Bernareggio · 188 m² · Apartment

Apartment with garage at auction in Via Cascina Sofia 4, Bernareggio, 188 m²

Via Cascina Sofia 4, Bernareggio (Monza e della Brianza)

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

The lot

Apartment of 188 sqm with box (garage) in Bernareggio: base price €296,700 (€1,578/m²), occupied by the debtor (stated in the notice).

Type	Apartment
Surface area	188 m²
Occupancy status	Occupied by the debtor (vacated after the transfer decree) · from the notice
Deadline for offers	17/11/2026 at 13:00 · in 12 days
Auction date	19/11/2026 at 11:00
Minimum offer	€222,525
Deposit	at least 10% of the price you offer: the exact percentage is in the notice
Minimum bid increment	€1,500
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. 326/2020 · Court of Monza
Viewings and information	Sale delegate and court-appointed custodian: Matteo Luigi Martini · 0393902609 · m.martini@opuslex.it

Offers by Tuesday 17/11/2026 at 13:00; auction Thursday 19/11/2026.

Read the text of the notice

From the notice: Flat of 188 m² with private garden, spread over 3 floors, basement and two garage units, one of which is a double. The unit is on floor S1-T-1-2 (attic), staircase A, with a height of 2.50-2.75-1.80. Shared courtyard.

If this sale also receives no bids, as a rule the judge can reduce the base price (prezzo base) by up to a quarter: at the next attempt it could start from around €222,525, with a minimum offer (offerta minima) of €166,894. 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 another bidder.

How to take part

Online offer digitally signed and sent via PEC on the Public Sales Portal. Minimum offer (offerta minima) €222,525.

Book a viewing through the Public Sales Portal, using the «Prenota visita» button on the official listing: by law, requests must go through it (art. 560 c.p.c.). Court-appointed custodian (custode): Matteo Luigi Martini · 0393902609. You can call the custodian with questions about the property. 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%).
Send the online offer via the Public Sales Portal by Tuesday 17/11/2026 at 13:00.
Auction on Thursday 19/11/2026 at 11:00: if you become the successful bidder for the lot, pay the balance within the terms of the notice, after which the transfer decree is issued.

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 a viewing)

Data source: Asta giudiziaria (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 (at most 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: the notice sets the percentage (often 10%, sometimes 20%): check it before making the bank transfer
Registration tax (imposta di registro): €4,550 if first home (prima casa) (2%, minimum €1,000) or €20,127 in other cases (9%, minimum €1,000), already including €100 in mortgage and cadastral taxes; if the seller is a business, 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.
Based on the price-value (cadastral income of €810.58), the tax would be about €1,972 for a first home / €9,292 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 €222,525: about €228,075-€245,152
Estimate starting from the minimum offer: monthly payment of about €763 with a 70% mortgage (€155,768) over 25 years at 3.3%; about €72,308 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; 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: €263,200 – €329,000

OMI values for abitazioni civili, area “Periferia”, first half of 2026, normal condition, × 188 m².

After a full renovation: €338,400 – €432,400

OMI values for the same area, excellent condition, × 188 m².

What the works cost

Works	€/m²	Total for 188 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€37,600 – €75,200
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€75,200 – €150,400
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€131,600 – €244,400

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 €222,525 + taxes €20,127 + delegated professional €1,000 – €2,500	€243,652 – €245,152	€263,200 – €329,000OMI, normal condition	+€18,048 – +€85,348
Fully renovate and resellminimum offer €222,525 + taxes €20,127 + delegated professional €1,000 – €2,500 + works €131,600 – €244,400	€375,252 – €489,552	€338,400 – €432,400OMI, excellent condition	from −€151,152 to +€57,148

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

19 November 2026€296,700
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 €222,525, with a minimum offer from €166,894. 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 Bernareggio (124 homes on a 4+4 open-market contract, 8.2 €/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€13,803

Gross income €18,588 a year. Yield on the total cost: gross 5.7%, net 4.3%. 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 “Periferia” (periferica), for abitazioni civili in normale condition, the Italian Revenue Agency gives between €1,400 and €1,750 per m² of lorda floor area. At the starting price it costs €1,578 per m², within the values of the area. For 188 m² the area range is worth between €263,200 and €329,000. Rents in the area: 5.2–6.9 €/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 Bernareggio: €31,463 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

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

€1,201 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.