AtalayaAtalaya

Apartment in Vilanova del Camí

Vilanova del Cami, Barcelona • Ref: #2D2408CD

€179,900
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Size

113 m²

Price / m²

€1,592

OccupancyUnconfirmed
20
Apartment in Vilanova del Camí — Vilanova del Cami
Photo: Servihabitat
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AI visual analysis

Automated analysis · physical condition

17 of 17 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta suciedad y desgaste general, con algunas manchas visibles.
  • •Interior: Se observan habitaciones con paredes sin terminar o con pintura en mal estado, y suelos con suciedad y posibles daños.
  • •Baño: El baño tiene los sanitarios destrozados y las paredes con azulejos antiguos y sucios.
  • •Trastero: Hay un trastero con el techo sin acabar y las paredes sin pintar.

Description

Estado: second-hand

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

AVOID

20/100

Confidence: Low

Score breakdown

Zone delta
0/30
Possession
Not assessable
—
Physical state
7/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de 113.00m² en Vilanova del Cami a 1592€/m² (mediana zona 1123€/m², delta +41.8%). Requiere Reforma Integral. Posesión desconocida. Zona muy_baja sin fecha de publicación fiable.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 11 listings bancarios del mismo city — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Risks

  • −Precio +41.8% por encima de mediana zonal

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

Vilanova del Cami, Barcelona
map

Coordinates unavailable

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

No reference available for this area and asset type.

vs other bank assets

-16.3%Good price
Scope
Province (MITMA)
Zone median
€1,903 /m²
This asset
€1,592 /m²
Samples
4046
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€179,900
Transfer tax (ITP) 10% — Cataluña€17,990
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€630
Estimated total investment€199,520

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

SourceServihabitat
On Atalaya since16 Sept 2026
Last updated25 Sept 2026

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Aggregated data from public sources and servicer Servihabitat. 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