AtalayaAtalaya

Venta de Crédito Piso en Calle Santa Fabiola

Mijas, Malaga • Apartment • Ref: #4DF042CC

Price on request
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Size

80 m²

OccupancyUnconfirmed
51
Venta de Crédito Piso en Calle Santa Fabiola — Mijas
Photo: Diglo

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •La imagen es una vista aérea, por lo que no se pueden apreciar detalles del estado físico de la propiedad.
  • •Se observan edificios residenciales y comerciales, así como una piscina comunitaria.
  • •No hay indicios de obra en curso o daños estructurales visibles desde esta perspectiva.

descriptionDescription

Venta de crédito garantizado en primera carga por un piso en Mijas (Málaga). Demanda de ejecución presentada en 2025 Deuda aprox. 127.000€

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.
3960206UF5436S

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.

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

ANALYZE

51/100

Confidence: Medium

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
7/15

Vivienda de 80.00m² en Mijas a ?€/m² (mediana zona 3277€/m², delta %). Estado Mejorable. Posesión desconocida. Zona baja sin fecha de publicación fiable.

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

Mijas, Malaga

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

—
Scope
Municipality
Zone median
€3,277 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

—
Scope
City
Zone median
€3,014 /m²
Samples
40
Source
Atalaya (bank inventory)

Listing intel

SourceDiglo
On Atalaya since12 Jun 2026
Last updated28 Jun 2026

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Aggregated data from public sources and servicer Diglo. 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