AtalayaAtalaya

Casa en Loja (granada)

Loja, Granada • House • Ref: #2F8B0185

€29,000
open_in_newView original listing

Get new bank-owned properties in Loja under your budget by email. Free.

Size

99 m²

Price / m²

€293

Rooms

3

OccupancyUnconfirmed
37
Casa en Loja (granada) — Loja
Photo: Urbaniza (Caja Rural)

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Bank-owned property managed by Urbaniza (Caja Rural) (Banco Cooperativo Español).

routeHow to buy this asset from the bank

expand_more
  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.

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.

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

Alpha Rating

AVOID

37/100

Confidence: Low

Score breakdown

Zone delta
8/30
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
7/15
Zone liquidity
7/15

Vivienda de 99.00m² en Loja a 293€/m² (mediana zona 952€/m², delta -69.2%). Estado Pendiente De Análisis Visual. Posesión desconocida. Zona muy_baja, 110 días en mercado.

trending_upStrengths

  • +Descuento del -69.2% frente a la mediana zonal (952€/m²)

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

Loja, Granada

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.

publicvs free market

-69.2%Strong opportunity
Scope
Municipality
Zone median
€952 /m²
This asset
€293 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-54.1%Strong opportunity
Scope
Province (MITMA)
Zone median
€638 /m²
This asset
€293 /m²
Samples
336
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€29,000
Transfer tax (ITP) 7% — Andalucía€2,030
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€32,330

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

SourceCaja Rural
On Atalaya since12 May 2026
Last updated31 Aug 2026

compare_arrowsZone comparables

Top 5 similar properties in Loja by AI score

Cm Pinos
78

Cm Pinos

€386,600

€411/m² · 940 m²

View analysisarrow_forward
Casa en Loja (granada)
42

Casa en Loja (granada)

€30,000

€300/m² · 100 m²

View analysisarrow_forward
House For Sale In C Lepanto 28 Loja Granada
38

House For Sale In C Lepanto 28 Loja Granada

€30,000

€429/m² · 70 m²

View analysisarrow_forward
Lugar el Membrillar, s/n
35

Lugar el Membrillar, s/n

€6,080

€86/m² · 70 m²

View analysisarrow_forward
Casa Independiente en Washington Irving
29

Casa Independiente en Washington Irving

€36,000

€225/m² · 160 m²

View analysisarrow_forward

Aggregated data from public sources and servicer Urbaniza (Caja Rural). 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