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Apartment in La Bisbal d'Empordà

Bisbal d'empordà (la), Gerona • Ref: #7F4570CA

€59,000
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Size

75 m²

Price / m²

€792

Rooms

1

OccupancyVacant
58
Apartment in La Bisbal d'Empordà — Bisbal d'empordà (la)
Photo: Solvia
1 / 5

AI visual analysis

Automated analysis · physical condition

5 of 5 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

Description

Bank-owned property managed by Solvia (Livingcenter (CaixaBank)).

Characteristics

Bathrooms

1

Elevator

No

Terrace

No

Parking

No

Year built

1950

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

E

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 74.5 m² but the cadastre records 43 m² (-42%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
3151315EG0435S0001PI
Cadastral area
43 m²
Year built
1950
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.

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

58/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
20/20
Physical state
Not assessable
—
Legal liens
7/15
Zone liquidity
2/15

Vivienda de 74.50m² en Bisbal d'empordà (la) a 792€/m². Sin referencia zonal. estado pendiente de análisis visual. Posesión libre. Zona muy_baja, inventario reciente (0 días).

Strengths

  • +BuildingCenter (CaixaBank) declara el activo con posesión: libre para entregar

Risks

  • −Sin referencia zonal disponible

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

Bisbal d'empordà (la), Gerona

Estimated acquisition costs

Asset price€59,000
Transfer tax (ITP) 10% — Cataluña€5,900
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€66,200

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

SourceBuildingCenter (CaixaBank)
On Atalaya since16 Sept 2026
Last updated24 Sept 2026

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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