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House For Sale In C de les Garrigues Pol 5 Caldes de Malavella Girona

Caldes de Malavella, Girona • House • Ref: #8D23C39D

€169,000-28% vs area market
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Size

142 m²

Price / m²

€1,190

Rooms

3

OccupancyUnconfirmed
58
House For Sale In C de les Garrigues Pol 5 Caldes de Malavella Girona — Caldes de Malavella
Photo: Servihabitat
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AI visual analysis

Automated analysis · physical condition

12 of 12 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

C. De Les Garrigues Pol 5. Estado: second-hand. Extras: lift

Characteristics

Bathrooms

2

Elevator

Yes

Heating

Yes

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.

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

58/100

Confidence: Medium

Score breakdown

Zone delta
19/30
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
7/15
Zone liquidity
9/15

Vivienda de 142.00m² en Caldes de Malavella a 1190€/m² (mediana zona 1654€/m², delta -28.1%). Estado Pendiente De Análisis Visual. Posesión desconocida. Zona muy_baja, inventario reciente (79 días).

trending_upStrengths

  • +Descuento del -28.1% frente a la mediana zonal (1654€/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

Caldes de Malavella, 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

-28.1%Strong opportunity
Scope
Municipality
Zone median
€1,654 /m²
This asset
€1,190 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+24.9%Above anchor
Scope
Postal code
Zone median
€953 /m²
This asset
€1,190 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€169,000
Transfer tax (ITP) 10% — Cataluña€16,900
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€592
Estimated total investment€187,492

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

SourceServihabitat
On Atalaya since12 Jun 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer Servihabitat. 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