FINA e-Dražba

e-Dražba is the electronic public auction service operated by Financijska agencija (FINA), the state-owned financial agency of the Republic of Croatia, headquartered in Zagreb. It is not a commercial marketplace: every lot is a court-ordered sale, filed by municipal and commercial courts, bankruptcy administrators and public notaries in enforcement (ovrha), insolvency and security proceedings under the Enforcement Act, with the procedure and fees set by implementing ordinances (NN 156/2014, as amended). Sales are announced as calls for participation on FINA's public register at ponip.fina.hr; bidding runs on edrazba.fina.hr.

What you can buy

• Residential property: apartments and family houses repossessed from debtors, priced against a court-appointed appraiser's valuation. Real estate dominates the register — roughly nine lots in ten.
• Land: agricultural, building and forest plots, frequently sold as fractional co-ownership shares rather than whole parcels.
• Commercial real estate: business premises, offices, warehouses and production halls released from bankruptcy estates.
• Vehicles: passenger cars, vans, light commercials and trailers seized in enforcement proceedings.
• Machinery: agricultural, construction and metalworking plant from liquidated Croatian businesses.
• Vessels: boats, yachts and other registered craft — a small but recurring coastal category.
• Rights: business shares, securities, claims, trademarks, patents and concessions, searchable as their own register category.

Movables and rights are a minority of listings, and movables are only entered in the register when their appraised value exceeds €6,630.

How the bidding works

Private individuals and companies may both bid, but access is gated by a qualified digital certificate: a FINA e-card or USB token, a co-branded bank card, or a Croatian eID card (eOI) carrying a signing certificate. Non-residents must obtain a Croatian OIB tax number before they can register at all. Bidding in your own name is free; a personal certificate on USB costs €43.00 for two years plus VAT, and each additional power-of-attorney authorisation costs €3.32 plus VAT, charged once for the month in which it is registered. The call for participation must be published at least 60 days before bids open. Bid collection then runs for ten working days, accepted around the clock on working and non-working days alike, with participants anonymised behind assigned identifiers; the best valid bid in the closing ten minutes extends the auction by a further ten. A deposit (jamčevina), set by the court and normally at least one tenth of the determined value, must reach FINA's account at Hrvatska poštanska banka before the stated deadline — nobody is exempt, not even creditors. Unsuccessful bidders are refunded within eight days of FINA receiving the court's final transfer order. FINA only reports the result; the court names the buyer and sets the payment deadline.

What to check before you bid

Discounts are capped by law, but the floor drops with each failed round and differs by procedure. In enforcement, real estate cannot sell below 4/5 of the determined value at the first auction and 3/5 at the second. In bankruptcy the ladder runs lower and longer: 3/4, then 1/2, then 1/4 at a third auction, and a fourth round carries no statutory minimum at all — the same ladder applies to movables and rights, so do not assume a half-price floor. The interface, appraisal reports and court decisions are Croatian-only. Deposits and the purchase price go to a Croatian IBAN in euros with a payment reference (PNB); on an inbound foreign transfer the PNB, or the OIB plus the auction ID, must appear in the payment description or it will not be matched. Viewing times are fixed by the competent authority — the court or the bankruptcy administrator, not FINA — and are often minimal. Sitting occupants, unregistered building works, encumbrances on the title and missing use permits stay your problem: read the appraisal and land registry extract. There is no central saleroom — the asset sits wherever the case originated, and handover goes through the court or administrator.