{"id":5835,"date":"2018-04-12T12:00:00","date_gmt":"2018-04-12T10:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/mieszkanie-od-syndyka-jak-kupic-i-czy-warto\/"},"modified":"2018-04-12T12:00:00","modified_gmt":"2018-04-12T10:00:00","slug":"apartment-from-trustee-how-to-buy-and-is-it-worth-it","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/apartment-from-trustee-how-to-buy-and-is-it-worth-it\/","title":{"rendered":"Housing from a trustee - how to buy and is it worth it?"},"content":{"rendered":"

Buying a property from a trustee is, next to bailiff auctions, another way of finding an attractively priced home. Before deciding to buy, however, it is worth knowing the transaction process inside out to find out what a buyer can expect.<\/p>\n

In the event of a declaration of bankruptcy, the assets of a debtor who is an entrepreneur or a consumer become the bankruptcy estate. It consists of all rights and things belonging to him on the day of its declaration, including the debtor's right ownership of real estate<\/a>, the right of perpetual usufruct, cooperative ownership right to premises, share in co-ownership of things and rights. Thus, the debtor loses the right to manage and use the property included in the bankruptcy estate and to dispose of it, which in practice means that it is impossible to sell the real estate or premises or conclude a lease or tenancy agreement. So how can you buy property from a debtor who has declared bankruptcy?<\/p>\n

Inventory and subsequent liquidation of assets<\/b><\/p>\n

The next step after declaring bankruptcy is for the trustee to prepare an inventory. Based on this inventory, an estimate is made. bankruptcy estate assets<\/a>, which the debtor had on the day the court issued a decision on its announcement. Determining the assets and their value is necessary to prepare the process of liquidation of the bankruptcy estate. However, before it can take place, the judge-commissioner must approve the terms of sale.<\/p>\n

- Determining and then estimating the value of all assets included in the bankruptcy estate, both movable and immovable, allows the trustee to plan and prepare the liquidation process of the bankruptcy estate in a way that allows the bankrupt's assets to be sold without collision and the statutory deadlines for conducting the liquidation to be met
\n- explains Ma\u0142gorzata Anisimowicz, President of PMR Restructurings SA.<\/div>\n

In the case of real estate, the regulations provide for the possibility of their sale by tender, auction or free-hand sale. \u2013 The basic form of sale in bankruptcy proceedings is a public tender, which is conducted by the trustee and supervised by the judge-commissioner. (...) The next method of liquidating the bankruptcy estate is free-hand sale. However, this does not mean that it is a completely arbitrary and unregulated process. When selling real estate, perpetual usufruct, cooperative ownership right to premises, the consent of the creditors' council or the judge-commissioner is required (when creditors council<\/a> was not appointed).<\/p>\n

The material appeared on bankier.pl:
\n<\/b>
\n29 March 2018:
\n\" Housing from a trustee - how to buy and is it worth it?<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Zakup nieruchomo\u015bci od syndyka to obok licytacji komorniczych kolejny spos\u00f3b na znalezienie atrakcyjnego cenowo mieszkania. Przed podj\u0119ciem decyzji o kupnie warto jednak pozna\u0107 proces transakcji od podszewki, aby dowiedzie\u0107 si\u0119, czego mo\u017ce spodziewa\u0107 si\u0119 nabywca. W sytuacji og\u0142oszenia upad\u0142o\u015bci maj\u0105tek d\u0142u\u017cnika b\u0119d\u0105cego przedsi\u0119biorc\u0105 b\u0105d\u017a konsumentem staje si\u0119 mas\u0105 upad\u0142o\u015bci. W jej sk\u0142ad wchodz\u0105 wszystkie prawa i rzeczy do niego nale\u017c\u0105ce na dzie\u0144 jej og\u0142oszenia, m.in. przys\u0142uguj\u0105ce d\u0142u\u017cnikowi prawo w\u0142asno\u015bci nieruchomo\u015bci, prawo u\u017cytkowania wieczystego, sp\u00f3\u0142dzielcze w\u0142asno\u015bciowe prawo do lokalu, udzia\u0142 we wsp\u00f3\u0142w\u0142asno\u015bci rzeczy i praw. Tym samym d\u0142u\u017cnik traci prawo zarz\u0105du i korzystania z mienia wchodz\u0105cego w sk\u0142ad masy upad\u0142o\u015bci i rozporz\u0105dzania nim, co w praktyce oznacza brak mo\u017cliwo\u015bci sprzeda\u017cy nieruchomo\u015bci lub lokalu czy zwarcia umowy najmu lub dzier\u017cawy. W jaki spos\u00f3b zatem kupi\u0107 maj\u0105tek od d\u0142u\u017cnika, kt\u00f3ry og\u0142osi\u0142 upad\u0142o\u015b\u0107? Spis inwentarza, a potem likwidacja maj\u0105tku Krokiem nast\u0119puj\u0105cym po og\u0142oszeniu upad\u0142o\u015bci jest sporz\u0105dzenie spisu inwentarza przez syndyka. Na jego podstawie nast\u0119puje oszacowanie maj\u0105tku masy upad\u0142o\u015bci, kt\u00f3r\u0105 d\u0142u\u017cnik posiada\u0142 na dzie\u0144 wydania przez s\u0105d postanowienia o jej og\u0142oszeniu. Ustalenie sk\u0142adnik\u00f3w maj\u0105tkowych oraz ich warto\u015bci jest konieczne do przygotowania procesu likwidacji masy upad\u0142o\u015bci. Zanim jednak do niego dojdzie, s\u0119dzia-komisarz musi zatwierdzi\u0107 warunki sprzeda\u017cy. \u2013 Ustalenie, a nast\u0119pnie oszacowanie warto\u015bci wszystkich sk\u0142adnik\u00f3w maj\u0105tkowych wchodz\u0105cych do masy upad\u0142o\u015bci, zar\u00f3wno ruchomo\u015bci, jak i nieruchomo\u015bci, pozwala syndykowi zaplanowa\u0107 i przygotowa\u0107 proces likwidacji masy upad\u0142o\u015bci w spos\u00f3b, kt\u00f3ry pozwoli na bezkolizyjn\u0105 sprzeda\u017c maj\u0105tku upad\u0142ego i zachowanie ustawowych termin\u00f3w prowadzenia likwidacji \u2013 wyja\u015bnia Ma\u0142gorzata Anisimowicz, prezes PMR Restrukturyzacje SA. W przypadku nieruchomo\u015bci przepisy przewiduj\u0105 mo\u017cliwo\u015b\u0107 ich sprzeda\u017cy w drodze przetargu, aukcji lub sprzeda\u017cy z wolnej r\u0119ki. \u2013 Podstawow\u0105 form\u0105 sprzeda\u017cy w post\u0119powaniu upad\u0142o\u015bciowym jest przetarg publiczny, kt\u00f3ry jest prowadzony przez syndyka i nadzorowany przez s\u0119dziego-komisarza. (\u2026) Nast\u0119pnym ze sposob\u00f3w likwidacji masy upad\u0142o\u015bci jest sprzeda\u017c z wolnej r\u0119ki. Nie oznacza to jednak, \u017ce jest to proces zupe\u0142nie dowolny i nieuregulowany. Przy sprzeda\u017cy nieruchomo\u015bci, prawa u\u017cytkowania wieczystego, sp\u00f3\u0142dzielczego w\u0142asno\u015bciowego prawa do lokalu wymagane jest zezwolenie rady wierzycieli lub s\u0119dziego-komisarza (kiedy rada wierzycieli nie zosta\u0142a powo\u0142ana). Materia\u0142 ukaza\u0142 si\u0119 w serwisie bankier.pl: dnia 29 marca 2018: \u00bb Mieszkanie od syndyka – jak kupi\u0107 i czy warto?<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"ppma_author":[30],"class_list":["post-5835","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5835","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=5835"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5835\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5835"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5835"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5835"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5835"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}