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House in Balaguer

Balaguer, Lleida • Ref: #1D4DEDE3

€29,000-52% vs area market
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Size

75 m²

Price / m²

€387

Rooms

3

OccupancyUnconfirmed
68
House in Balaguer — Balaguer, Balaguer
Photo: Hipoges
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AI visual analysis

Automated analysis · physical condition

29 of 29 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Salon: Paredes con pintura descuidada, chimenea deteriorada con cenizas esparcidas y marcas generalizadas en techos.
  • •Pasillo: Presencia evidente de humedades y manchas en paramentos verticales, zocalos desprendidos y revestimientos muy desgastados.
  • •Dormitorio: Grietas visibles en paredes, techos abovedados con desconchones y carpinteria interior muy antigua.

Description

NO COBRAMOS COMISIÓN DE INTERMEDIACIÓN AL COMPRADOR Excelente oportunidad para adquirir esta vivienda, para reformar, luminosa y acogedora, con una distribución óptima que incorpora amplios ventanales para una entrada generosa de luz natural, creando una sensación de amplitud y calidez en cada uno de sus espacios y habitaciones, ubicada en la encantadora localidad de Balaguer, en la provincia de Lleida. La vivienda esta distribuida en salón-comedor, cocina amueblada, 3 dormitorios y 2 baños. Se ubica junto a la Plaza del Mercadal y junto al Centro Sociosanitario de Balaguer. En sus inmediaciones dispone de todo tipo de comercios y servicios necesarios, como restaurantes, bancos, farmacias, equipamiento escolar, deportivo y sanitario, gasolineras y comercios para servicios básicos. El activo está bien comunicado con el resto de la ciudad, cuenta con autobuses con líneas regulares y paradas próximas al inmueble, también por su ubicación conecta con facilidad con la carretera nacional C-53, entre otras. La ciudad de Balaguer cuenta con servicios médicos de atención primaria y proximidad a hospitales de Lleida. Dispone de centros educativos y actividad comercial local dinámica. Sus conexiones terrestres por carretera facilitan el acceso a comarcas cercanas y a la capital provincial. No dudes en ponerte en contacto con nosotros. Más información rellenando el formulario de contacto o por teléfono. Estaremos encantados de atenderte. Hipoges es una plataforma inmobiliaria donde podrás acceder a miles de activos inmobiliarios de diferentes tipos como viviendas, locales comerciales, terrenos, nueva obra, tanto a nivel particular como para inversores. Hipoges cuenta con una amplia cartera de activos inmuebles tanto en España como en Portugal y Grecia. ¿Necesitas financiación? Te ofrecemos la posibilidad de financiaciones de hasta el 100% para la compra de este inmueble. Entra en Finanwin.com, haz tu simulación y obtén la mejor oferta para tu Hipoteca de la manera más ágil y sencilla.

Characteristics

Bathrooms

2

Elevator

No

Terrace

No

Parking

No

Year built

1935

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

G

Legal & cadastral analysis

expand_more

Cadastral data

Unverified

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

straightenUnreconciled surface: the listing states 75 m² but the cadastre records 133 m² (+77%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
7592306CG1279S
Cadastral area
133 m²
Year built
1935
Cadastral use
Residential

How to buy this asset from the bank

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  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.

Minimum 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).

Debts 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.

Financing

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.

Catalonia 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

68/100

Confidence: Medium

Score breakdown

Zone delta
30/30
Possession
Not assessable
—
Physical state
7/25
Legal liens
7/15
Zone liquidity
14/15

Vivienda de 75.00m² en Balaguer a 387€/m² (mediana zona 820€/m², delta -52.8%). Requiere Reforma Integral. Posesión desconocida. Zona baja, 119 días en mercado.

Strengths

  • +Descuento del -52.8% frente a la mediana zonal (820€/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

Balaguer, Balaguer, Lleida

Price 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.

vs free market

-52.5%Strong opportunity
Scope
Municipality
Zone median
€814 /m²
This asset
€387 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

+37.7%Above anchor
Scope
City
Zone median
€281 /m²
This asset
€387 /m²
Samples
40
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€29,000
Transfer tax (ITP) 10% — Cataluña€2,900
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€33,200

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.
12 Jun 2026
€31,400arrow_forward€29,000-7.64%

Listing intel

SourceHipoges
On Atalaya since3 Jun 2026
Last updated9 Oct 2026

Zone comparables

Top 5 similar properties in Balaguer by AI score

See all bank-owned properties in Balaguer

Aggregated data from public sources and servicer Hipoges. 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