Paderno Dugnano · 87 m² · Apartment

Apartment with cellar at auction in Via Bolivia 41, Paderno Dugnano, 87 m²

Via Bolivia 41, Paderno Dugnano (Milano)

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

The lot

87 m² apartment with cellar in Paderno Dugnano: base price €125,000 (€1,437/m²), tenanted (existing lease: check expiry date and enforceability in the appraisal report).

Type	Apartment
Surface area	87 m²
Occupancy status	Leased (lease in place: check expiry; enforceability in the appraisal) · from the appraisal report
Deadline for offers	12/12/2026 at 13:00 · in 37 days
Auction date	15/12/2026 at 15:00
Minimum offer	€125,000 (equal to the base price: this notice does not accept reduced offers)
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. 1624/2024 · Lot 1 · Court of Monza
Viewings and information	Sale delegate and court-appointed custodian: Alberto Brenzone · 0362624771 · info@legal-brenzone.it

Offers due by Saturday 12/12/2026 at 13:00; auction on Tuesday 15/12/2026.

Read the text of the notice

From the notice: Apartment of 87 m² on the 3rd floor of the building in Paderno Dugnano – Via Bolivia no. 41 – comprising: entrance hall with corridor, living room, kitchen, 2 bedrooms, 1 storage room, 1 bathroom, 2 balconies, plus a cellar on the semi-basement floor.

If this sale also goes unsold, the judge can, as a rule, reduce the base price (prezzo base) by up to a quarter: at the next attempt it could start from around €93,750, with a minimum offer (offerta minima) of €70,312. 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 someone else.

How to take part

Online offer digitally signed and sent via certified email (PEC) on the Public Sales Portal. Minimum offer (offerta minima) €125,000.

Book the viewing via the Public Sales Portal (Portale delle Vendite Pubbliche, PVP), using the «Book viewing» button on the official listing: by law, requests must go through there (art. 560 c.p.c.). Court-appointed custodian (custode): Alberto Brenzone · 0362624771. 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 bid on the Public Sales Portal by Saturday 12/12/2026 at 13:00.
Auction on Tuesday 15/12/2026 at 15:00: if you are awarded the lot, pay the balance within the terms of the notice, and then the transfer decree follows.

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)

Source of the data: Judicial 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: 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
Anyone occupying without title will be removed by the court-appointed custodian, and the timing should be factored in

What you really need

Deposit: €12,500 (10% of the base price, as the notice requires)
Registration tax (imposta di registro): €2,600 if first home (prima casa) (2%, minimum €1,000) or €11,350 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 states this. If you are buying as an 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.
Share of the sale delegate's fee for the transfer (DM 227/2015), registration and change of ownership: approximately €1,000-€2,500
Estimated total budget starting from €125,000: approx. €128,600–€138,850
Estimate starting from the base price: monthly instalment of about €429 with a mortgage at 70% (€87,500) over 25 years at 3.3%; about €41,100 of savings needed: the 30% not covered by the mortgage (the deposit paid is part of this and is deducted from the price), the registration 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: €143,550 – €191,400

OMI values for standard homes, area “Incirano, Calderara, Cassina Amata, Villaggio Ambrosiano, Tangenziale”, first half of 2026, normal condition, × 87 m².

After a full renovation: €195,750 – €278,400

OMI values for the same area, excellent condition, × 87 m².

What the works cost

Works	€/m²	Total for 87 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€17,400 – €34,800
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€34,800 – €69,600
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€60,900 – €113,100

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 €125,000 + taxes €11,350 + delegated professional €1,000 – €2,500	€137,350 – €138,850	€143,550 – €191,400OMI, normal condition	+€4,700 – +€54,050
Fully renovate and resellminimum offer €125,000 + taxes €11,350 + delegated professional €1,000 – €2,500 + works €60,900 – €113,100	€198,250 – €251,950	€195,750 – €278,400OMI, excellent condition	from −€56,200 to +€80,150

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

15 December 2026€125,000
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 €93,750, with a minimum offer from €70,313. 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 Paderno Dugnano (351 homes on a 4+4 open-market contract, 8.7 €/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€6,710

Gross income €9,036 a year. Yield on the total cost: gross 6.6%, net 4.9%. 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

Auctions in Paderno Dugnano ↗

Area value: in OMI area D1 “Incirano, Calderara, Cassina Amata, Villaggio Ambrosiano, Tangenziale” (outlying), for standard homes in normal condition, the Italian Revenue Agency gives between €1,650 and €2,200 per m² of gross floor area. At the starting price it costs €1,437 per m²: 13% below the minimum of the area. For 87 m² the area range is worth between €143,550 and €191,400. Rents in the area: 6.5–9.1 €/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.
43,571 homes sold in the last 4 quarters (rest of the province, MI), 61% with a mortgage. In Q2 2026: −1% on a year earlier.Italian Revenue Agency – OMI, data up to Q2 2026.
Average declared income in Paderno Dugnano: €29,171 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

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

€506 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.