Local Comercial en Hernani

Hernani, Gipuzkoa • Retail • Ref: #E20B4F0F

€132,000

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Size

127 m²

Price / m²

€1,039

OccupancyUnconfirmed

Photo: Escogecasa

1 / 7

AI visual analysis

Automated analysis · physical condition

7 of 7 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

•El local comercial se encuentra en buen estado general, con suelos de baldosa y moqueta, y techos con iluminacion empotrada.
•El bano esta completo y funcional, aunque con un estilo algo anticuado.
•La fachada del edificio y la calle se ven limpias y bien mantenidas.

descriptionDescription

Local comercial en planta baja de 102 m2 construidos, desarrollado en dos plantas. Distribuido en una zona diáfana de entrada en la planta inferior, y dos estancias junto con dos aseos en la entreplanta. Cuenta con una altura libre de 2,17 metros, una fachada de 3,52 metros y no dispone de salida de humos. Ubicado en un entorno residencial en el casco histórico con servicios generales cercanos y buenas comunicaciones por transporte público.

Characteristics

Elevator

Terrace

Parking

Year built

1960

Pool

Air conditioning

Heating

Storage room

Garden

Energy rating

routeHow to buy this asset from the bank

expand_more

1Contact the servicer from the official listing (or from Atalaya) and ask for availability and a viewing.
2Visit the property and verify real condition, possession and access. Ask for the habitability certificate and the energy certificate.
3Request a nota simple from the Land Registry (~€10) and the community-debt certificate.
4Submit your offer in writing. Servicers take it to committee: expect days to weeks. Offering below asking is standard practice.
5Once accepted: deposit contract (require 'free of occupants and belongings'), financing and deed before a notary.

checklistMinimum 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).

warningDebts 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.

account_balanceFinancing

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.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

ANALYZE

55/100

Confidence: Medium

Score breakdown

Zone delta: —
Possession: —
Retail location: 20/25
Legal liens: 7/15
Zone liquidity: —

Local comercial planta calle, multi-planta de 127.00m² en Hernani a 1039€/m² (mediana zona 668€/m², delta %). desconocida. Zona muy_baja sin fecha de publicación fiable.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 44 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

trending_upStrengths

+Estado habitable sin reforma inmediata

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

Hernani, Gipuzkoa

analyticsPrice 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.

account_balancevs other bank assets

+51.9%Above anchor

Scope: Province (MITMA)
Zone median: €684 /m²
This asset: €1,039 /m²
Samples: 50
Source: Atalaya (bank inventory)

Estimated acquisition costs

Asset price€132,000

Transfer tax (ITP) 4% — País Vasco€5,280

Notary (est.)€600

Land Registry (est.)€400

Admin agency (est.)€462

Estimated total investment€138,742

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

SourceEscogecasa

On Atalaya since16 Sept 2026

Last updated23 Sept 2026

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Aggregated data from public sources and servicer Escogecasa. 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