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Pj Farigola-Creu de Palau 0 2 3, 1

Girona • Apartment · Auction • Ref: #721C9AFA

€7,385
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OccupancyUnconfirmed
55
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

descriptionDescription

MITAD INDIVISA DE: URBANA. CIENTO TRES. VIVIENDA EN EL PISO TERCERO, PUERTA PRIMERA, ESCALERA II, DEL EDIFICIO A, DE LA CREU DE PALAU, TÉRMINO DE GERONA, DE SUPERFICIE CONSTRUIDA 134,13M2 Y ÚTIL 107,43M2. CONSTA DE ENTRADA, PASOS, COMEDOR-ESTAR, CUATRO HABITACIONES, COCINA, BAÑO, ASEO, LAVADERO Y DOS TERRAZAS CUBIERTAS. LINDANTE: NORTE, CALLE PEATONAL ESTE, VUELO DE LA ENTRADA Y LA ESCALERA II SUR, LA VIVIENDA MISMA PLANTA Y ESCALERA PUERTA SEGUNDA Y TERRENO COMÚN Y OESTE, LA VIVIENDA MISMA PLANTA ESCALERA III, PUERTA CUARTA. SU CUOTA ES DE UN ENTERO CINCUENTA CENTÉSIMAS POR CIENTO.

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
5253703DG8455C0093GA
Cadastral area
130 m²
Year built
1979
Cadastral use
Residential

routeHow to bid in this auction (BOE)

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  1. 1Read the full terms on subastas.boe.es: auction value, minimum bid, increments and surviving charges.
  2. 2Request a nota simple and study prior charges — auctions do NOT wipe them all; charges prior to the annotation survive.
  3. 3Deposit the required amount (usually 5% of the auction value) through the BOE platform to be able to bid.
  4. 4Bid within the window (usually 20 calendar days). If you win, you must pay the remainder within a short deadline — effectively a cash operation.
  5. 5After the award: decree, registration and, if occupied, the possession process. Think months, not weeks.

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

Auctions are effectively cash operations: you must deposit to bid and pay the remainder shortly after the award. Don't count on a traditional mortgage within those deadlines.

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

55/100

Confidence: Low

Score breakdown

Zone delta
30/30
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
4/15
Zone liquidity
Not assessable
—

Subasta BOE en Girona. Puja mínima 7,385€ vs tasación 92,308€ (descuento judicial 92.0%). Posesión desconocida. Subasta cierra en 13 días.

trending_upStrengths

  • +Descuento judicial del 92.0% sobre tasación (7,385€ vs 92,308€)
  • +Subasta inminente: cierre en 13 días, ventana de decisión limitada (presión vendedora)

warningRisks

  • −Documentación judicial aún sin parsear: cargas y procedimiento por confirmar

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

Girona, 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.

publicvs free market

—
Scope
Municipality
Zone median
€3,325 /m²
Period
mayo 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€7,385
Transfer tax (ITP) 10% — Cataluña€738
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€9,423

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.

gavelAuction property

Ends: 31 August 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceAug 2026 (20 days)
On Atalaya since17 Aug 2026
Last updated17 Aug 2026

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Aggregated data from public sources and servicer BOE - Portal de Subastas. 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