Brugherio · 77 m² · Apartment

Apartment with garage and cellar at auction in Via Cazzaniga 33, Brugherio, 77 m²

Via Cazzaniga 33, Brugherio (Monza e della Brianza)

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

The lot

Apartment of 77 m² with garage and cellar in Brugherio: base price €187,600 (€2,436/m²), vacant (the notice says so).

Type	Apartment
Surface area	77 m²
Occupancy status	Vacant · from the notice
Deadline for offers	17/11/2026 at 13:00 · in 12 days
Auction date	19/11/2026 at 15:30
Minimum offer	€140,700
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. 38/2026 · Lot 1 · Court of Monza
Viewings and information	Sale delegate and court-appointed custodian: Paolo Longoni · 0392268042 · paololongoni.procesecutive@gmail.com

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

Read the text of the notice

From the notice: apartment (full ownership 1000/1000) commercial area of 76.15 m², in a condominium (condominio) on the sixth floor (with lift) comprising living room, kitchen, bathroom and bedroom, plus two balconies, single garage and cellar. The single lot also includes: single garage (full ownership 1000/1000) of 15 m²; cellar (full ownership 1000/1000).

If this auction also ends with no bids (asta deserta), as a rule the judge can reduce the base price by up to a quarter: at the next attempt it could start from about €140,700, with a minimum offer of €105,525. 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 PEC (certified email) on the Public Sales Portal. Minimum offer (offerta minima) €140,700.

Book a 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.). Court-appointed custodian (custode): Paolo Longoni · 0392268042. You can call the custodian with questions about the property. Read the attached appraisal report.
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 15:30: if you are awarded 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

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

Official listing on the Public Sales Portal (book the viewing)

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

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): €2,914 if first home (prima casa) (2%, minimum €1,000) or €12,763 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 less. Ask the sale delegate or the notary.
Using the price-value (cadastral income €477.98), the tax would be about €1,204 for a first home / €5,520 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 €140,700: about €144,614-€155,963
Estimate starting from the minimum offer: monthly instalment of about €483 with a mortgage at 70% (€98,490) over 25 years at 3.3%; you need about €46,124 in savings: the 30% not covered by the mortgage (the deposit paid is part of this and is deducted from the price), the tax and fees; estimate with a deposit of 10%
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: €138,600 – €177,100

OMI values for abitazioni civili, area “Centro Urbano”, first half of 2026, normal condition, × 77 m².

After a full renovation: €177,100 – €215,600

OMI values for the same area, excellent condition, × 77 m².

What the works cost

Works	€/m²	Total for 77 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€15,400 – €30,800
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€30,800 – €61,600
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€53,900 – €100,100

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 €140,700 + taxes €12,763 + delegated professional €1,000 – €2,500	€154,463 – €155,963	€138,600 – €177,100OMI, normal condition	from −€17,363 to +€22,637
Fully renovate and resellminimum offer €140,700 + taxes €12,763 + delegated professional €1,000 – €2,500 + works €53,900 – €100,100	€208,363 – €256,063	€177,100 – €215,600OMI, excellent condition	from −€78,963 to +€7,237

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€187,600
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 €140,700, with a minimum offer from €105,525. 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 Brugherio (317 homes on a 4+4 open-market contract, 10.1 €/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€6,906

Gross income €9,300 a year. Yield on the total cost: gross 4.5%, net 3.4%. 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 B1 “Centro Urbano” (centrale), for abitazioni civili in normale condition, the Italian Revenue Agency gives between €1,800 and €2,300 per m² of lorda floor area. At the starting price it costs €2,436 per m²: 6% above the maximum of the area. For 77 m² the area range is worth between €138,600 and €177,100. Rents in the area: 7.5–9.9 €/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 Brugherio: €29,978 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

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

€759 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.