AtalayaAtalaya

Apartment in Salt

Salt, Girona • Ref: #DE677CC8

€104,000-26% vs area market
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Size

100 m²

Price / m²

€1,040

Rooms

4

OccupancyOccupied · legal tenantDeduced by AI
58
Apartment in Salt — Salt
Photo: Hipoges
1 / 3

AI visual analysis

Automated analysis · physical condition

3 of 3 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: edificio plurifamiliar de varias plantas con caravista y elementos de hormigon que presentan desgaste superficial y envejecimiento.
  • •Balcon: terrazas y balcones con barandillas metalicas antiguas, cerramientos dispares y signos de falta de mantenimiento.
  • •Exterior: acceso al portal a pie de calle con carpinteria de aluminio basica y pequeno desconchon en esquina de ladrillo.

Description

Inmueble alquilado y sin acceso al interior. Las fotografías del interior pueden no ajustarse al estado actual. NO COBRAMOS COMISIÓN DE INTERMEDIACIÓN AL COMPRADOR. Excelente oportunidad de adquirir en propiedad esta espectacular vivienda muy bien distribuida ubicada en la encantadora localidad de Salt, provincia de Girona. La vivienda ofrece un lienzo en blanco para crear la vivienda de tus sueños. Su diseño espacioso y su distribución funcional ofrecen un sinfín de posibilidades para personalizarlo según tus gustos y necesidades. Se encuentra en una zona residencial muy apreciada, con todos los servicios necesarios a solo unos minutos. Situada en una zona tranquila con fácil acceso a todos los servicios. Además, la cercanía a la ciudad hace de esta vivienda una excelente opción para aquellos que buscan vivir en un entorno más relajado sin renunciar a las comodidades de la ciudad. ¡¡¡No pierdas esta oportunidad!!! ¿Quieres más información? Estaremos encantados de atenderte. Hipoges es una plataforma inmobiliaria donde podrás acceder a miles de activos inmobiliarios. Hipoges cuenta con una amplia cartera de activos inmuebles tanto en España como en Portugal y Grecia. **IMNUEBLE SUJETO A RÉGIMEN DE PROTECCIÓN OFICIAL** ¿Necesitas financiación? Te ofrecemos la posibilidad de financiaciones de hasta el 100% para la compra de este inmueble. Entra en Finanwin.com, haz tu simulación y obtén la mejor oferta para tu Hipoteca de la manera más ágil y sencilla.

Characteristics

Bathrooms

3

Floor

2

Elevator

No

Terrace

No

Parking

No

Year built

1970

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

G

Legal & cadastral analysis

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Cadastral data

Unverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
1969207DG8416H

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: High

Score breakdown

Zone delta
19/30
Possession
12/20
Physical state
14/25
Legal liens
7/15
Zone liquidity
9/15

Vivienda de 100.00m² en Salt a 1040€/m² (mediana zona 1381€/m², delta -24.7%). Estado Mejorable. Posesión con inquilino legal. Zona baja, 140 días en mercado.

Strengths

  • +Descuento del -24.7% frente a la mediana zonal (1381€/m²)

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

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

-26.0%Strong opportunity
Scope
Municipality
Zone median
€1,405 /m²
This asset
€1,040 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

-5.4%In line
Scope
City
Zone median
€1,099 /m²
This asset
€1,040 /m²
Samples
40
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€104,000
Transfer tax (ITP) 10% — Cataluña€10,400
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€364
Estimated total investment€115,764
Estimated refurbishment (state: mejorable)€40,000 – €70,000

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.
9 Sept 2026
€85,000arrow_forward€104,000-22.35%

Listing intel

SourceHipoges
On Atalaya since13 May 2026
Last updated9 Oct 2026

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Aggregated data from public sources and servicer Hipoges. 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