Vimercate · 25.5 m² · Apartment

Flat at auction in Via Moriano 10, Vimercate, 25 m²

Via Moriano 10, Vimercate (Monza e della Brianza)

Photos published with the sale documents. The official notice prevails.

The lot

Flat of 25 m² in Vimercate: base price €21,150 (€829/m²), vacant (as stated in the notice).

Type	Apartment
Surface area	25 m²
Occupancy status	Vacant · from the notice
Deadline for offers	14/12/2026 at 13:00 · in 39 days
Auction date	16/12/2026 at 15:00
Minimum offer	€15,862
Deposit	at least 10% of the price you offer: the exact percentage is in the notice
Minimum bid increment	€1,000
Type of sale	Court-ordered sale published on the Public Sales Portal (Court of Monza)
Sale method	Synchronous online auction: live online bidding at a fixed time
Proceedings	R.G.E. 527/2024 · Court of Monza
Viewings and information	Sale delegate: Michele Castoldi · 039320665 · valentina@volpaticastoldi.it

Offers by Monday 14/12/2026 at 13:00; auction Wednesday 16/12/2026.

Read the text of the notice

From the notice: Flat located in Vimercate Via Moriano 10, with commercial area of 25.50 m², for the 1/1 share of full ownership. Property with warehouse use. The property is laid out on the ground and first floors, with a room used as a kitchen and service area on the ground floor and a room used as a bedroom on the first floor. At the date of the inspection the floors are served by a spiral staircase.

How to take part

Online bid digitally signed via PEC (certified email) on the Public Sales Portal. Minimum offer (offerta minima) €15,862.

Book your viewing through the Public Sales Portal, using the «Book viewing» button on the official listing: by law, requests go through there (art. 560 c.p.c.). For questions about the property, contact the sale delegate (delegato alla vendita): Michele Castoldi · 039320665. Read the attached appraisal report (perizia).
Prepare PEC, digital signature, document and the bank transfer for the deposit (cauzione) (the percentage is in the notice, often 10%).
Submit your online offer via the Public Sales Portal by Monday 14/12/2026 at 13:00.
Auction on Wednesday 16/12/2026 at 15:00: if you win 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

The documents remain on the servers of the seller: here you will only find the link.

Official listing on the Public Sales Portal (book viewing)

Data source: judicial auction (official notice). Colpo d’Asta is a private service, not the official sale website: the notice is what counts. Report an error or request removal of this listing.

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 for a first home (prima casa; 2%, minimum €1,000) or €1,528 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes. If a business 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 delegate or the notary.
With the price-value (cadastral income of €142.03), the tax would be about €1,100 for a first home / €1,711 for a second home, always including mortgage and cadastral taxes: ask the 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 €15,862: about €17,962-€19,890
Estimate starting from the minimum offer: monthly instalment of about €54 with a 70% mortgage (€11,104) over 25 years at 3.3%; about €6,859 of savings needed: the 30% not covered by the mortgage (the deposit paid, cauzione, is part of it and is deducted from the price), the tax and the 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: €39,525 – €52,275

OMI values for abitazioni civili, area “Ruginello, Oldaniga, Ex Ibm, Cascina Foppa”, first half of 2026, normal condition, × 26 m².

After a full renovation: €53,550 – €66,300

OMI values for the same area, excellent condition, × 26 m².

What the works cost

Works	€/m²	Total for 26 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€5,100 – €10,200
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€10,200 – €20,400
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€17,850 – €33,150

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

The potential margin

Scenario	Total cost	Resale	Margin
Resell as it isminimum offer €15,862 + taxes €1,528 + delegated professional €1,000 – €2,500	€18,390 – €19,890	€39,525 – €52,275OMI, normal condition	+€19,635 – +€33,885
Fully renovate and resellminimum offer €15,862 + taxes €1,528 + delegated professional €1,000 – €2,500 + works €17,850 – €33,150	€36,240 – €53,040	€53,550 – €66,300OMI, excellent condition	+€510 – +€30,060

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

23 September 2026€28,200
No bids (deserted)
16 December 2026€21,150
This sale · 25% lower than the previous attempt

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 €15,863, with a minimum offer from €11,897. This is the maximum reduction, not a forecast.

Where it is

If you rent it out

Starting rents estimated from rental contracts registered in 2025 in Vimercate (221 homes on a 4+4 open-market contract, 9.2 €/m² a month on average). Change the numbers to run your own figures.

Monthly rent (€)Months without a tenant (% of the year)Flat-rate rental tax (%)Total cost: price, taxes, works (€)

Simulated net per year€2,085

Gross income €2,808 a year. Yield on the total cost: gross 12.1%, net 9%. 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.

The market here

Area value: in OMI area D1 “Ruginello, Oldaniga, Ex Ibm, Cascina Foppa” (periferica), for abitazioni civili in normale condition, the Italian Revenue Agency gives between €1,550 and €2,050 per m² of lorda floor area. At the starting price it costs €829 per m²: 46% below the minimum of the area. For 25.5 m² the area range is worth between €39,525 and €52,275. Rents in the area: 6.5–8.4 €/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 Vimercate: €33,501 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

Loan amount (€)Term (years)Assumed interest rate (%)

€86 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.