Lissone · 64 m² · Apartment

Appartamento all'asta in Via Santa Margherita 20, Lissone, 64 mq

Via Santa Margherita 20, Lissone (Monza e della Brianza)

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

The lot

Appartamento di 64 mq a Lissone: prezzo base € 90.000 (1.406 €/mq), occupato dal debitore (lo dice l'avviso).

Type	Apartment
Surface area	64 m²
Occupancy status	Occupied by the debtor (vacated after the transfer decree) · from the notice
Deadline for offers	13/01/2027 at 13:00 · in 67 days
Auction date	15/01/2027 at 09:00
Minimum offer	€67,500
Deposit	10% of the price you offer
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. 12/2026 · Lotto 1 · Tribunale di Monza
Viewings and information	Sale delegate and court-appointed custodian: Annamaria Fedeli · 02798254 · fedeli.lex@gmail.com

Offerte entro mercoledì 13/01/2027 alle 13:00; asta venerdì 15/01/2027.

Read the text of the notice

Dall'avviso: Appartamento di 64 mq al piano 3 senza ascensore: ingresso/disimpegno, soggiorno con balcone, cucina, camera e bagno oltre ripostiglio al piano terra.

If this auction also goes unsold, the judge can usually reduce the base price (prezzo base) by up to a quarter: at the next attempt it could start from about €67,500, with a minimum offer (offerta minima) of €50,625. This is the maximum allowed by law (art. 591 c.p.c.), not a forecast: the reduction is decided by the judge and in the meantime the lot may be awarded to others.

How to take part

Online bid digitally signed via certified email (PEC) on the Public Sales Portal. Minimum offer €67,500.

Book the viewing through the Public Sales Portal (Portale delle Vendite Pubbliche, PVP), using the «Book viewing» button on the official listing: by law, requests go through there (art. 560 c.p.c.). Court-appointed custodian (custode): Annamaria Fedeli · 02798254. You can call the custodian with questions about the property. Read the attached appraisal report (perizia).
Prepare PEC, digital signature, ID document and the bank transfer for the deposit (10% of the price you offer, as the notice requires).
Submit the online offer on the Public Sales Portal by Wednesday 13/01/2027 at 13:00.
Asta venerdì 15/01/2027 alle 09:00: se ti aggiudichi il lotto, saldo nei termini dell'avviso e poi 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.

Scheda ufficiale sul Portale Vendite Pubbliche (prenota la visita)

Fonte dei dati: Asta giudiziaria (avviso ufficiale). Colpo d’Asta è un servizio privato, non il sito ufficiale della vendita: fa fede l'avviso. Segnala un errore o chiedi la rimozione di questa scheda.

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: 10% of the price offered (as the notice requires), paid by bank transfer before the auction
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
Occupied by the debtor: the court-appointed custodian handles the vacating on the judge's order; allow a few months before you can move in

What you really need

Deposit: €6,750 (10% of the minimum offer, as the notice requires) or €9,000 if you offer the base price
Registration tax (imposta di registro): €1,450 if it is a first home (prima casa) (2%, minimum €1,000) or €6,175 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes; if a company is being sold, VAT may apply: the notice will say so. If you buy as an individual and the sale is not subject to VAT, you can ask for the tax to be calculated on the cadastral value rather than the price: this is often much lower. Ask the sale delegate or the notary.
Con il prezzo-valore (rendita € 247,90) l'imposta sarebbe di circa € 1.100 prima casa / € 2.911 seconda casa, sempre comprese ipotecaria e catastale: chiedilo al delegato.
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 €67,500: approximately €69,950-€76,175
Estimate starting from the minimum offer: monthly payment of about €232 with a 70% mortgage (€47,250) over 25 years at 3.3%; about €22,700 in savings is needed: the 30% not covered by the mortgage (the deposit paid is part of it and is deducted from the price), the tax and the fees
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: €102,400 – €137,600

OMI values for standard homes, area “Periferia”, first half of 2026, normal condition, × 64 m².

After a full renovation: €140,800 – €185,600

OMI values for the same area, excellent condition, × 64 m².

What the works cost

Works	€/m²	Total for 64 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€12,800 – €25,600
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€25,600 – €51,200
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€44,800 – €83,200

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 €67,500 + taxes €6,175 + delegated professional €1,000 – €2,500	€74,675 – €76,175	€102,400 – €137,600OMI, normal condition	+€26,225 – +€62,925
Fully renovate and resellminimum offer €67,500 + taxes €6,175 + delegated professional €1,000 – €2,500 + works €44,800 – €83,200	€119,475 – €159,375	€140,800 – €185,600OMI, excellent condition	from −€18,575 to +€66,125

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

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 €67,500, with a minimum offer from €50,625. 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 Lissone (438 homes on a 4+4 open-market contract, 10 €/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€5,712

Gross income €7,692 a year. Yield on the total cost: gross 7.8%, net 5.8%. 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

Auctions in Lissone ↗

Area value: in OMI area D1 “Periferia” (outlying), for standard homes in normal condition, the Italian Revenue Agency gives between €1,600 and €2,150 per m² of gross floor area. At the starting price it costs €1,406 per m²: 12% below the minimum of the area. For 64 m² the area range is worth between €102,400 and €137,600. Rents in the area: 6.6–9.2 €/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 Lissone: €29,639 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

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

€364 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.