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Calle Banyoles Nº 9/11, 1º 2ª Esc. B

la Vila de Gràcia, Barcelona • Apartment · Auction • Ref: #D4EA2B47

€202,063
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OccupancyUnconfirmed
55
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

descriptionDescription

DESCRIPCIÓN DE LA FINCA HIPOTECADA: Entidad número veintidós.- Vivienda, piso PRIMERO, puerta SEGUNDA, escalera B, de la casa sita en Barcelona, calle BANYOLES, números NUEVE y ONCE. Consta de recibidor, comedor-estar, dos dormitorios, cocina-lavadero y baño. Superficie: Cincuenta y cinco metros sesenta y dos decímetros cuadrados. Linda: por su frente, con el rellano y la caja de la escalera B, con un patio de luces y con la vivienda puerta tercera de esta misma planta y escalera; derecha entrando, con el patio de luces posterior; izquierda, con un patio de luces, con la caja de la escalera B y con la vivienda puerta primera de esta misma planta y escalera; y fondo, con una finca de don Ignacio Vidal. Coeficiente: Dos enteros treinta y seis centésimas por ciento.

gavelLegal & cadastral analysis

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balanceLegal analysis (AI)

Ocupacióndesconocido
Cargas (€)€204,100
Detalle cargasHipoteca a favor de CAIXA D'ESTALVIS I PENSIONS DE BARCELONA por un máximo de 204100 EUR (157100 EUR de límite de crédito, 14915 EUR de intereses ordinarios, 32185 EUR de intereses de demora y 31400 EUR de costas y gastos).
Hipoteca€204,100
Puja mínima€288,000
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgolow
Litigioshipoteca, anotacion_preventiva, afeccion_fiscal
Análisis riesgoLa propiedad tiene una hipoteca como carga principal y el valor de tasación es significativamente mayor que la carga hipotecaria, lo que reduce el riesgo.

assignmentCadastral datahelpUnverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
0039813DF3803G

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
Not assessable
—
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
10/15
BOE bonus
3/6

Subasta BOE en Barcelona a 202,063€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 7 días (inminente).

trending_upStrengths

  • +Subasta inminente: cierre en 7 días, ventana de decisión limitada (presión vendedora)
  • +Cargas en posición preferente: hipoteca primaria, sin cargas senior ocultas

warningRisks

  • −Sin tasación judicial publicada: descuento sobre mercado no verificable

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

la Vila de Gràcia, Barcelona, Barcelona

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
Neighbourhood
Zone median
€6,869 /m²
Period
mayo 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€202,063
Transfer tax (ITP) 10% — Cataluña€20,206
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€707
Estimated total investment€223,976

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: 7 September 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceAug 2026 (13 days)
On Atalaya since31 Aug 2026
Last updated31 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