AtalayaAtalaya

Cm Pinos

Loja, Granada • House • Ref: #A8E0D4E0

€386,600-57% vs area market
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Size

940 m²

Price / m²

€411

Rooms

4

OccupancyVacant
78
Cm Pinos — Loja
Photo: Solvia
1 / 25

AI visual analysis

Automated analysis · physical condition

25 of 25 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta un aspecto cuidado, aunque con algunos signos de desgaste en la pintura y la reja de entrada.
  • •Salon: El salón tiene suelos de baldosas en buen estado, pero las paredes necesitan pintura y la decoración es anticuada.
  • •Cocina: La cocina está funcional, pero los azulejos y los muebles son de un estilo antiguo y necesitarían una actualización.
  • •Dormitorio: Los dormitorios tienen armarios de madera y suelos de baldosas, pero las paredes requieren pintura y la decoración es dated.

descriptionDescription

Chalet aislado de 975 m² ubicado en Loja, Granada. Se trata de un chalet aislado asentado sobre una parcela de 1255.50 m². Consta de 2 plantas sobre rasante y dos bajo rasante. Cuenta con una superficie de 975 m² distribuidos en salón-comedor, cocina, 4 dormitorios, 2 baños, despacho, lavadero y terraza. El inmueble se sitúa en una zona residencial de Loja, con buenos accesos por la autovía A-92, principal eje de comunicación entre Granada, Málaga y Sevilla. La localidad dispone de estación de tren con servicios de media distancia y alta velocidad, que permiten la conexión con Granada, Málaga, Sevilla y otros destinos. En la zona podemos encontrar supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias y otros negocios comerciales. A pocos minutos del Hospital de Alta Resolución de Loja, centro sanitario de referencia para la comarca. Asimismo, cuenta con proximidad a centros de salud, servicios públicos y áreas comerciales del municipio. Con nuestros servicios podrá encontrar el chalet aislado que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

2

Year built

2000

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
8037122UG9183F0001WZ
Cadastral area
940 m²
Year built
2000
Cadastral use
Residential

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.

handshakeThis asset has been listed for 440 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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

BUY

78/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
8/15

Vivienda de 940.00m² en Loja a 411€/m² (mediana zona 952€/m², delta -56.8%). Estado Mejorable. Posesión libre. Zona muy_baja, stock estancado (438 días).

trending_upStrengths

  • +Descuento del -56.8% frente a la mediana zonal (952€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −438 días en mercado sin venderse

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

-56.8%Strong opportunity
Scope
Municipality
Zone median
€952 /m²
This asset
€411 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-35.6%Strong opportunity
Scope
Province (MITMA)
Zone median
€638 /m²
This asset
€411 /m²
Samples
336
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€386,600
Transfer tax (ITP) 7% — Andalucía€27,062
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,353
Estimated total investment€416,015
Estimated refurbishment (state: mejorable)€376,000 – €658,000

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

SourceSolvia
On the market sinceJun 2025 (440 days)
On Atalaya since31 Aug 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer Solvia. 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