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Apartment in Granollers

Calle Cellecs, Nº 22, Ático 2ª

Les Franqueses del Vallès, Granollers, Barcelona • Auction • Ref: #2193A2CF

€230,519
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Size

105 m²

Rooms

5

OccupancyUnconfirmed
66
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

vivienda sita en Granollers, en calle Cellecs, n.º 22, ático 2ª

Legal & cadastral analysis

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Legal analysis (AI)

Ocupacióndesconocido
Cargas (€)€278,898
Detalle cargasHipoteca a favor de BANCO BILBAO VIZCAYA ARGENTARIA, S.A. por 230518.81 EUR (principal + intereses + costas). Anotación preventiva de embargo a favor de BANCO BILBAO VIZCAYA ARGENTARIA por 214537.23 EUR de principal y 64361.16 EUR de intereses y costas. Hipoteca a favor de Caixa d'Estalvis de Catalunya Tarragona i Manresa por 40600 EUR de capital, 12992 EUR de intereses y 8120 EUR de costas.
Hipoteca€230,519
Embargos€278,898
Puja mínima€230,519
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, embargo, anotacion_preventiva, afeccion_fiscal
Análisis riesgoLa propiedad tiene múltiples cargas, incluyendo una hipoteca y un embargo, y la situación de ocupación es desconocida, lo que aumenta el riesgo de un proceso de desalojo. Además, es vivienda habitual del demandado, lo que puede complicar el proceso de adjudicación.

Cadastral data

Unverified

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

Cadastral ref.
0373101DG4007E

How 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.

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

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.

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

66/100

Confidence: Medium

Score breakdown

Zone delta
19/30
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
13/15
BOE bonus
3/6

Subasta BOE en Granollers a 230,519€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 13 días.

Strengths

  • +Descuento del -23.8% frente a la mediana zonal (2882€/m²)
  • +Subasta inminente: cierre en 13 días, ventana de decisión limitada (presión vendedora)
  • +Vivienda habitual del deudor: activo real ocupado por propietario, no nominal

Risks

  • −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

Les Franqueses del Vallès, Granollers, Barcelona

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

-23.8%Good price
Scope
Municipality
Zone median
€2,882 /m²
This asset
€2,196 /m²
Period
septiembre 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€230,519
Transfer tax (ITP) 10% — Cataluña€23,052
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€807
Estimated total investment€255,378

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: 8 October 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (7 days)
On Atalaya since18 Sept 2026
Last updated18 Sept 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