AtalayaAtalaya

Apartment in Salt

Calle Major, s/n

Salt, Girona • Ref: #2AF5E3E1

€102,000-26% vs area market
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Size

98 m²

Price / m²

€1,040

Rooms

4

OccupancyOccupied · old rent
63
Calle Major, s/n — Salt
Photo: holapisos
1 / 4

AI visual analysis

Automated analysis · physical condition

4 of 4 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Fachada: El edificio presenta un aspecto cuidado, con balcones y persianas en buen estado.
  • •Exterior: La calle y los vehículos estacionados sugieren un entorno urbano activo.
  • •Pasillo: El portal de entrada tiene un diseño clásico con paneles de madera y suelo de terrazo, mostrando un buen mantenimiento general.

Description

Piso en Salt, Girona, perfecto para familias. El inmueble cuenta con una superficie de 98 m² construidos distribuidos en cuatro habitaciones, salón-comedor, cocina y dos aseos. Localizado en el corazón de Salt, en sus alrededores encontramos el Hospital Santa Caterina, el EUSES Escola Universitària de la Salut i l'Esport -UdG- Campus de Salt, supermercados, bancos, bibliotecas, farmacias, oficinas de correos, centros deportivos y varias paradas de autobús. Cuenta con fácil acceso a Autopista del Mediterráneo. *Certificado sobre presencia/ausencia de amianto en trámite

Characteristics

Bathrooms

2

Floor

2

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

En tr

How 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 506 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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

BUY

63/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
6/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
11/15

Vivienda de 98.00m² en Salt a 1040€/m² (mediana zona 1381€/m², delta -24.7%). Buen Estado. Posesión con inquilino de renta antigua. Zona baja, stock estancado (496 días).

Strengths

  • +Descuento del -24.7% frente a la mediana zonal (1381€/m²)
  • +Estado habitable sin reforma inmediata

Risks

  • −Aliseda indica alquiler social obligatorio (renta protegida por ley)
  • −496 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

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

-26.0%Strong opportunity
Scope
Municipality
Zone median
€1,405 /m²
This asset
€1,040 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

0.0%In line
Scope
Postal code
Zone median
€1,040 /m²
This asset
€1,040 /m²
Samples
17
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€102,000
Transfer tax (ITP) 10% — Cataluña€10,200
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€357
Estimated total investment€113,557

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

SourceAliseda
On the market sinceMay 2025 (506 days)
On Atalaya since16 Apr 2026
Last updated9 Oct 2026

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Aggregated data from public sources and servicer holapisos. 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