AtalayaAtalaya

House in Rubí

Rubí, Barcelona • Ref: #A55158BF

€427,000-23% vs area market
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Size

244 m²

Price / m²

€1,753

Rooms

5

OccupancyVacant
73
House in Rubí — Rubí
Photo: Solvia
1 / 10

AI visual analysis

Automated analysis · physical condition

10 of 10 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Salon: amplio, con suelos de gres en buen estado y cerramientos de aluminio funcionales.
  • •Cocina: amueblada y equipada con electrodomesticos integrados, en estado operativo y conservado.
  • •Bano: revestimientos ceramicos completos con sanitarios y ducha funcionales sin signos de deterioro grave.
  • •Fachada: obra vista de ladrillo combinada con aplacado de piedra en planta baja, con cerramientos y balcon en buen estado general.

Description

Bank-owned property managed by Solvia (BuildingCenter, S.A.U. (CaixaBank)).

Characteristics

Bathrooms

3

Elevator

No

Terrace

Yes

Parking

No

Year built

2005

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

F

Legal & cadastral analysis

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Cadastral data

Cadastral ref.
6574110DF1967S0001EJ
Cadastral area
256 m²
Year built
2005
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

73/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
20/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de 243.59m² en Rubí a 1753€/m² (mediana zona 2307€/m², delta -24.0%). Buen Estado. Posesión libre. Zona media, inventario reciente (14 días).

Strengths

  • +Descuento del -24.0% frente a la mediana zonal (2307€/m²)
  • +Estado habitable sin reforma inmediata
  • +BuildingCenter (CaixaBank) declara el activo con posesión: 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.

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Location

Rubí, 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

-23.4%Good price
Scope
Municipality
Zone median
€2,288 /m²
This asset
€1,753 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

-16.7%Good price
Scope
Postal code
Zone median
€2,104 /m²
This asset
€1,753 /m²
Samples
66
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€427,000
Transfer tax (ITP) 10% — Cataluña€42,700
Notary (est.)€641
Land Registry (est.)€427
Admin agency (est.)€1,495
Estimated total investment€472,263

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 updated9 Oct 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