AtalayaAtalaya

Apartment in Terrassa

Sud, Terrassa, Barcelona • Ref: #CDFC5A65

€144,000
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Size

61 m²

Price / m²

€2,361

Rooms

1

OccupancyOccupied · legal tenant
57
Apartment in Terrassa — Sud, Terrassa
Photo: Alquizen

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Salon: Las paredes y el techo están recién pintados de blanco, sin signos de desgaste.
  • •Suelos: El suelo de baldosas está en buen estado, sin roturas ni manchas visibles.
  • •Puertas: Las puertas de madera están bien conservadas, con marcos limpios.
  • •Ventanas: La ventana es moderna, de aluminio, y se ve en buen estado.

Description

Vivienda con inquilino y contrato de alquiler vigente por 803 €/mes. Rentabilidad bruta estimada del 6,7 %. Contrato vigente hasta 04/2030. El arrendatario está al corriente de pago. Construida en 2003.

Characteristics

Bathrooms

1

Floor

3

Elevator

Yes

Terrace

Yes

Parking

No

Orientation

external

Year built

2003

Pool

No

Air conditioning

No

Storage room

No

Garden

No

Energy rating

G

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

57/100

Confidence: High

Score breakdown

Zone delta
8/30
Possession
12/20
Physical state
20/25
Legal liens
7/15
Zone liquidity
13/15

Vivienda de 61.00m² en Terrassa a 2361€/m² (mediana zona 2334€/m², delta +1.2%). Buen Estado. Posesión con inquilino legal. Zona alta, inventario reciente (8 días).

Strengths

  • +Estado habitable sin reforma inmediata
  • +Zona de alta actividad con inventario fresco

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

Sud, Terrassa, 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

+1.2%In line
Scope
Neighbourhood
Zone median
€2,334 /m²
This asset
€2,361 /m²
Period
junio 2026
Source
Idealista

vs other bank assets

+39.3%Above anchor
Scope
Postal code
Zone median
€1,695 /m²
This asset
€2,361 /m²
Samples
27
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€144,000
Transfer tax (ITP) 10% — Cataluña€14,400
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€504
Estimated total investment€159,904

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

SourceAlquizen
On Atalaya since17 Sept 2026
Last updated25 Sept 2026

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Aggregated data from public sources and servicer Alquizen. 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