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Bovisio-Masciago · 32 m² · Apartment

Apartment at auction in Corso Milano 10, Bovisio-Masciago, 32 sq m

Corso Milano 10, Bovisio-Masciago (Monza e della Brianza)

The appraisal report in brief

  1. Occupancy and title

    Single lot: at the time of the inspection the property was found occupied without any title.

    «Alla data del sopralluogo l'immobile risultava occupato senza alcun titolo»

    Quote from the report (Italian), page 3 ↗
  2. Planning and land-registry discrepancies

    Single lot: the appraiser writes that the property is non-compliant and cannot be regularised, and that there are no conditions for considering it a separate unit.

    «L'immobile risulta non conforme e non regolarizzabile.»

    Quote from the report (Italian), page 6 ↗
  3. Unauthorised building works

    Single lot: the appraiser writes that the property has no habitability certificate and that the costs of regularisation or restoration to original condition cannot be quantified.

    «IMMOBILE PRIVO DI ABITABILITA'»

    Quote from the report (Italian), page 6 ↗
  4. Planning and land-registry discrepancies

    Single lot: the usable floor area is about 27.90 m², below the 30 m² minimum of the Building Regulations; the bathroom also has no lobby and the rooms do not comply with regulations.

    «L'unità immobiliare non raggiunge la superficie minima utile di mq. 30 come richiesta dal»

    Quote from the report (Italian), page 6 ↗
  5. Unpaid condominium fees

    Single lot: overdue and unpaid condominium charges as of the date of the appraisal amount to €6,362.84.

    «Spese condominiali scadute ed insolute alla data della perizia:»

    Quote from the report (Italian), page 3 ↗
  6. Unpaid condominium fees

    Single lot: extraordinary expenses have been resolved for the roof replacement, amounting to €496.95, payable in five instalments until 15/12/2026.

    «SPESE STRAORDINARIE RIFACIMENTO TETTO PORZIONE NORD: € 496,95 TOTALE»

    Quote from the report (Italian), page 4 ↗
  7. Systems (plumbing, electrical, heating)

    Single lot: the appraiser writes that all the systems do not work and must be redone; compliance has not been verified with instruments.

    «Tutti gli impianti risultano non funzionanti e completamente da rifare»

    Quote from the report (Italian), page 6 ↗
  8. State of repair

    Single lot: the property is in a state of total neglect, with flooding from the floor above, detached plaster and cracks to be checked.

    «L’immobile si presenta in totale stato di abbandono, con impianti non funzionanti.»

    Quote from the report (Italian), page 8 ↗
  9. State of repair

    Single lot: the appraiser does not know whether the flooding has weakened floor slabs and walls; possible hidden defects such as sfondellamento (collapse of hollow ceiling slabs).

    «Non è noto se tale allagamento abbia indebolito parti strutturali del solaio e della parete verticale in mattoni.»

    Quote from the report (Italian), page 8 ↗
  10. Regularisation costs

    Single lot: the appraiser writes that the cost of regularisation cannot be established precisely, and indicates €0.00 as regularisation costs.

    «Pertanto non è possibile stabilire con precisione le modalità e il costo complessivo per la»

    Quote from the report (Italian), page 5 ↗
  11. Other

    Single lot: two mortgages and an attachment are registered; the appraiser says they will be cancelled by the procedure.

    «VINCOLI ED ONERI GIURIDICI CHE SARANNO CANCELLATI A CURA DELLA»

    Quote from the report (Italian), page 3 ↗

Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 13 of 13. Summary of 5 November 2026. Open the report ↗

The lot

Apartment of 32 sq m in Bovisio-Masciago: base price €29,250 (€914/m²), vacant (as the notice states).

TypeApartment
Surface area32 m²
Occupancy statusVacant · from the notice
Deadline for offers03/02/2027 at 13:00 · in 90 days
Auction date05/02/2027 at 11:00
Minimum offer€21,938
Depositat least 10% of the price you offer: the exact percentage is in the notice
Minimum bid increment€1,000
Type of saleCourt-ordered sale published on the Public Sales Portal (Court of Monza)
Sale methodSynchronous online auction: live online bidding at a fixed time
ProceedingsR.G.E. 502/2025 · Court of Monza
Viewings and informationSale delegate: Angelo Camnasio · 0362303455 · procedureimmobiliari@studiocamnasio.it

Offers by Wednesday 03/02/2027 at 13:00; auction on Friday 05/02/2027.

Read the text of the notice

From the notice: Apartment in Bovisio-Masciago, Corso Milano 10, with a commercial floor area of 32.50 m², for a 1/1 share of full ownership.

If this sale also ends with no bids (asta deserta), the judge can normally reduce the base price (prezzo base) by up to a quarter: at the next attempt it could start from around €21,938, with a minimum offer (offerta minima) of €16,453. This is the maximum allowed by law (art. 591 c.p.c.), not a forecast: the judge decides the reduction, and in the meantime the lot can be awarded to someone else.

How to take part

Online offer digitally signed and sent via PEC to the Public Sales Portal (Portale delle Vendite Pubbliche, PVP). Minimum offer (offerta minima) €21,938.

  1. Book your viewing through the Public Sales Portal (Portale delle Vendite Pubbliche, PVP), using the «Prenota visita» button on the official listing: by law, requests must go through there (art. 560 c.p.c.). For questions about the property, your contact is the sale delegate (delegato alla vendita): Angelo Camnasio · 0362303455. Read the attached appraisal report (perizia).
  2. Prepare PEC, digital signature, document and the bank transfer for the deposit (cauzione) (the percentage is in the notice, often 10%).
  3. Submit the online offer on the Public Sales Portal by Wednesday 03/02/2027 at 13:00.
  4. Auction on Friday 05/02/2027 at 11:00: if you are awarded the lot, pay the balance within the terms of the notice and then the transfer decree (decreto di trasferimento).

The public appraisal report, with photos and the condition of the property, is free and is among the attachments to the notice: read it before making an offer.

Official documents

Costs and conditions to factor in

The items below are the general rules for this type of sale: the exact figures are in the notice linked at the bottom.

  • Deposit paid by bank transfer before the auction: the percentage is set by the notice (often 10%, sometimes 20%), so check it before paying
  • Balance of the price within the deadline set by the notice (here 120 days from the award)
  • Registration tax or VAT as in a standard sale; plus the share of the sale delegate's fee for the transfer and the costs of registering the transfer decree
  • No commission to pay to the court or the seller. If you choose our assisted service, the fee is separate and we will tell you in writing before we start

What you really need

  • Deposit: the notice sets the percentage (often 10%, sometimes 20%): check it before making the bank transfer
  • Registration tax (imposta di registro): €1,100 if first home (prima casa) (2%, minimum €1,000), or €2,074 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes. If a company is selling, VAT may apply: the notice says so. If you buy as a private individual and the sale is not subject to VAT, you can ask for the tax to be calculated on the cadastral value instead of the price: this is often much lower. Ask the sale delegate or the notary.
  • With the price-value method, based on cadastral income (rendita catastale) of €175.60, the tax would be around €1,100 for a first home / €2,091 for a second home, always including mortgage and cadastral taxes: ask the sale delegate.
  • Share of the sale delegate's fee for the transfer (DM 227/2015), registration and change of ownership: approximately €1,000-€2,500
  • Indicative total budget starting from €21,938: around €24,038 - €26,512
  • Estimate starting from the minimum offer (offerta minima): monthly instalment of about €75 with a 70% mortgage (€15,356) over 25 years at 3.3%; you need about €8,681 in savings: the 30% not covered by the mortgage (the deposit paid, cauzione, is part of it and is deducted from the price), the tax and fees; estimate with a 10% deposit
  • These are estimates based on the general rules, not a quote: the exact figure depends on the notice, your tax situation and the bank.

The investment figures

What it is worth on the market

As it is: €44,800 – €60,800

OMI values for standard homes, area “Centro Urbano”, first half of 2026, normal condition, × 32 m².

After a full renovation: €62,400 – €83,200

OMI values for the same area, excellent condition, × 32 m².

What the works cost

Works€/m²Total for 32 m²
LightPainting, minor repairs, sanitary ware and doors€200 – €400€6,400 – €12,800
MediumBathroom, kitchen, flooring and upgrading of the systems€400 – €800€12,800 – €25,600
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls€700 – €1,300€22,400 – €41,600

Sources: idealista.it, money.it, cosedicasa.com, varesenews.it. VAT on the works, designer fees and tax incentives excluded.

The potential margin

ScenarioTotal costResaleMargin
Resell as it isminimum offer €21,938 + taxes €2,074 + delegated professional €1,000 – €2,500€25,012 – €26,512€44,800 – €60,800OMI, normal condition+€18,288 – +€35,788
Fully renovate and resellminimum offer €21,938 + taxes €2,074 + delegated professional €1,000 – €2,500 + works €22,400 – €41,600€47,412 – €68,112€62,400 – €83,200OMI, excellent conditionfrom −€5,712 to +€35,788

Estimates based on local averages and typical costs, not an appraisal or a quote: the actual condition is stated in the appraisal report.

Excludes VAT on the works, designer, tax credits, sale costs (agency) and taxes on capital gains if you resell within 5 years.

History of the lot

  1. 5 February 2027€29,250

    This sale

If this sale gets no bidders, the judge can lower the starting price by up to a quarter (art. 591 of the Code of Civil Procedure): the next attempt could start from about €21,938, with a minimum offer from €16,453. This is the maximum reduction, not a forecast.

Where it is

Position taken from the address in the notice: it may be approximate. © OpenStreetMap contributors, open the map.

If you rent it out

Starting rents estimated from rental contracts registered in 2025 in Bovisio-Masciago (113 homes on a 4+4 open-market contract, 8.1 €/m² a month on average). Change the numbers to run your own figures.

Simulated net per year€2,308

Gross income €3,108 a year. Yield on the total cost: gross 9.7%, net 7.2%. The net figure deducts the months without a tenant and the flat-rate tax, before IMU property tax, condominium fees, maintenance and utilities.

Rents: Italian Revenue Agency – OMI, registered contracts. Total cost, vacancy, occupancy and fee are Colpo d’Asta estimates. A simulation, not a promise of return nor tax advice.

  • Area value: in OMI area B1 “Centro Urbano” (central), for standard homes in normal condition, the Italian Revenue Agency gives between €1,400 and €1,900 per m² of gross floor area. At the starting price it costs €914 per m²: 35% below the minimum of the area. For 32 m² the area range is worth between €44,800 and €60,800. Rents in the area: 7.3–8.4 €/m² a month.Italian Revenue Agency – OMI, values for the first half of 2026. These are average values for the area: they do not reflect actual condition, occupancy or unauthorised works, and at auction the price can rise above the starting price.
  • Average declared income in Bovisio-Masciago: €28,725 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

€118 a month

Starting point: a mortgage of 80% of the starting price, 25 years, at the average rate of new mortgages in Italy (3.6%, ECB 2026-09). French amortisation at a fixed rate, fees and insurance excluded. Your bank sets the real rate: this is not a credit offer.

We call you back for free about this property

An agent reads the notice and the appraisal with you and explains the steps to take part. No commitment: any professional services and their costs are agreed beforehand.

The official notice of sale prevails.

At least one of email and phone is required.

We call you back for free