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Apartment in Salt

Calle Paisos Catalans

Salt, Girona • Ref: #640DC34F

€72,000-17% vs area market
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Size

62 m²

Price / m²

€1,166

Rooms

3

OccupancyUnconfirmed
66
Calle Paisos Catalans — Salt
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Good

Photo quality

Good

Description

Piso de 73 m² ubicado en Salt, Girona. Se trata de un piso de 73 m² distribuidos en salón-comedor, cocina, 3 dormitorios y 1 baño. Este acogedor piso se sitúa en una zona tranquila de Salt, con buenos accesos por la carretera C-66 y la autovía AP-7, lo que facilita la conexión con las localidades cercanas y la ciudad de Girona. En cuanto a las comunicaciones públicas, la zona cuenta con varias paradas de autobús que conectan con el centro de Girona, así como con la estación de tren de Salt, que ofrece servicios regulares hacia Barcelona y otras ciudades importantes. En la ubicación podemos encontrar servicios como supermercados, restaurantes, instalaciones deportivas y centros educativos. Además, a pocos minutos se encuentra el Hospital de Santa Caterina, lo que garantiza un acceso rápido a servicios de salud. También hay puntos de interés cercanos, como el Parque de la Infancia y el Parque de la Devesa, ideales para disfrutar de actividades al aire libre. El aspecto general de la vivienda es moderno y funcional, con una estructura bien distribuida que maximiza el uso del espacio. Las estancias son luminosas y ofrecen un ambiente acogedor, perfecto para familias o parejas que buscan comodidad y calidad de vida. Con nuestros servicios podrá encontrar el piso 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.

Characteristics

Bathrooms

1

Elevator

Yes

Year built

1976

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

G

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 61.74 m² but the cadastre records 83 m² (+34%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
3471605DG8437A0024XJ
Cadastral area
83 m²
Year built
1976
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 451 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

ANALYZE

66/100

Confidence: Medium

Score breakdown

Zone delta
13/30
Possession
Not assessable
—
Physical state
20/25
Legal liens
10/15
Zone liquidity
13/15

Vivienda de 61.74m² en Salt a 1166€/m² (mediana zona 1405€/m², delta -17.0%). Buen Estado. Posesión desconocida. Zona baja, stock estancado (447 días).

Strengths

  • +Estado habitable sin reforma inmediata

Risks

  • −447 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

-17.0%Good price
Scope
Municipality
Zone median
€1,405 /m²
This asset
€1,166 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

+4.8%In line
Scope
Postal code
Zone median
€1,113 /m²
This asset
€1,166 /m²
Samples
13
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€72,000
Transfer tax (ITP) 10% — Cataluña€7,200
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€80,500

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

SourceSolvia
On the market sinceJul 2025 (451 days)
On Atalaya since22 Jul 2026
Last updated7 Oct 2026

Zone comparables

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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