AtalayaAtalaya

Plaza Dr Gravalosa

Sant Hilari Sacalm, Girona • Retail • Ref: #0DA0C9D2

€112,200
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Size

211 m²

Price / m²

€532

OccupancyVacant
43
Plaza Dr Gravalosa — Sant Hilari Sacalm
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

26 of 26 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Local comercial de 211 m² situado en la localidad de Sant Hilaria Sacalm, provincia de Girona. Se trata de un local comercial con una superficie de 211 m² situado en la planta baja de un edificio construido en 1990 y con acceso directo e independiente desde la calle. El espacio comercial está comunicado mediante los accesos viarios GI-541 y GI-542. La zona dispone de equipamiento variado, restaurantes, colegio, parques, gasolinera, etc. Con nuestros servicios podrá encontrar el local que necesita. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

gavelLegal & cadastral analysis

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assignmentCadastral datahelpUnverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
9366311DG5396N

routeHow to buy this asset from the bank

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  1. 1Contact the servicer from the official listing (or from Atalaya) and ask for availability and a viewing.
  2. 2Visit the property and verify real condition, possession and access. Ask for the habitability certificate and the energy certificate.
  3. 3Request a nota simple from the Land Registry (~€10) and the community-debt certificate.
  4. 4Submit your offer in writing. Servicers take it to committee: expect days to weeks. Offering below asking is standard practice.
  5. 5Once accepted: deposit contract (require 'free of occupants and belongings'), financing and deed before a notary.

handshakeThis asset has been listed for 627 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

checklistMinimum due diligence before offering

  • check_box_outline_blankRegistry nota simple: ownership, charges, liens (registradores.org, ~€10).
  • check_box_outline_blankCommunity-debt certificate and approved special levies.
  • check_box_outline_blankIBI and waste tax: outstanding bills at the town hall.
  • check_box_outline_blankOn-site possession check: is it really vacant? Are water/power supplies active?
  • check_box_outline_blankHabitability certificate and licences (essential for mortgage and utilities).

warningDebts that transfer with the property

Community debt for the current year plus the previous 3 follows the property (art. 9.1.e LPH), as do unexpired IBI and approved levies. Always request the certificates before signing: it's the classic €3,000-10,000 surprise in bank purchases.

account_balanceFinancing

Many servicers finance their own stock at aggressive terms (high LTV) through the parent bank — ask on first contact. Note: a property without a functional kitchen or bathroom may not be mortgageable as-is, and the appraisal can come in below price on heavily distressed assets.

gavelCatalonia specifics

In Catalonia the Generalitat holds first-refusal rights (tanteo y retracto) over transfers of homes originating from foreclosure (DL 1/2015): it can extend timelines. The cédula d'habitabilitat is mandatory for utilities and usually required for a mortgage. Also check for social-housing (VPO) status.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

ANALYZE

43/100

Confidence: High

Score breakdown

Zone delta
4/30
Possession
20/20
Retail location
Not assessable
—
Legal liens
10/15
Zone liquidity
0/15

Local comercial planta unknown de 211.00m² en Sant Hilari Sacalm a 532€/m² (mediana zona 545€/m², delta -2.4%). libre. Zona muy_baja, stock estancado (626 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 128 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

trending_upStrengths

  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −626 días en mercado sin venderse

Case file

Operation pipeline

You are not pursuing this asset yet

Start a case when you want to turn an opportunity into a real operation: contact, visit, documents, due diligence and offer.

location_on

Location

Sant Hilari Sacalm, Girona

analyticsPrice analysis

Two anchors: real free-market (Idealista / MITMA) and the median of other bank-owned assets in the same area. The first tells you whether REO is worth entering at all; the second, which REO listing is the best deal.

vs free market

No reference available for this area and asset type.

account_balancevs other bank assets

-1.8%In line
Scope
Province (MITMA)
Zone median
€542 /m²
This asset
€532 /m²
Samples
122
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€112,200
Transfer tax (ITP) 10% — Cataluña€11,220
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€393
Estimated total investment€124,813

Indicative estimate for a resale purchase at the general ITP rate. Auctions, new builds or reduced rates are taxed differently. The refurbishment figure is an indicative band based on the AI-detected condition. Verify with your advisor.

Listing intel

SourceSolvia
On the market sinceDec 2024 (627 days)
On Atalaya since31 Aug 2026
Last updated31 Aug 2026

Aggregated data from public sources and servicer Solvia. Atalaya is an informational analytics platform; we are not a real estate agent and do not intermediate in transactions. To act on an offer, contact the original source directly. View original listing