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Apartment in Borja

Calle Camacho

Borja, Zaragoza • Ref: #4E3A40C1

€42,975
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Size

49 m²

Price / m²

€871

Rooms

2

OccupancyUnconfirmed
37
Calle Camacho — Borja
Photo: Solvia
1 / 9

AI visual analysis

Automated analysis · physical condition

9 of 9 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Salon: paredes muy deslucidas con manchas evidentes, falso techo con marcas y suelo laminado con desgaste y suciedad.
  • •Cocina: mobiliario basico y muy deteriorado, requiriendo renovacion completa.
  • •Bano: sanitarios basicos incompletos y alicatados antiguos que requieren actualizacion integral.
  • •Fachada: edificio de ladrillo visto en buen estado aparente de conservacion exterior.

Description

Piso a la venta situado en el municipio de Borja (Zaragoza). Esta vivienda de segunda mano y 49 m² de superficie útil se localiza en zona céntrica, dispone de muy buenas comunicaciones tanto por transporte público como por transporte privado. Se encuentra ubicada en la planta segunda de un edificio residencial y distribuida en dos dormitorios, un baño, cocina y salón comedor. Con los servicios prestados podrá encontrar la vivienda que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente. [Aviso legal] El inmueble se encuentra catalogado como Inmueble de Protección Oficial, por lo que queda afecto a las medidas y limitaciones Estatales y/o de la Comunidad Autónoma donde se ubica el mismo. La presentación de oferta por la compra de esta tipología de inmuebles debe efectuarse por interesados que cumplan las condiciones de acceso a una Vivienda Protegida, lo que deberá ser tramitados con carácter previo a la adquisición. De igual modo, la formalización de la transmisión posterior requerirá que, en aquellas Comunidades Autónomas en las que sea necesario, el interesado conste inscrito en el Registro de Demandantes de Vivienda Protegida.

Characteristics

Bathrooms

1

Elevator

No

Year built

2008

Pool

No

Air conditioning

No

Heating

No

Garden

No

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 49.36 m² but the cadastre records 118 m² (+139%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
1623933XM2312D0018KR
Cadastral area
118 m²
Year built
2006
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.

handshakeThis asset has been listed for 976 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.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

AVOID

37/100

Confidence: Low

Score breakdown

Zone delta
0/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
2/15

Vivienda de 49.36m² en Borja a 871€/m² (mediana zona 539€/m², delta +61.6%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, más de 2 años sin vender.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 269 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +El banco confirma posesión legal: vivienda libre para entregar

Risks

  • −Precio +61.6% por encima de mediana zonal
  • −966 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

Borja, Zaragoza

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

+488.5%Above anchor
Scope
Postal code
Zone median
€148 /m²
This asset
€871 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€42,975
Transfer tax (ITP) 8% — Aragón€3,438
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€47,713

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.
24 Sept 2026
€49,000arrow_forward€42,975-12.3%

Listing intel

SourceSolvia
On the market sinceFeb 2024 (976 days)
On Atalaya since11 May 2026
Last updated9 Oct 2026

Zone comparables

Top 5 similar properties in Borja by AI score

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Aggregated data from public sources and servicer Solvia. 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