Venta de Crédito Piso en Calle Rocabruna

assignmentCadastral datahelpUnverified

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

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).

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.