purchasing a home

The buyer has the right to choose housing on his own, taking into account all the offers of the primary and secondary market. Offers that are usually in the highest demand are private houses and apartments. A house or apartment can be purchased both within the city and beyond.

Purchase of commercial vehicles

This offer involves the purchase of all kinds of transport equipment, both Russian and foreign production. The cost of such objects will depend on their technical condition, which can be completely different.

Cars

VTB's collateral showcase offers a wide range of foreign and domestic passenger cars. Condition - excellent, fair or poor, the customer chooses according to their own preferences and purchase purposes.

Marine and other vessels

This is one of the most non-standard offers in VTB Bank in the showcase of collateral. Here there are special parameters by which the object is selected.

Purchasing equipment

In this section you can find a variety of equipment for the production of anygoods. A special catalog and photo gallery in the showcase of VTB's collateral allow you to view all possible offers in accordance with the location of the buyer. You can also see all available offers in other areas of the country.

Leasing confiscated cars for sale

The sale of collateral through the showcase of collateral in VTB 24 includes the sale of seized trucks and cars, as well as special equipment. Here, as in other sections, there is a special search engine that will allow a private entrepreneur or an ordinary person to choose a product that matches his personal preferences. It is even more convenient to buy a vehicle without an auction, the only condition for such a transaction will be the availability of funds to pay for the purchase in full. There are cases when the buyer does not have enough money on hand, but in this case, VTB Bank helps to solve the problem. Here there is a convenient offer to rent a car, and later buy it back, which will help to wait for the time when the client has enough money and even save his money. This system is called leasing. However, despite all the convenience of providing services, here the choice of cars is significantly reduced.

Mortgage on preferential terms

Individuals are more likely to buy apartments than houses. VTB Bank gives them the opportunity to buy real estate, which is in its ownership, through preferential mortgages on very favorable terms. The cost of such objectsusually significantly lower than the market, plus the client is given a benefit, which becomes the most profitable option for him to purchase housing. The maximum cost of such objects is 60,000,000 rubles. The rate in Russian currency is 10% when applying for a policy, and the loan term is 30 years.

The first installment is approximately 20% of the total loan amount. There are no commissions. The advantage is that in terms of fraud, the buyer risks absolutely nothing, because all the real estate offered by the bank is legally clean, which greatly facilitates the execution of all necessary documents and shortens the time for all transactions. But there are some requirements that in this case the bank puts forward in relation to the borrower. Registration in the region of purchase of real estate is not required here. It is necessary to confirm all available income with a 2-NDFL certificate and a bank form. The bank also takes into account the additional income of an individual. The age that allows you to purchase real estate on mortgage terms is 21-75 years. Also, a prerequisite is official employment within the last 6 months. The buyer must not have other loans, and the amount of wages must be 2 times the loan payment.

Design steps:

1. Filling out an application online, which must contain an application with a list of scanned documents. This list can be clarified in the service that provides information to bank customers

2. Waiting for the decision of the bank. If it turned out to be positive, you must select a property from the catalog.

3. Register an agreement with the bank. VTB Bank can offer pleasant bonuses to participants of this program.

Loan on preferential terms for individual entrepreneurs

Individual entrepreneurs who want to purchase real estate from a pledge are also given the opportunity to obtain a loan on favorable preferential terms. This option has become available to representatives of various types of businesses - both small and large. With this loan, you can buy any residential and non-residential real estate, any object of transport and special equipment. The main condition here is the initial payment, which is at least 20% of the total value of the collateral property. It can be purchased at an auction through the sale of collateral at VTB or directly purchased from a bank. The maximum amount here is no more than 150,000,000 rubles, and the time frame is up to 10 years. Commissions are not provided, and the policy is not required.

Design steps:

1. Come to the branch of VTB Bank.

2. Fill out the required form and send it to the consultant.

3. Upon approval of the questionnaire by the bank, sign an agreement with it on the sale and purchase of the selected object.

The documents that must be submitted to the bank are founding documents, passports of people participating in the transaction, tax declaration, certificate from the USRIP or USRLE, financial reportactivities.

If too large amount of money is not required, then the buyer will not be required to have a business plan, as well as a current account statement or any debt.

The client has the right to apply to the bank with a request not to sell the collateral property he has chosen while he collects all the necessary documents.

So, individuals and legal entities have the opportunity to purchase bank collateral on favorable terms with a big discount under the VTB program. This can be done on the bank's website or at an auction. If the financial capacity of the client does not allow paying the purchase price, he is given the opportunity to lend.