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Buying and selling used cars is a quite common phenomenon in our time, even despite the fact that a lot of documentary formalities are associated with it, and there are more questions on this topic than answers. One of the difficult moments is the sale of a car without registration. Given the fact that our legislation is changing very quickly, it would be useful to figure out what this process will look like and what needs to be envisaged so as not to be in opposition to the law.
Legislative basis
The very fact of non-registration on the right of ownership does not have any impact. The owner of the car will still remain so even if the registration of the vehicle has not been completed.
But driving on Russian roads in such a car will already be quite problematic for him.
Another important aspect of this issue is the registration period. According to Russian law, after purchasing a vehicle, the new owner has 10 days from the date of conclusion of the contract to re-register the purchased vehicle.
It's important to remember here:
- Vehicle registration is the responsibility of the buyer, not the seller. This means that before the sale, the latter is now not burdened with necessity;
- you can register a car in any region of the Russian Federation, without reference to the buyer's registration;
- the new owner has the right not to change the state license plates assigned to the car.
So, we found out whether it is possible to sell a car without registration. This possibility exists, but the period during which this can be done is limited to ten days. At the same time, any driver will say that it is extremely difficult to find a buyer in such a short period. But even in such a situation, there is always a way out.
Why are they selling unregistered cars?
With the advent of recent changes in the legislation, the procedure for registering with the traffic police has been greatly simplified. In particular, if the engine was replaced with a similar one, then this fact is simply recorded in the TCP and the database during re-registration due to a change in the owner of the vehicle. Today, the entire procedure can be completed within one hour.
At the same time, the duties that each car owner is obliged to pay when applying to the traffic police with an application for registration of a purchased vehicle have significantly increased. It is this circumstance that most often forces owners to seek the possibility of selling their car bypassing the prescribed procedure. Nevertheless, the reasons for such actions can have completely different backgrounds.
First owner
The sale of a car without registration with the traffic police by the first owner may be due to such circumstances: 
- the car was taken on credit, and the owner’s financial situation has changed, which no longer allows him to bear the burden of monthly payments;
- the owner discovered that the car he bought is a "cut" or has been in a serious accident;
- the purchased vehicle did not meet the expectations of the new owner;
- the owner was interested in the new model;
- the cost of maintaining the car has increased, which significantly affects the budget;
- the owner of the car decided to give it to his relative or children;
- urgently needed money for other purposes.
In a word, all the circumstances that force you to say goodbye to your faithful assistant can be divided into three groups:
- Previous history of the car.
- Family circumstances.
- Personal whim of the car owner.
Please note that we can talk about selling not only a used car, but also a brand new car bought at a car dealership. In addition, a car from the first owner may not always be used. She could be bought and just stood in the garage. At the same time, the owner did not bother to register it, which, as described above, he had every right to do, since he did not use it.
Multiple owners
The situation with a car that has been in the hands of several owners may look a little different. Most often, there is a resale of a car without registration as a result of an outbid, which has not lost its relevance in 2019. At the same time, the schemes by which the purchased cars are sold can be very different and depend primarily on the seller, and not on the buyer. The main ones include:
- on the basis of a general power of attorney;
- under two contracts of sale;
- under a commission agreement;
- with design for yourself.
Thanks to the same changed legislation, the work of resellers has become much easier - precisely because of the amendments in that part of the law that talked about deregistration of a car by the previous owner.
Nevertheless, the resale of a car without registration in the case when the vehicle was registered with several owners is associated with some degree of risk. This may be caused by the following reasons:
- the car has been in a serious accident;
- something is wrong with the documents;
- during the sale, the actual mileage of the car was deliberately underestimated in order to mislead the buyer and present the vehicle in a more favorable light.
Of course, the reasons for the sale may turn out to be purely banal - the buyer got excited with the purchase and wants to get rid of it as soon as possible. In any case, when buying such a car, you need to be extremely vigilant. 
Ways to solve the problem
Just as there is a way out of any problem, so our situation has solutions. It is well known that the main document that is submitted when registering a car is a title paper. In this case, we are talking about a contract of sale. In order for the registration of a car in the traffic police to go smoothly, you should make sure that the fact of the conclusion of the transaction, the date of its completion and the signatures of both parties are entered in the TCP.
If you know for sure that you are going to sell a car without registration, in this case you just need to enter in the PTS data about the previous owner and the person to whom you want to sell the car.
If the contract was drawn up for you, then you need to cancel it and conclude a new one with the next owner, without fail indicating in the passport for the car that the previous transaction has become invalid. To reduce all risk to nothing, you need to cancel the document by the same number that is indicated in the technical passport.
As an option, you can turn to resellers who, using the schemes indicated above, will carry out the entire operation from start to finish, not forgetting, of course, about their own benefit.
If there are no records of the new owner in the TCP, then you can simply take the signature from the previous owner on the contract and a copy of his passport, and when selling, enter information about the new owner in the document. Thus, it will turn out that your data will not even appear in the transaction process.
In short, a solution to this problem can always be found. The main thing is to be careful. After all, the legislation in this area can hardly be called finalized, which may allow representatives of the law to turn the situation in their favor.
How to register cars with the traffic police: Video
08 Nov 2017
There are many circumstances that require the sale of a mortgage car. One of the most common is the lack of funds to pay off debt. We have already written about the consequences of non-payment of debt, and now we will consider whether it is possible to sell a car that is on credit.
Possibility of selling a mortgaged car
After the conclusion of the transaction, the buyer is obliged to register the car and within 15 days to provide the title to the bank for storage, the return of which is made after the full payment of the loan. The borrower, although he becomes the owner of the car, cannot fully dispose of it (sale, exchange and donation) without the consent of the financial institution.
Some financial institutions offer loans in which the title remains with the borrower. But this is only a marketing ploy, because the sale of a car requires permission from the bank, and interest rates for such conditions are higher than market ones.
How to legally sell
There are ways to legally sell mortgage cars
Self sale
The seller independently places ads and is looking for a buyer. This is the most profitable way, because it is possible to sell the car at the best price. The difficulty arises in the fact that, having learned that the car is on credit, not all potential buyers will want to deal with additional risks and difficulties when buying a car. For a successful transaction, it is necessary to put the value of the car below the market value.
The procedure for the sale, if the TCP is in the bank:
- The borrower finds the buyer and informs him that the vehicle is a loan
- Notification of the bank manager about the desire to sell the car and early repayment of the loan
- The buyer repays the balance of the debt (or reissues the loan to himself), the loan is closed and the title is returned (up to 1 month)
- Conclusion of a contract of sale, transfer of documents and keys to the new owner
It will be possible to sell a car on credit with full closure when more than 25% of the cost of the car has been paid (advance payment + principal debt).
If the deposited amount is lower, then most likely the borrower will have to pay extra. This is due to the fact that in the first year the car loses 15-20% of its value, and insurance (hull insurance, life insurance) and commissions for the transaction are also paid when applying for a loan.
If the buyer wants to reissue the loan for himself, he needs to provide the bank with a complete package of documents, after which a decision is made on the possibility or refusal to assign the debt to a new borrower.
Through the bank
The design process looks like this:
- The borrower notifies the bank that he is unable to pay the loan. Hands over keys, documents and vehicle to an employee of a financial institution
- The car gets to the site of the bank and put up for auction. The buyer with the highest bid wins.
- A tripartite agreement is drawn up between the borrower bank and the buyer
- Loan repaid and deregistered
The main advantage of this method is the speed of the transaction, and the disadvantage is that the cost of the car is estimated at 10-15% below the market value and 15% income tax is paid.
If the bank has financial difficulties in issuing deposits, it may offer the depositor a collateral vehicle instead. Or it can be an alternative when the seller finds a contributor on his own.
With a consumer loan
In this case, the process will take place in stages:
- The borrower takes a consumer loan from another financial institution and with the help of these funds will pay off the debt for the car.
- The bank gives the title to the borrower, and he sells the car
- Repayment of a consumer loan from the proceeds from the sale of the car
With this method, the price of the car will be the market price, the minus is the interest and commissions on the loan.
Through a car dealership
Car dealerships buy back credit cars according to the trade-in scheme:
- The seller brings the car and documents for it to the car dealership
- Performs diagnostics and evaluation at the dealership
- The borrower draws up a power of attorney for the salon, which pays the balance of the debt
- Registration of a tripartite agreement in a bank
- The car is taken out of the mortgage
Such a sale process is quick, but the value of the car is slightly below market value.
It is also a good option for people who want to trade in their vehicle for a different model. The replacement process is only one day.
Through firms that offer urgent buyouts
The registration procedure is similar to selling a car on your own. Before concluding a transaction, the seller is asked to provide documents:
- A copy of the vehicle owner's passport
- Loan agreement
- CASCO and OSAGO insurance contract
- Copy of TCP
In order to reduce the time of the transaction before its conclusion, such firms ask the seller to write an application to the bank for the temporary issuance of the title (up to 10 days) under any pretext (replacement of the STS, numbers, etc.). In this case, the execution of the entire transaction will occur in one day.
Thus, the owner has many options on how to sell a credit car. And it would be better to sell a mortgage car before the occurrence of delinquency than after a court decision to be left without money, without a car and with a damaged credit history.
Tags:Olga Shcherba
In connection with the installation in all MREOs of the Russian Federation of special programs for issuing registration numbers, it has become problematic to get a beautiful combination of numbers when registering a car. In this situation, the owners of "beautiful" numbers have the opportunity to get a considerable amount for their "overweight" to another car. Therefore, many owners of signs with an original combination of numbers are interested in information on how to sell numbers separately from the car.
According to the Laws of the Russian Federation, it is absolutely legal to transfer a license plate together with a car being sold. If the owner of the car does not want to part with the number, he can reserve the right to use it for himself by depositing it with the traffic police. But is it possible to sell the license plate separately from the car without breaking the law?
By law, it is impossible to directly transfer the rights to use the registration number to another person. Registration numbers are the property of the state, and a private person is not entitled to make purchase and sale transactions with them. Therefore, the procedure for “overweighting” the number is semi-legal, and the traffic police understand what manipulations the car owners are doing.
But there is no direct prohibition in the law on such actions, therefore, no one can prevent motorists from making such transactions with state property. As well as punishing the participants in the process of “overweighting” the number for such manipulations with vehicles.
The purchase and sale of vehicles with subsequent re-registration is a normal and legal process, therefore the legislation of the Russian Federation allows the transfer of license plates from one car owner to another. But this transfer of rights to signs can only be carried out together with the car. In fact, the car is being re-registered with the subsequent transfer of the right to use the number from it to another person.
Is it possible to buy a number officially in the traffic police
Proposals to legalize the sale of "beautiful" numbers at the state level have already been received by the State Duma of the Russian Federation. In 2014, a representative of the Just Russia party made such a proposal. The bill lay in the Duma without movement until 2016 and was considered in September. It was proposed to organize the sale of beautiful rooms through special auctions.
However, in connection with the introduction of the program for the automatic issuance of state numbers, proposals for their sale have lost their relevance. The topic of selling "beautiful" numbers at the legislative level was recognized as unpromising, and the hearing of the Law was postponed once again.
However, in the West, the legal sale of original numbers is practiced. For example, several years ago, a number consisting of one digit “1” was sold at an OJSC. The car owner laid out for such an original registration plate the amount of 14 million dollars. Such transactions are quite legal in other countries. Therefore, the possibility of adopting such a law in the Russian Federation potentially exists.
What are the sales options?
If a motorist wants to transfer a license plate to another person for a fee, he can use one of the following options:
- The owner of the number sells the car to the buyer along with the number assigned to it. The buyer registers the car for himself, and then resells it to the former owner. At the same time, he writes a statement about the desire to reserve the right to use the number. Thus, the number is assigned to another person. The seller of the “beautiful” number registers his own car again under a different, regular number. The “beautiful” number is subsequently used by its buyer to register their car.
- The second option is most acceptable if the "beautiful" number is stored in the traffic police. In this case, registration actions are performed with the car of the buyer of the number. The owner of the number buys the car from the second party and registers it for himself using the number stored in the traffic police. Then he, along with the number, sells the car to the previous owner.
Reference. There are intermediary firms that take part in the execution of transactions for the overweight of numbers. Often, these organizations use their "dummy" cars to process transactions. If the seller of the number cannot find a buyer on his own or does not dare to contact strangers, it is advisable to use the services of such firms.
How to document a deal
The transaction for the sale of numbers is legally referred to as the re-registration of a car.
The procedure is quite official, therefore, it requires the submission of a standard package of documents:
- Parties' passports.
- OSAGO policy.
- Power of attorney (if the transaction is not made by the owner of the car).
With this list of papers, you need to contact the MREO and write an application for registering a car. After the standard procedure for inspecting the numbers and verifying the VIN code, the traffic police officer will re-register in the usual manner.
What are the prices for "beautiful" rooms and their features
Before negotiating with potential buyers about the excess of the registration plate, the owners of the original numbers need to find out how much the “beautiful” combination of numbers on the car costs in 2018.
Getting a "beautiful" number is quite an expensive pleasure. Internet pages are full of offers from sellers, and the cost depends on the combination of numbers and letters, as well as on the method of reissuing. Registration through an intermediary company involves an additional fee for services. If you agree with the owner through personal negotiations, you can save these funds.
The price also depends on the region in which the transaction for the "overweight" of numbers to another car is made. For example, in Moscow and St. Petersburg, prices are an order of magnitude higher than in provincial cities.
Approximate prices for the original number combination are as follows:
- The most expensive are the "lucky" numbers, consisting of three sevens or nines. They will cost the buyer amount from 70 thousand to half a million.
- Somewhat cheaper you can buy numbers consisting of three identical digits. The cost of such combinations starts from 50 thousand.
- For "mirror" numbers (a digit between two zeros or a zero between two identical digits) amount from 25000 rubles.
Important. It is worth adding another 10-15 thousand rubles to the cost of the original number for the re-registration procedure and the issuance of an OSAGO policy. These payments are most often the responsibility of the buyer, but other arrangements may exist.
Risks and nuances of registering the sale of marks
It will not be difficult for its owner to find a buyer for a “beautiful” number, since there are enough people who want to become their owner. At the same time, the more unusual the combination of numbers, the higher the chances of selling them quickly and for a good price.
But the seller needs to be extremely vigilant and carefully select the buyer. After all, the transaction involves the transfer of the right to a car, albeit temporarily, to another person. In this situation, the seller of the number, who gives it away along with the car, risks being left without a car if the buyer turns out to be a fraudster and does not re-register the car to the previous owner. It is advisable for the seller of the number to stock up on documents that allow, in case of force majeure, to win the case in court.
There is nothing illegal in selling numbers separately from the car, the main thing is to follow the procedure for re-registering the car in sequence. Therefore, all doubting owners of "beautiful" numbers, who wish to derive economic benefits from their sale, can be advised to find a reliable buyer and make an "overweight".
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Sometimes it happens that you need to sell a car without registering in your name. A similar scheme usually operates with vehicle resellers who are professionally engaged in this, but ordinary people can also get into this situation. For example, almost immediately after the purchase, money was needed, or the car was bought for spare parts, or it was not used for other reasons. Let's see if this way of buying and selling is legal.
Selling Features
For those who have ever registered a car, you know how much time it takes to spend on this procedure, so it is not surprising that many want to avoid the associated problems and simply resell the car without hassle.
10 days are allotted for registration with the traffic police, and the inspector will absolutely not care for what reasons you did not re-register the car. The law says that you need to register a purchased car within 10 days, and it does not matter for what purpose it was purchased. It should be said right away that if you leave the vehicle without registration for a new owner, then in the future you will have to fork out to pay a fine.
At the moment, there are several schemes for selling without naming a vehicle. Which one to choose, decide for yourself when you learn about the nuances and disadvantages of each of them.
General power of attorney
In this situation, the sale as such is not registered, since the corresponding contract is not drawn up. When buying, you only need to give money and visit a notary office with the seller to issue a power of attorney. The document must prescribe the possibility of reassignment and sale. After that, there is no need to register a car - you actually act as a representative of the owner, and the new owner will be re-registering for yourself.
Such a sales scheme has practically outlived its usefulness, and largely due to the fact that it is now much easier to conclude a sales contract than to issue a power of attorney. In addition, for both parties under this scheme, there are risks, ranging from problems with registration and ending with the possibility of a car getting into criminal reports, being registered in the name of the previous owner.
Making a gray or regular DKP
You can sell a car using another method - by issuing a gray contract. Naturally, the previous owner will need to be informed. In this case, all the data on the part of the seller are immediately entered into the contract, and the columns intended for filling in by the buyer remain empty. Naturally, such a deal will not be illegal, everything is absolutely fair, but you do not even appear as an intermediary in it.
It is also possible that the real owner does not want to conclude any gray schemes, so there is nothing left but to conclude a regular DCT. In this case, at the subsequent resale, it remains to draw up a new contract with the data of the old owner and enter the buyer. You will have to sign with your own hand, but this is not critical, since this data, like the form itself, is not verified. When selling, a similar situation to a potential buyer can be explained by the fact that the car was practically not used, as there were problems, and there was no time to deal with its design.
Even car dealerships work according to a similar scheme, and this option is quite profitable for you, because you don’t have to pay any taxes.
In this case, it is much more profitable to come to an agreement with the owner so that after 10 days allocated for registration, he does not remove the car from the register. This way you will be able to avoid any fines, including for late registration and driving an unregistered vehicle.
Is it possible to sell a purchased car without registration? Undoubtedly yes. You can use the methods described above or even draw up a commission agreement (if you have an LLC and want to become a professional reseller). However, be prepared that the future owner will still have to pay a fine for late registration, as in rare cases it is possible to find a potential buyer in 10 days.