How to find out whether a car is pledged or not

3 effective ways to find out whether a car is pledged or not

Hello, dear blog visitors!

I’m back in touch and today I’ll tell you how to find out whether a car is pledged or not, which will be very useful for many readers.

Buying a car, even a used one, is always a joyful event. Unfortunately, even when purchasing a car in accordance with all the rules, the risk of becoming a victim of fraudulent actions by professionals or simply dishonest people is quite high.

And a significant share in such deceptions is made up of collateral machines. This is a very dangerous method of fraud because it often leads to the buyer’s car being taken away, and getting the money back is very problematic, especially if the scammers have already gotten their hands on in such matters.

The situation is also greatly complicated by imperfect legislation in this regard, but there are still a number of ways that you can use with a reasonable degree of reliability to protect yourself from being “sold” of a car that is under collateral.

Pledged vehicles

Right away, so that you don’t have any confusion, I will briefly outline what a secured vehicle is, because I also have an article about ways to determine a credit vehicle.

Yes, a collateral car and a loan are concepts that, although similar in many ways, are still not identical. And here's how they differ:

A credit car is a vehicle purchased on credit (car loan) from banks and other intermediary institutions. Typically, such cars are both credit and collateral, but this is not a necessary condition: the borrower has the right to provide any other collateral acceptable to the lender (real estate, securities, jewelry, other vehicles, etc.).
A collateral car is a broader concept: it can be a loan (taken out under car loan programs) or simply collateral, acting as a material guarantee under, for example, a regular consumer loan from a bank, loans from other non-banking institutions, from individuals, in various cases loan guarantees, etc., there are many options.

I think we've got this sorted out. I will also add that such collateral obligations can be so documented by the pledge holder (to whom the collateral is provided) that the mortgagor himself (the one who provides the collateral) learns about this only in the event of some kind of force majeure.

Therefore, in some cases, the seller of a pledged car may not even know that his car is pledged, because he did not look closely at the heap of everything that he signed, borrowing from overly cunning lenders.

That is why, having discovered a catch, do not rush to immediately “punch the bastard in the face” or fall into hysterics; it is quite possible that the seller is an honest person and, after apologizing, will solve the problem together with you.

Methods for determining the lien of cars

Now let's figure out how you and I can be more reliably protected from purchasing a mortgaged car. And I'll start, perhaps, with the bad. The fact is that today in Russia, and in most of the post-Soviet space, it is still impossible to determine with 100% accuracy the security of any movable property.

This is due to the imperfection of the legislative framework, which I will mention later. But the good news here is that work is being done in this regard and, hopefully, in the near future this problem will be completely resolved.

So, you want to buy a car, but you want to have maximum confidence that it is not under collateral.

This can be done in two main ways:

Personal inspection of the seller’s documentation and indirect evidence;
Checking through services on the Internet;
Verification with the involvement of financial institutions.

Method one: personal verification

This is the very first thing you need to do. When meeting with the seller, you must insist that he provide you with the maximum package of documentation required for the transaction.

This is where the check begins immediately:

If for some reason the seller did not provide all the documents, then demand from him a clear explanation by which you judge the person’s honesty. If this is not a professional swindler, then a lot can be understood from emotional behavior.
Pay attention to the degree of agreement of the seller. An honest person just needs to sell the car and he usually calmly agrees to any inspections because he has nothing to hide.
Warning signs for you are the price of a car that is unreasonably lower than the average market price and the seller’s haste in concluding a deal.
It makes sense to offer to go together to the traffic police to get confirmation about the car that there are no problematic or controversial situations with it - this scares off professional swindlers more, not because of their fear of being burned, but because of their reluctance to once again “show their faces” in front of law enforcement officers and surveillance cameras, just in case.
If the seller provides a PTS (vehicle passport) marked “DUPLICATE”, or you yourself have determined from the stamps and records of the place of issue that the passport is duplicated, then ask in detail about the reasons for this, paying attention to the adequacy and honesty of the explanations.
If a car is sold immediately after a car dealership, then the absence of a purchase and sale agreement (SPA) should alert you: after all, if the car was purchased on credit, then this will be indicated there. Offer to take a ride together to an official dealership if the car was taken from there.
Please note that you have CASCO insurance: almost all banks have such insurance as a prerequisite for car loans. Read who the beneficiary is (the one who receives the insurance compensation) and what risks are insured. If the seller denies the presence of a CASCO policy, then warn that you will still check it before purchasing.
If everything is in order with the beneficiary, then there will be much less cause for concern, since when applying for this type of insurance, insurers conduct a serious check for collateral, and its absence is endorsed in the insurance contract.
After the inspection and all checks, take a clear photo of the body numbers, a spread of your personal passport and ask for a photocopy of it with all the buyer’s data or rewrite them. Warn that this will be used for further testing and monitor the reaction.
Agree to call back some short time after the first meeting, and if by that time the seller’s number is no longer available, or he refuses further contacts, citing a more profitable buyer, etc., then most likely you “rejected” the scammer at the first stage.

You should know that only professional scammers are “sick” with increased caution, especially those who have already served a sentence for their affairs.

An ordinary man in the street, who firmly believes that honesty is the most shameful of vices (and there are a lot of such individuals), can behave as they say “frostbitten” and agree to anything and everything, hoping to simply push his problem off his sore head and onto a healthy one. .

It must be borne in mind that such people, after such transactions, are frequent guests of trauma departments, which does not upset them very much because...

they were prepared for this in advance and see this as a natural “overlay” of the situation, with an additional opportunity to warm their hands on a hot-tempered buyer in terms of compensation.

Therefore, be careful and do not immediately use your fists when you discover deception.

Method two: online check

After a preliminary check at a personal meeting, you need to “pull” the car for collateral through several online services. This will give a more specific result, especially in comparison with the information already received from the seller.

Below I will give a sample plan for checking a car suspected of being pawned.

Register of notifications of pledge of movable property

The register of notifications about the pledge of movable property was created on the basis of the Federal Notary Chamber of Russia and is intended to determine the pledge of movable property: all vehicles that are subject to state registration. That is, this is exactly what we need, if not for one nuance.

The fact is that due to conflicts of legislation, information in the database of this resource is so far provided only on a voluntary, albeit advisory, basis. And, although many financial organizations are themselves interested in developing such a federal database and willingly cooperate, it does not receive 100% of the data on collateral.

Car pawnshops, for example, rarely bother with such shipments, especially since they are paid. And yet, using the VIN number, you can make a request for what is already there, and this is a lot today.

Vin.Auto.Ru

Vin.Auto.Ru - the service has a small database, but the check is fast and free, and an extra “run” will not hurt, because different organizations cooperate with different services and contracts may well be concluded with VinAuto that others do not have

Federal Bailiff Service

Federal Bailiff Service - you are no longer checking the car, but the owner himself using his passport details. If there were any lawsuits or proceedings against him with penalties, then all this will be displayed here.

A very useful portal not only for motorists, but also for many other cases. However, collection organizations, to which creditors usually transfer cases, do not immediately file claims, and the pledged car itself may even be on the “white” list, with payments made regularly and beyond any suspicion of fraud.

Therefore, additional verification resources will need to be used.

Mycarinfo

Mycar-info.ru is a check based on the NBKI database (national credit history bureau), to which about 1,200 organizations engaged in car lending and lending secured by vehicles are connected.

The portal's general database contains information about more than one and a half million vehicles, and this number is growing daily.

Method three: checking with financial institutions

If, after previous checks, your suspicions have not been dispelled, and the car is a very desirable purchase option, then you can continue your research. But now everything will be more complicated, longer, although more accurate.

At this level, two verification methods are used:

According to credit history bureau (BKI) databases;
According to the databases of collateral property of each bank.

Check by BKI

Applying directly to BKI with an imitation of a personal request - if you have all the passport details of the car seller and a photo of his passport on the first spread, then you can simulate a personal application to BKI for a credit history under the guise of its owner.

The main problem here is the requirement for a special subject code. But since few of the individual owners know this code, an online recovery procedure is provided for them on the website of the Central Bank of the Russian Federation.

When you receive such a code, you will have the right to apply with it to any BKI of your choice.

Basic

NBKI (National Bureau of Credit History) - has the largest database of borrowers and works with 1000 banks. I wrote above how to request information here;
Equifax is also a major player among BKIs;
Credit Bureau Russian Standard - stores all information about Russian Standard Bank borrowers. The information available here may not be available in the databases of other BKIs;
United Credit Bureau is a partner of Sberbank of Russia. Credit histories held by this bureau may also not be available in the databases of other credit institutions;

Rest

State Register of Credit History Bureaus - a catalog of all credit history bureaus in the Russian Federation with contact information on the website of the Central Bank of Russia.

Please keep in mind that the organizations listed above do not provide free services.

I also find it useful to provide you with a forum thread on the Banki.ru website, which collects information about which bank sends history to which BKIs.

Bank check

This method is quite tedious. You will need to go through the entire list of banks in the Russian Federation to check the information in the pledge registries of each of them.

Different banks have different access to these registers, but it is not completely public anywhere, as far as I know.

Some give access to such information online through, for example, authorized correspondence, some will need to be called, some will need to be written on paper, and some will need to be visited in person.

Also, not all banks will agree to simply provide an individual with the required information. Alternatively, you can take a power of attorney from the seller for this, or at least a photocopy of the PTS with the owner’s signature.

On the Banki.Ru website you can find a list of banks in the Russian Federation.

In Kazakhstan and Ukraine

In the republics of Kazakhstan and Ukraine, checking cars for security is essentially no different from the recommendations given for Russia. Even the legislation on this matter is almost the same. However, these countries do not have as many online verification services.

In Kazakhstan, there is one common portal-registry of collateral, combining movable and immovable assets, where you can apply for an extract from the register. However, at the moment this portal is under reconstruction.

In Ukraine there is a GRODI database (State Register of Encumbrances of Movable Property), which contains all cases of automobile liens, since free purchase and sale as in the Russian Federation is not there yet and the state continues to keep everything under control. Here you can order a notarized extract sent by mail for 200 UAH. And an online statement of pledges for 89 UAH. will provide the Carlife website.

Useful tips

Keep in mind that checking for collateral may not yield results for all or most methods if the car is new to the Russian market since the corresponding sections in the databases may not be created immediately;
You should take into account that, according to statistics, most often mortgaged cars are sold between the ages of one and three years.
If you decide to buy a used car from a dealership, then choose establishments with a history of several years and good reviews. Among the new unknown salons there are purely fraudulent organizations that specialize in deceiving clients.

Conclusion

Well, now you know what to do if a car makes you suspicious, and just for the sake of a preventive check for a deposit. The methods in the Russian Federation, in my opinion, are quite sufficient for any level of penetration.

Tell me what verification method you use and what the result was, as well as your impression after using the methods given in the article. I will add useful and interesting information to the article and indicate that you are the author.

That's it, dear readers. Subscribe to the blog, click the social buttons under the articles, don’t get bored and be careful when shopping.

Source: http://kulikavto.ru/kuplya-prodazha/kak-uznat-nahoditsya-mashina-v-zaloge-ili-net.html

How to find out whether a car is on credit or collateral?

Do you want to buy a used car? Then first check to see if the car is on loan or collateral.

After all, very often ignorant and naive buyers are deceived by scammers.

And also, not all sellers admit that the car is on loan or pledged to the bank.

How to check a car for credit or collateral is a topic that today we will consider in detail.

With the entry into force of the law that regulates the new relations of purchase and sale of used cars, cases of fraud have become more frequent.

This law, which, by the way, is also in force in 2018, would seem to significantly simplify the procedure for buying a used car. However, there is another side to the coin.

After all, earlier, when the old owner deregistered the car, the traffic police checked the car for “cleanliness”: whether it had been stolen, etc. Now, the traffic police does not check this information until the new owner purchases the car.

And it is at this point that the new owner of the car can get into trouble. Because, having bought a car, he will not know whether the car is “clean” or not.

Signs of a vehicle pledge

How to check that a car is pledged to the bank? There are several signs:

Sign 1. Information about the creditor bank in Casco . If such a mark is in the insurance policy, it means that the car was purchased on credit, and the owner has not yet repaid the debt.
Sign 2. Lack of original vehicle passport . If the owner provides a duplicate of the document, then this is a direct indication that such a car needs to be abandoned, since it may be “unclean”.
Sign 3. A short period of use of the car before its sale . If the owner sells a car that he has used for less than three years, then doubts creep in about the fact that this movable property is still pledged to the bank. The fact is that the bank usually gives the client no more than 3 years to repay a car loan.
Sign 4. Low cost of a used car . If the seller sets the lowest possible price for a car, then this can only mean that he wants to get rid of it as quickly as possible. Such a rush may signal that this car has a “bad history.” Therefore, before deciding to purchase a specific car, it is necessary to “monitor” other vehicles and study the price categories of the market for used cars of a given model.
Sign 5. Absence of the original car purchase and sale agreement . If the owner of a car “with history” refuses to present the contract, then this should alert the potential buyer. Perhaps he simply does not want the potential buyer to find out that the car is under collateral.

You can do this in several ways:

Method 1. Check the car for collateral using the VIN code

To do this you need:

Find the register of notifications about the pledge of a vehicle. You can find it on the website reestr-zalogov.ru or bigro.ru.
By clicking on the “Register of Notifications” tab in the window that opens, click on the “Information about the subject of collateral” button.
In the new window, in the “Vehicle” tab, enter the VIN code, then click on the “Find” button.
If the car is not pledged, the search engine will not find anything. The display search will say “0 records found.”

The VIN code is indicated in the vehicle's passport, as well as under the hood, on the driver's door, under the carpet, and on the seat belts.

Method 2. Check the car in the traffic police database

To do this, you need to come to this organization and submit an oral request for a car inspection.

Data received by the traffic police can show whether the car is stolen, wanted, or whether there are any restrictions on it imposed by law enforcement and judicial authorities.

You can also check the car yourself using the traffic police database . To do this, you need to go to the official website of this organization - gibdd.ru, on the right side of the site click on the “Car Check” button.

Next, the system prompts you to enter the VIN number, as well as indicate the verification numbers in the picture. After this, the user must click on the “Check for restrictions” button.

If the car is not wanted, it is “clean”, then the user will see a window with the following information:

If the car is still wanted for some reason, the user will be told about this in the verification window.

Another database by which you can check a used car is the bailiffs database . The website of this organization is fssprus.ru.

By visiting this site you need to:

Click on the “Data Bank of Enforcement Proceedings” button. Using this data bank, you need to check the person who is selling the car.
Enter the following information about the owner of the vehicle in the appropriate fields: full name, date of birth, territorial authority. After this, you need to click the “Search” button.

Using this database, a person can check whether a case has been filed against the owner of the vehicle by bailiffs for some reason, for example, debts. If there is a debt, the database will report this.

Method 3. Checking original vehicle documents

How to find out when buying a car: whether it is on credit or not? When purchasing a used car, when meeting with the seller you need to ask him to present the following documents:

PTS (vehicle passport) . Here it is important to pay attention to the number of owners and the period of ownership of the vehicle of each owner. You also need to pay attention to the “Special notes” column. Here you should look to see if there is any information in the columns that this PTS is a duplicate. If the reason for the duplicate is not indicated (for example, loss of title), then you should not take such a car. The fact is that it is the duplicate issued to replace the lost one that is the very loophole through which credit machines are sold. Why is this happening? When a person takes out a car on credit, the car dealership takes away his title. The person then goes to the traffic police and asks to be given a PTS, because he seems to have lost his previous one.
STS (vehicle registration certificate) . In this document you need to look at the year of manufacture of the car so that it is the same as in the ad. You also need to compare the VIN code with the car, the owner’s data: his last name, first name, patronymic and the date when the car was registered.
Rights . They are needed for a person to make sure whether the owner is selling the car or whether it is a reseller, an agent.

Method 4. Contact a specialized company

Today there are a huge number of companies providing expert assessment services for cars. Their advantage for the user is that he will not need to delve into the entire process of checking the car.

However, there is also a significant disadvantage - you will have to pay a tidy sum for the services of such companies.

Checking the car according to the state. number

To avoid problems when buying a used car, you need to check its state registration. number. To do this, there are many online resources on the Internet, companies that provide such a service for a fee.

How do they work? They collect information from different data sources: banks, customs, courts. Traffic police, government agencies, and then help potential buyers check a particular car.

After checking the car according to the state. number, you can find out the following information:

whether this car was involved in a traffic accident;
What kind of damage did the car have (if any)? Information is provided with photos and videos;
whether the car had a taxi status.

Buying a used car is beneficial from an economic point of view . However, it is not always safe from the legislative side.

And if a person does not know how to check a car for a loan or collateral, does not use the above tips or does not contact relevant organizations, then he risks buying a “problem” car.

Video: How to check cars and owners for debts

You will be interested in:

Source: http://pravo-auto.com/kak-proverit-mashinu-na-kredit-ili-zalog-2/

437. How not to buy a mortgaged car? How do they sell a pawned car for 3 million rubles, hiding it? — DRIVE2

Hi all. Today I will delve a little deeper into the topic of collateral cars with examples that I come across from time to time.

In my post I will explain how to check a car for liens? What is a pledge registry and why is it not a panacea? Why do you need to check your car using all existing databases? What is a notarized certificate of pledges? I’ll also tell you about the innovation of the traffic police website and tell you how to use it. Previously, I wrote a post about the legal verification of a car.

405. Checking the legal purity of the car.

Blog navigation 1
Blog navigation 2, there you can find 3/4 of the answers to your questions.

I'll start the post with a video. I looked at the VW Polo sedan, should I make a post about it? And the car ended up being pledged, which is not listed in the pledge register.

On which portals can I check the car?
In the traffic police on their official website
In several banks on Auto.ru
For creditworthiness, pledges, in the register of pledges.

The owner of the car himself on the FSSP website - Federal Bailiff Service. Just find out whether there are debts or not, and what the size of these debts are.

And also, they have an application for the phone, both for iPhone and for Android, everything is very simple and convenient there.
Paid check for pledges on the Banki.ru website

The traffic police website began to work differently. You can check a car by VIN for an accident . And I’ll tell you that it’s certainly worth checking! But you cannot trust this information 100%. For example, I’ll tell you about my car! There were official accidents, but they are not listed on the traffic police website. It is worth understanding that there are unofficial accidents.

If a person overturned a car on the highway due to his stupidity, there will be no information about the accident, and the car will be bad. But it’s worth checking for accidents on the traffic police website, as one of the indirect checks, in order to understand whether to go and look at this car or not. If they don’t give you the VIN of the car they are selling, send the seller to hell.

As an example, I will say that they often tell me that the car has no accidents and no paint, but in fact, there were several accidents and it was noted that the entire right side was damaged. Should you go and look at such a car, if initially it is presented as unbeatable, unpainted and asking for a lot of money for it? Of course, it's not even worth going.

How to check if a car is pledged

Buying a used vehicle is always a risky step for the future user. After all, the risks lie not only in the technical malfunction of the car, but also in the possibility of purchasing collateral vehicles.

For the new owner, such a situation may result in parting with the purchased car and the money spent on it.

That is why you should carefully approach the choice of a used car; you must check the car for collateral or credit.

Loan secured by vehicle

If you take out a car loan, the car acts as a kind of guarantee of future payments. The agreement between the financial institution and the buyer of the car provides for the location of the vehicle title from the lender. The PTS will return to the owner only upon completion of the debt obligations.

Also, many financial organizations provide cash loans for various needs secured by a car. And this lending option is another way to encumber a car with collateral.

The way out of such situations can be urgent money secured by the title of the car.

It turns out that a secured loan is not an obstacle to selling a car. But for a financial organization it makes no difference who takes the car from if the debt is not paid. And the buyer’s ignorance of the vehicle being encumbered with collateral does not exclude the possibility of its collection in favor of the lender. Most often, the courts subsequently side with the latter.

The only legal way to sell a mortgaged vehicle is through an agreement with a potential buyer.

He can pay the entire required amount on the loan to the bank, and give the difference between the payment and the cost of the car to the seller. One way or another, the owner is obliged to warn the buyer about the mortgage status of the car.

Otherwise, the transaction may be declared invalid, and then the former owner of the vehicle must return the funds to the buyer.

Indirect signs of a pawned car

To avoid getting into such situations, you should know the signs of a pawned car. A direct indicator of this is the entry about the creditor organization in the comprehensive insurance policy.

The presence of this mark indicates the purchase of a credit car that does not yet have a clean history, that is, the debt has not been repaid.

There are also several indirect signs that can be used to suggest that a car is pledged.

Lack of original PTS. Obtaining a copy of this document is easy, and the procedure will take a minimum of time. After submitting an application to the State Traffic Safety Inspectorate, the owner is issued a duplicate PTS with the appropriate marking. It’s worth thinking about buying a car if you don’t have the original title.
Minimum period of ownership of the car by the previous owner. To repay a car loan, the car owner is usually given no more than 3 years. Therefore, when buying a car that served its previous owner for less than 3 years, you risk running into mortgaged property.
Purchasing a car under a commission agreement. If there is a corresponding entry in the PTS, then it should alert the future owner of the vehicle.
Low cost of the car. Studying price trends in the secondary car market will help identify the suspiciously low cost of the car. Such a “freebie” indicates the seller’s desire to quickly get rid of the vehicle.
Absence of a car purchase and sale agreement. This document also contains information about the purchase of the vehicle that is the subject of the pledge. Therefore, the absence of one should alert the buyer.

Remember! The absence of all these signs does not indicate the legal purity of the vehicle. For example, a car pledged to a pawnshop is extremely difficult to check for debt.

How to check a vehicle for collateral at a bank

The issue of checking a car for collateral with a bank is relevant for most potential buyers of a used car. Today, it is possible to determine the legal cleanliness of a car in several ways:

1. Verification of vehicles using personal VIN number. This process is free and can be completed online. In order to find out the information you are interested in, you should go to the website of the Register of Collateral Property www.reestr-zalogov.ru and enter the vehicle’s VIN number in the appropriate line. After completing these steps, all the necessary information on the car debt opens.

Important! The lack of information on the website about a possible pledge of a car does not at all guarantee the opposite. After all, registration of pledged vehicles in the register is voluntary, not mandatory. Consequently, the owner of the car decided simply not to enter the data into the registry.

2. Check in the registry of pledged cars using the link vin.auto.ru. This site is an initiative of some banks who decided to create a project for exchanging information about mortgaged cars. Finding out information about transport for collateral at a given address is simple and does not take much time.

3. Check the car in the traffic police database using the link www.gibdd.ru/check/auto. Such a database will not reveal the presence of a mortgage on the car, but it will help check other restrictions on the sale of a car. Search, theft, seizure by court - all such information about your future car can be found on the traffic police website.

How to avoid falling into the hands of scammers

When buying a used car, you should study the legal side of the issue. It is worth paying special attention to the consideration of the purchase and sale agreement. Proper completion of this document ensures that there are no future troubles that the car may cause to the next owner. Focus on the presence of the following data in the document:

passport details of the parties;
all technical information about the car;
car cost;
place of drawing up the contract;
date of signing the document.

Important! It is mandatory to have the signatures of the parties at the end of the drawn up agreement. Check that all information about the vehicle has been copied exactly from the title. Please note that from the legal side of the issue, it is important to mention in the text of the document that the car is not collateral for a financial organization.

What to do if the purchased car is mortgaged

Of course, you can try to recover funds from the former owner of the car. But you must admit that people are usually driven to such unscrupulous actions by their difficult financial situation. Therefore, there is no point in counting on a refund.

Carefulness will help you rid yourself of fraudulent activities:

it is better to refuse the offer to purchase a car for which there is no original title, only a copy;
the greatly reduced cost of the car relative to the market price should also alert the future owner;
check the availability of all documents for the vehicle: comprehensive insurance policy, purchase and sale agreement, etc.

Buying a used car is always a risk. By purchasing a car that is pledged to the bank, the new owner automatically takes upon himself to repay all debts on it. Only a new car can guarantee the absence of a vehicle credit history.

Source: http://kredit-blog.ru/avtokredit/proverit-v-zaloge-mashina-ili-net.html

Autocode - official website. Checking a car according to state standards. NUMBER or VIN code

When purchasing a used car, remember that a technical malfunction is the least that can happen to it in the future. It’s much worse to run into buying a pawned car. So the car will be taken away, and no one will return the money. Therefore, experts advise checking the car as carefully as possible. Autocode will tell you how to correctly check your car for a deposit.

How to check a car for collateral yourself

A pawned car may show obvious signs. For example, if the car was purchased on credit, then the CASCO policy will indicate the name of the organization that issued the loan. This means that the debt has not yet been paid by the owner of the car.

How else can you find out about collateral:

During the transaction, ask for the original PTS - in case of collateral, the lender keeps it for the duration of the loan. In this case, unscrupulous sellers show the buyer a copy of the technical passport, which is easy to obtain upon request from the traffic police.
If no more than three years have passed since the car was purchased from the dealership, then it is probably on a car loan. Three years is the period given to repay the debt.
If the title says that the car was purchased under a commission agreement, then this is another reason to think about it.
Before purchasing, you should carefully study the market. The price of a car that is too low may indicate that the seller wants to get rid of it quickly. How much do used cars cost, read in our special material.
The seller must provide a sales contract. If he is not there, then perhaps he wants to hide something from you.

Also read: Duplicate PTS: how dangerous it is and how to distinguish it from the original

If a personal check does not produce results, or you doubt your competence, then it is better to continue checking the car.

Check a car for collateral with the help of financial institutions

You decide to contact financial institutions to continue checking before purchasing. However, remember that it will take a lot of your time, and be prepared to sacrifice it.

Where can you get information about the pledge:

Credit history bureau. These are companies that legally store credit histories and provide credit reports. You can make a request under the guise of a car seller if you know his passport details. However, the difficulty is that for this you need to provide the subject’s personal code on the website of the Central Bank of the Russian Federation. Its meaning is similar to the Pin for a bank card and is only needed to access credit histories. Most borrowers do not know about it, so there, on the Central Bank website, you can use the code recovery procedure. After that, any players in the bookkeeping market are at your service.
Checking with banks is a very long and tedious method. You will have to look at the register of each bank yourself. The downside is that not all of them are publicly available. A complete list of banks in the Russian Federation is available on the Banki.ru website.

In both methods, verification without the seller’s data will not be possible. At a minimum, you should have an exact copy of the PTS with a signature in your hands.

Check a car for collateral online

A specific and quick result will be obtained by checking through online services. In this case, both government and commercial sites will come to the rescue. Which one to use is up to you. To know for sure, you can go through them all at once.

The register of notifications of pledge of movable property is presented by the Federal Notary Chamber of Russia. Here you can identify all types of vehicles that are pledged. The disadvantage of this service is that financial organizations send data here at their own request. Therefore, there is a possibility that the secured vehicle may not be entered into the database.
The Federal Bailiff Service will help you check not the car itself, but its owner using passport data. You will see what penalties were carried out against this person. However, debt collectors usually do not file lawsuits right away. And one more thing: if the car owner regularly repays the loan, then you will not find the car here.
Autocode is a paid service that checks the history of a car, including the presence of liens. The price of the service is compensated by the advantages of the site - in just 5 minutes you will find out the full history of the car (mileage, technical inspection data, participation in an accident, history of registration actions and much more). In order to carry out the verification, you can enter known data, for example, vin or license plate number of the car.

Pledge data comes from the pledge register at the Federal Notary Chamber. You can find out whether a car is pledged via Autocode at any time of the day or night. If something is not clear, you can always call the support service, it works around the clock.

In any case, the car should be checked with special care, unless, of course, you care about the money spent and the vehicle purchased.

Also read: What are the risks of buying a car with collateral?

Source: https://avtocod.ru/Kak-uznat-nahoditsya-li-avtomobil-v-zaloge

Ways to check a car when buying: mortgaged or not

07.03

Buying a car is a complex and specific process. Each buyer must not only evaluate the technical condition of the car, but also make sure that it is not encumbered.

There is a possibility that the car was purchased on a car loan that has not yet been repaid. Also, a car is often used as collateral. Under such conditions, the buyer is at risk of losing the acquisition without a refund of the money paid for it.

Therefore, it is important to figure out how to check the purchased car for collateral or credit.

The concept of a pledged car

First, let's understand what a pledged car means. It is represented by the car used by the owner when taking out a loan as collateral.

The deposit indicates that there are restrictions on the use of the car. The vehicle should not be sold, exchanged or given away, but often vehicle owners try to use fraudulent methods to sell the car and generate income.

A car can be pledged for various reasons, for example:

Initially, a loan was issued for its acquisition;
it was used to obtain a loan, therefore it was provided to the credit institution in the form of collateral.

In any case, the bank has the right to confiscate and sell such a car, so before buying you should figure out how to check cars for credit. For this, different methods can be used, and it is advisable to use all of the above.

Signs of an encumbrance

It is possible to determine whether a car is on credit or not using various methods. Even when communicating with the seller and studying the documentation for the vehicle, significant signs are revealed:

Main features of collateral	Their features
The seller only has a copy of the PTS	It is the original document that contains information about the encumbrance. Obtaining a duplicate of this document is quite simple, for which you need to submit an application to the traffic police.
It hasn't been long since I bought the car	Fraudsters usually try to sell the car as quickly as possible. If the car was purchased less than three years ago, then there is a possibility that it is the subject of collateral with the bank. Typically, a car loan is issued for a period of 3 to 5 years, so it is advisable to buy cars older than five years.
It hasn't been long since I bought the car	Fraudsters usually try to sell the car as quickly as possible. If the car was purchased less than three years ago, then there is a possibility that it is the subject of collateral with the bank. Typically, a car loan is issued for a period of 3 to 5 years, so it is advisable to buy cars older than five years.
Low price	To quickly sell secured vehicles, sellers often set a low price. In any case, such a proposal should alert the buyer, since even if there is no encumbrance, there is a possibility that the car is in poor technical condition.
Lack of documents for the car	Often the seller does not have documents confirming that he bought the car himself. This is usually because the document indicates a credit sale, so the seller does not want information about the collateral to be obtained by the buyers.

An additional concern is the situation in which the sale of vehicles is carried out under a commission agreement.

How to find out if there is a collateral

Car buyers often think about how to check their cars for collateral or credit. The process is performed in different ways, with each method using different data and services.

It is possible to obtain information even on the Internet, so you do not have to leave home or visit different organizations.

How to get PTS data

You can check whether a credit car is being purchased or not if you have data from the title. This method is considered the most popular.

The original may not even contain marks indicating that the car was purchased on credit, so it is often impossible to understand that the car is not pledged under the title. But it is still recommended to study this document.

Using the VIN number

When checking for collateral, theft, credit or other encumbrances and problems, the car's VIN is often used. This number is easy to find as it is stamped on the engine or doors by the manufacturer. Although this method is considered effective, it does not always provide the opportunity to obtain the necessary information.

VIN is represented by the serial number of the car, which is recorded individually for each car and does not change over time. All operations with vehicle registration are carried out only when using it. This method does not provide 100% accurate information, but is often used.

When using this method, you can use different online services. For this you will have to pay a certain fee: from 200 to 600 rubles. It is optimal to contact the official traffic police service - gibdd.ru/check/auto/ or use third-party resources: 1gai.ru or vin.auto.ru.

The question arises, how to check the car you are buying for credit using this method. To do this, follow these steps:

go to the selected site;
enter the VIN number of a specific car;
indicate the full name of the owner or information from the title, if required;
get the result with notes about all restrictions.

But even the official website of the traffic police does not guarantee the relevance of the information.

How to get information from BKI

When studying all the ways to find out how to check a car for credit, buyers often turn to the BKI - “Credit History Bureau,” which contains information about borrowers.

The difficulty of contacting this institution is that there are many such offices in the Russian Federation, so the specific bureau where the applicant is applying does not always contain the necessary data. Also, not all banks transmit information about borrowers to this organization.

By contacting the BKI, it is possible to obtain information about whether the seller has current loans, as well as find out whether enforcement proceedings have been opened against him.

If you have debts, immediately go to the FSSP website to find out about open proceedings, and if they exist, there is a high probability that the car has been seized.

The seizure of the car imposed by the bailiff is lifted only after the debt is repaid.

To obtain data from the BKI, you should go to the website and leave a request. For this you will have to pay approximately 300 rubles, and the information will be received by email.

Is it possible to find out information on CASCO?

When buying a car using borrowed funds from the bank, an indispensable requirement is the purchase of a CASCO policy, issued for a year or for the entire loan term. The presence of such insurance should arouse suspicion among buyers, as this is a significant sign of encumbrance.

But the seller can simply hide that he has such voluntary insurance by showing the buyer only the MTPL policy.

Studying information from the car purchase agreement

When reviewing the title, you can also find out exactly how the car was purchased. In this case, the following nuances are taken into account:

if there is a note that the car was purchased under a car purchase and sale agreement, this is a good sign;
if it is indicated that the sale was carried out under an agency agreement, this indicates that a lending institution was involved in the transaction, so there is a possibility that the loan has not yet been repaid.

Even such small details can help the buyer recognize the main features of the collateral.

Using the site reestr-zalogov.ru

This portal is represented by a database of collateral machines. Here you get information about whether the car is pledged. To do this, perform the following steps:

go on the website;
enter the VIN number or information about the owner of the car;
get reliable information about the car.

The information is provided free of charge, and there is no need to pay to receive the data, so it is advisable to use this method.

How does a credit encumbrance differ from a collateral?

Every person planning to buy a car must make sure that the car is not listed as a collateral or loan. This takes into account the difference between encumbrances:

Any car is pledged;
Only a car purchased with borrowed bank funds can be credited.

If a car was purchased with bank money, the seller is not its owner, so the bank has the right to seize the vehicle and sell it regardless of transactions made by the borrower. Under such conditions, it is easy to become a victim of scammers. The car becomes the property of the borrower only after the loan has been repaid in full.

Additionally, other types of encumbrance are taken into account, for example, arrest. It is imposed by bailiffs if enforcement proceedings are opened against a citizen.

Bailiffs have the right not only to seize property, but also to sell it at auction to pay off the debt.

In this case, the buyer loses the car, so any suspicious information about the car should alert the potential buyer.

Why is a credit machine “more dangerous” than a collateral machine?

The owner may consciously pledge the car as collateral, but this does not mean that the vehicle was purchased with credit funds.

In this case, the owner is still an individual, so if, after the sale of the car, demands are made against the new owner by third-party organizations, he has the right to reject them, since he has an official contract on the basis of which the car was purchased.

If all the money has not yet been paid to the bank for the credit car, the financial institution seizes the car from the buyer, since in fact he is the owner of the vehicle.

Consequences of buying a credit car

All people know that a car purchased with an encumbrance threatens to have numerous negative consequences, namely:

for non-payment of the loan, the bank has the right to seize the car, after which it is sold at auction, and the funds received from this are used to repay the loan;
you will have to return the funds previously transferred to the seller, for which you will need to go to court if the citizen does not agree to voluntarily solve the problem;
If a person does not have valuable property and official work, even the bailiffs are not able to recover funds from him.

Therefore, it is necessary to check a car for collateral using different methods.

What to do if you bought a credit car

Often, the buyer learns about the encumbrance after signing the contract and transferring funds to the seller. Information can be obtained even from the bank where the car loan was issued. In this case, you need to sue the former owner, and it is advisable to use the help of an experienced lawyer.

By court decision, the seizure is sometimes contested, but usually the transaction between the borrower and the buyer is declared invalid, so the bank seizes the car for the purpose of subsequent sale at auction. In this case, you will have to file a lawsuit against the seller again to recover funds.

Thus, before purchasing any car, you must carefully check the legal purity of the transaction. It is important to make sure that there is no encumbrance on the car, for which different methods can be used. Most of these methods do not even require visiting any organizations, since the verification is carried out using services on the Internet.

Source: https://WseKredity.ru/pod-zalog/kak-proverit-mashinu.html