Question 1

What are judicial auctions and where do the assets come from?

Accepted Answer

[Judicial auctions](/en/subastas-judiciales) are public procedures ordered by a court to liquidate a debtor's assets and settle their debts. The auctioned assets ([apartments](/en/subastas-publicas-viviendas), houses, premises, [vehicles](/en/subastas-publicas-vehiculos)) originate mainly from mortgage foreclosures (bank non-payment), debt seizures or insolvency proceedings. The process is always supervised by a Court Secretary (Letrado de la Administración de Justicia) and published on the [BOE Auction Portal](/en/subastas-boe).

Question 2

How do I participate and bid in court auctions?

Accepted Answer

All judicial [auctions in Spain](/en/subastas-publicas) are conducted electronically. To bid, access the BOE Electronic Auction Portal using your digital certificate or Cl@ve. Under the Civil Procedure Act (LEC), you are required to make a prior deposit equal to 5% of the assessed auction value. If your offer is not the winning one, the court returns the money to your account.

Question 3

What liens and debts do I assume when buying a court-auctioned property?

Accepted Answer

When you win a judicial auction, the court will order the cancellation of the charge that triggered the auction and all subsequent charges. However, you must assume and pay all prior registered preferential liens (such as a pre-existing mortgage). To protect your finances, subastAI's AI reads and interprets the court's lien certificate, explaining the hidden risks in plain language.

Question 4

How can I find out if the property is occupied by squatters or tenants?

Accepted Answer

The occupancy status of the property is the biggest risk for any investor and must be stated in the court auction notice. The asset may be vacant, occupied by the debtor, have legally contracted tenants or be subject to illegal occupation. Reading dense legal files to find out takes hours; subastAI's AI processes the official documentation instantly and gives you a clear visual alert about the property's occupancy status.

Question 5

Is there a minimum bid to win the lot?

Accepted Answer

Most judicial auctions are published without a mandatory minimum bid, but legal thresholds apply under the LEC. For real estate, if your bid reaches 70% of the auction value, the award is direct. If your offer is below that, a window opens for the debtor or creditor bank to nominate a third party to improve your bid. subastAI's financial dashboard calculates these thresholds automatically so you can place the perfect bid.

Preguntas Frecuentes — Judiciales

What are judicial auctions and where do the assets come from?

How do I participate and bid in court auctions?

What liens and debts do I assume when buying a court-auctioned property?

How can I find out if the property is occupied by squatters or tenants?

Is there a minimum bid to win the lot?