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Agrate Brianza · 56.9 m² · Apartment

Flat with car space and cellar at auction in Via Ghiringhella 90C, Agrate Brianza, 56 m²

Via Ghiringhella 90C, Agrate Brianza (Monza e della Brianza)

The appraisal report in brief

  1. Occupancy and title

    Lot 1: the appraiser writes that on the date of the inspection the property is occupied by the debtor. He does not indicate any other occupancy titles.

    «Alla data del sopralluogo l'immobile risulta occupato dal debitore»

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

    Lot 1: the appraiser reports an irregularity in the aero-lighting ratio of the entrance-living room-kitchen, compared with regulatory requirements. He describes it as non-compliant but regularisable.

    «Nel vano ingresso-soggiorno-cucina al piano terreno, la verifica dei rapporti aero-illuminanti rileva una difformità rispetto ai requisiti normativi vigenti»

    Quote from the report (Italian), page 7 ↗
  3. Planning and land-registry discrepancies

    Lot 1: for cadastral compliance the appraiser indicates irregularities that can be regularised with a DOCFA filing, at an estimated cost of €400 and with timings to be defined.

    «Le difformità sono regolarizzabili mediante: Pratcia catastale di aggiornamento con DOCFA»

    Quote from the report (Italian), page 9 ↗
  4. Regularisation costs

    Lot 1: the appraiser estimates building regularisation costs of €3,100 for works and technicians, plus €400 for the cadastral update. In the overall assessment he also cites €3,500 in regularisation costs. Timings are to be defined.

    «Costi opere e tecnici per pratica edilizia €.3.100,00»

    Quote from the report (Italian), page 8 ↗
  5. Unpaid condominium fees

    Lot 1: the appraiser reports overdue and unpaid condominium charges of €1,430.49 as of the date of the appraisal. In the warnings he adds a previous management balance of €2,323.28.

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

    Quote from the report (Italian), page 4 ↗
  6. Unpaid condominium fees

    Lot 1: the appraiser writes that the ordinary annual charges amount to €917.03 plus a balance from previous management of €2,323.28, payable in 4 instalments.

    «un saldo gestione precedente di € 2.323,28, suddivise in 4 rate»

    Quote from the report (Italian), page 4 ↗
  7. Restrictions and easements

    Lot 1: the appraiser reports that the 2008 sale deed contains special agreements, including obligations to maintain the greenery, plant hedges, and allow access to the units for maintenance of the pipes and inspection of the flues.

    «L'obbligo di concedere l'accesso alle proprie unità per la manutenzione delle tubazioni e per l'ispezione»

    Quote from the report (Italian), page 5 ↗
  8. Systems (plumbing, electrical, heating)

    Lot 1: the appraiser writes that no installation booklets or inspection reports for the heating system have been obtained. The buyer must check the maintenance and, if necessary, regularise it, at an estimated cost of €200-300.

    «Non risultano acquisiti libretti di impianto o rapporti di controllo.»

    Quote from the report (Italian), page 9 ↗
  9. Other

    Lot 1: the appraiser writes that no asbestos or radon survey has been carried out, and that any costs for irregularities not detectable without invasive investigations remain with the buyer.

    «Nessuna indagine è stata condotta su: sostanze nocive»

    Quote from the report (Italian), page 21 ↗
  10. Other

    Lot 1: the appraiser writes that the asset cannot be conveniently divided into shares.

    «immobile NON risulta comodamente divisibile in quote.»

    Quote from the report (Italian), page 23 ↗
  11. Other

    Lot 1: the appraiser reports a voluntary mortgage (ipoteca volontaria) registered in 2008 and two attachments (pignoramenti). He indicates them as encumbrances to be cancelled by the procedure.

    «La formalità è riferita solamente a Immobili oggetto di procedura esecutiva»

    Quote from the report (Italian), page 4 ↗

Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 23 of 23. Summary of 5 November 2026. Open the report ↗

The lot

56 m² flat with car space and cellar in Agrate Brianza: base price €101,830 (€1,790/m²), occupied by the debtor (as the notice states).

TypeApartment
Surface area56 m²
Occupancy statusOccupied by the debtor (vacated after the transfer decree) · from the notice
Deadline for offers08/12/2026 at 13:00 · in 33 days
Auction date10/12/2026 at 14:00
Minimum offer€76,372
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. 449/2025 · Court of Monza
Viewings and informationSale delegate and court-appointed custodian: Sabrina Leopizzi · 0392308453 · s.leopizzi@studiodottleopizzi.it

Offers by Tuesday 08/12/2026 at 13:00; auction on Thursday 10/12/2026.

Read the text of the notice

From the notice: two-room flat (1000/1000) on the ground floor, with a commercial surface area of 56.88 m², comprising entrance hall, living room, kitchenette, one bedroom, bathroom and hallway, plus a balcony, an exclusive outdoor area (small garden), a cellar on floor S1 and a double-length car space on floor S1.

If this sale also receives 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 €76,372, with a minimum offer (offerta minima) of €57,279. 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 offer digitally signed via certified email (PEC) on the Public Sales Portal (Portale delle Vendite Pubbliche, PVP). Minimum offer (offerta minima) €76,372.

  1. Book the viewing through the Public Sales Portal, using the «Prenota visita» (Book a visit) button on the official listing: by law, requests must go through it (art. 560 c.p.c.). Court-appointed custodian (custode): Sabrina Leopizzi · 0392308453. You can call the custodian with questions about the property. Read the attached appraisal report.
  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 Tuesday 08/12/2026 at 13:00.
  4. Auction Thursday 10/12/2026 at 14:00: if you win the lot, pay the balance within the terms of the notice and then the transfer decree.

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 (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): €1,627 if it is your first home (prima casa) (2%, minimum €1,000) or €6,974 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes; if the seller is a company, 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: it is often much lower. Ask the sale delegate (delegato alla vendita) or the notary.
  • With the price-value (cadastral income (rendita catastale) €232.40) the tax would be about €1,100 for a first home / €2,735 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 €76,372: about €79,000-€85,846
  • Estimate starting from the minimum offer: monthly instalment of about €262 with a 70% mortgage (€53,461) over 25 years at 3.3%; about €25,539 in savings needed: the 30% not covered by the mortgage (the deposit paid is part of it and is deducted from the price), the registration 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: €73,944 – €102,384

OMI values for standard homes, area “Periferia”, first half of 2026, normal condition, × 57 m².

After a full renovation: €102,384 – €139,356

OMI values for the same area, excellent condition, × 57 m².

What the works cost

Works€/m²Total for 57 m²
LightPainting, minor repairs, sanitary ware and doors€200 – €400€11,376 – €22,752
MediumBathroom, kitchen, flooring and upgrading of the systems€400 – €800€22,752 – €45,504
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls€700 – €1,300€39,816 – €73,944

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 €76,372 + taxes €6,974 + delegated professional €1,000 – €2,500€84,346 – €85,846€73,944 – €102,384OMI, normal conditionfrom −€11,902 to +€18,038
Fully renovate and resellminimum offer €76,372 + taxes €6,974 + delegated professional €1,000 – €2,500 + works €39,816 – €73,944€124,162 – €159,790€102,384 – €139,356OMI, excellent conditionfrom −€57,406 to +€15,194

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. 10 December 2026€101,830

    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 €76,373, with a minimum offer from €57,279. 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 Agrate Brianza (139 homes on a 4+4 open-market contract, 8.6 €/m² a month on average). Change the numbers to run your own figures.

Simulated net per year€4,375

Gross income €5,892 a year. Yield on the total cost: gross 5.3%, net 3.9%. 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.

  • Area value: in OMI area D1 “Periferia” (outlying), for standard homes in normal condition, the Italian Revenue Agency gives between €1,300 and €1,800 per m² of gross floor area. At the starting price it costs €1,790 per m², within the values of the area. For 56.9 m² the area range is worth between €73,944 and €102,384. Rents in the area: 5.9–8 €/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 Agrate Brianza: €30,900 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

€412 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