AtalayaAtalaya

House in Gironella

Calle Cim D´ Estela

Gironella, Barcelona • Ref: #9AD7A003

€152,700
open_in_newView original listing

Get new bank-owned properties in Gironella under your budget by email. Free.

Size

247 m²

Price / m²

€618

Rooms

3

OccupancyVacant
60
Calle Cim D´ Estela — Gironella
Photo: Solvia
1 / 8

AI visual analysis

Automated analysis · physical condition

8 of 8 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •La fachada presenta desconchones y ladrillo visto, indicando necesidad de reparaciones.
  • •El salón muestra techos de madera con daños y paredes con pintura deteriorada.
  • •El sótano o trastero se encuentra en un estado muy precario, con paredes y suelo de hormigón sin acabar y suciedad.
  • •Las habitaciones y pasillos tienen suelos de terrazo y paredes con signos de desgaste y suciedad.

Description

Casa de 247 m² ubicada en Gironella, Barcelona. Se trata de una casa de 247 m² desarrollados en dos plantas y distribuidos en salón-comedor, cocina, 3 dormitorios y 1 baño. La casa se sitúa en la zona de Els Bassacs, dentro del municipio de Gironella, con accesos principales por la carretera C-16 y la C-62, que conectan con Berga y Manresa. La zona dispone de servicio de autobuses interurbanos con conexión a municipios de la comarca del Berguedà. En el entorno se pueden encontrar supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias y otros servicios comerciales. Con nuestros servicios podrá encontrar casa 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

Energy rating

E

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
7522102DG0572S0001HA
Cadastral area
253 m²
Cadastral use
Residential

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 239 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

60/100

Confidence: Low

Score breakdown

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

Vivienda de 247.00m² en Gironella a 618€/m² (mediana zona 1916€/m², delta -67.7%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, 228 días en mercado.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 4018 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Descuento del -67.7% frente a la mediana zonal (1916€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

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

Gironella, Barcelona

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

-66.6%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,851 /m²
This asset
€618 /m²
Samples
4641
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€152,700
Transfer tax (ITP) 10% — Cataluña€15,270
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€534
Estimated total investment€169,504

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.
18 Sept 2026
€169,700arrow_forward€152,700-10.02%

Listing intel

SourceSolvia
On the market sinceFeb 2026 (239 days)
On Atalaya since13 Sept 2026
Last updated9 Oct 2026
See all bank-owned properties in Gironella

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