AtalayaAtalaya

Plaza Catalunya

Salt, Girona • Apartment • Ref: #AB51F34E

€100,000-37% vs area market
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Size

90 m²

Price / m²

€1,107

Rooms

3

OccupancyVacant
85
Plaza Catalunya — Salt
Photo: Solvia
1 / 24

AI visual analysis

Automated analysis · physical condition

24 of 24 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Piso de 90 m² ubicado en Salt, Girona. Se trata de un piso de 90 m² distribuidos en salón-comedor, cocina, 3 dormitorios y 2 baños. El piso se sitúa en el núcleo urbano de Salt, con buenos accesos por la carretera N-II y próximas salidas a la autopista AP-7. Dispone de comunicaciones públicas mediante líneas de autobús urbano que conectan con Girona y municipios cercanos, así como estación de tren en Girona a pocos minutos. En la zona se pueden encontrar servicios como supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias y otros negocios comerciales. Cerca del hospital Santa Caterina y el centro comercial Espai Gironès. Con nuestros servicios podrá encontrar el piso 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

Elevator

Yes

Year built

1977

Pool

No

Air conditioning

No

Heating

Yes

Garden

No

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
3372842DG8437A0010RY
Cadastral area
83 m²
Year built
1977
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 1035 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.

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

BUY

85/100

Confidence: High

Score breakdown

Zone delta
25/30
Possession
20/20
Physical state
Not assessable
—
Legal liens
10/15
Zone liquidity
13/15

Vivienda de 90.30m² en Salt a 1107€/m² (mediana zona 1747€/m², delta -36.6%). Estado Pendiente De Análisis Visual. Posesión libre. Zona baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -36.6% frente a la mediana zonal (1747€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −1034 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

Salt, 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

-36.6%Strong opportunity
Scope
Municipality
Zone median
€1,747 /m²
This asset
€1,107 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+12.5%Above anchor
Scope
Postal code
Zone median
€984 /m²
This asset
€1,107 /m²
Samples
19
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€100,000
Transfer tax (ITP) 10% — Cataluña€10,000
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€350
Estimated total investment€111,350

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
13 Jun 2026
€94,000arrow_forward€100,000-6.38%

Listing intel

SourceSolvia
On the market sinceOct 2023 (1035 days)
On Atalaya since11 Apr 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