Credo sia normale.
Tengo la lingua inglese per abitudine quindi non so come sia in italiano, ma il manuale scrive questo
"[…]. Debt and bankruptcy are the first items calculated in the economic update each week. "Available cash after bids" does not count as money for the purposes of computing bankruptcy or the 5% interest penalty on a negative balance. Players must sell prior to the weekly economic update for these credits to pull you out of bankruptcy."
Quindi le offerte in entrata non contano.