We have prepared step-by-step instructions on how to do this:
Buying a car online: what you need
Both the buyer and the seller must have verified (confirmed) accounts on the public services portal. What does a verified account mean? You have it not only entered there, but it was also confirmed by an access code, which is issued separately, not on the portal itself.
It’s easy to find out which account you have if you don’t remember. Go to your personal account on public services. If it says there (the easiest way is to look in “Settings and Security”) that you have a “verified” account and “all services and services are available to you”, nothing more is required of you.
If there is no such record, you need to get an access code – exactly how it is written on the public services themselves. This can be done in three ways:
1) get the code in person at the nearest service center (list on public services), arriving there with a passport and SNILS;
2) through the online account of some banks, if you are their client (in particular, Sberbank, Post Bank, Tinkoff Bank and several more – the list is also on public services);
3) contact the Post – the code will be sent by letter.
IMPORTANT
The new service will be available only to citizens. That is, it will be impossible to conduct a transaction for the purchase and sale of a used car through public services with a dealer center (legal entity).
How to buy a car for sale through the State Services
Step 1. Not electronic – inspect the car live. Better with a familiar specialist
– Contrary to what some citizens have already thought, the electronic contract does not cancel this step at all. Those electronic car check services that exist today do not make it possible to be absolutely sure that the car has not been in any accidents and everything is in order with it. And from the fact that the same information will be available through public services, guarantees are not added, – warns Vice President of the National Automobile Union Anton Shaparin.
Step 2. Through the public services portal – prepare documents
The seller needs to upload a package of documents to the portal: vehicle passport, registration certificate, OSAGO policy in the name of the old owner (if any) and submit an application. It is not necessary to have electronic documents, paper scans will do.
Also, the seller needs to decide whether he wants to keep the license plate. The portal will ask him about this, because if he wants, he needs to fill out an application about this for the traffic police.
Step 3. Also through the portal – sign an electronic contract
The portal robot itself will break through the car according to the available official bases – whether it is wanted, whether there are unpaid fines, and so on. And he will prepare the text of the contract, data on the seller, buyer and car will be loaded there automatically. The seller and the buyer only need to sign the document electronically, each through their own account – that is, click on the desired button. The fact that you entered your personal account on public services through a verified account and poked the “Sign” (or “OK”) button under the document means that you signed it with a simple electronic signature.
Step 4. With your own feet – come to the traffic police to register the car
Yes, the electronic contract does not cancel a personal visit to register the car and obtain a new certificate (STS) already in the name of the buyer. The new thing here is that your contract of sale will already be in the hands of the inspector – he will receive it online through the same public services portal.
Theoretically, the buyer should register the car. But in practice, for the sake of safety, the participants in the transaction prefer to come together. And experts advise to continue to insure this way further – with the exception of cases when the car is sold to each other by people who are familiar and confident in each other.
– You become the owner of the car from the moment you sign the contract of sale. But situations are possible when only in the traffic police it turns out that the purchased car is not “clean” and they refuse to register it. And it will not be possible to completely exclude this even after May 1, – warns Anton Shaparin. – Usually, a clause is included in the contract on how to resolve such situations in court. But it is psychologically easier when the seller is standing nearby and he will not have to be searched through the court. Plus, for the seller to be with the buyer at the traffic police – he is convinced that the car is registered and that other people’s fines will not come to him as the previous owner.
Bottom line: what is changing?
– A new tool appears, the possibilities of the public services portal are expanding, – says Anton Shaparin. – But for now, for car owners, the main thing that is changing is that you don’t need to fill out three copies of the sales contract with a pen, risking making mistakes in important data there. Although, in principle, even now there are services that allow you to accurately print everything on a computer in advance, and only sign it on the spot.
There are a few other minor benefits. The seller does not need to keep his paper copy of the contract (in case in the future he has to prove that the car was actually sold), the electronic document will always be available in the personal accounts of both the buyer and the seller. “Punch” a car for everything that is possible will become real in one place. Now for this you need to go to several sites: the service for checking the traffic police car, the Avtokod portal (checking the history of a car, but it works only for the Moscow region so far), the service of the Federal Notary Chamber, which allows you to find out if the car is pledged.
“But you need to understand that the security of a transaction just because it goes through the public services portal does not increase,” Shaparin believes. – Simply because the system itself is not yet completely transparent. Not all accidents fall into the traffic police database. In “Autocode” information is exclusively about cars in the Moscow region – cars from other regions do not make their way. Transactions will become transparent when the entire fleet of the country switches to electronic TCP and a certain layer of information about cars is accumulated, for at least 5-7 years. About passed technical inspections, transactions, fines and so on.
– Buying a car on the free market implies simplicity and speed, – expressed his opinion to KP director of AVILON. Used cars” Nikolai Baskakov. – It is still difficult to say how safe the paperwork under the new scheme will be for owners and buyers. In practice, it is easier for people to trust a large car dealer, to whom, in which case, they can then apply with claims. But even here the question is how much the dealer values his reputation and does all the necessary checks.
Tricky question
Will there be no more scams?
This question has already arisen. Will there now be a new kind of car theft – electronically, so to speak?
“In my opinion, the data protection that a verified account can give is not enough for serious property transactions,” says Anton Shaparin. “The role of the smartphone and the prudence of the citizens themselves is increasing even more. An attacker who stole a mobile phone, in many cases, does not even need to hack into the account of the owner of this phone in public services – the password is often stored right there, on the smartphone in notes.