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Rho · 43 m² · Apartment

Apartment with cellar at auction in Via XXIV Maggio 8, Rho, 43 m²

Via XXIV Maggio 8, Rho (Milano)

The appraisal report in brief

  1. Occupancy and title

    Single lot: the property is occupied under a lease by tenants, under a 4+4 open-market lease (contratto 4+4) from 26/09/2022 to 27/09/2026 at an annual rent of €10,200.00, entered into before the foreclosure. The price is €79,300.00 if occupied, against €99,125.00 if vacant.

    «Al sopralluogo: occupato con titolo»

    Quote from the report (Italian), page 2 ↗
  2. Occupancy and title

    Single lot: the lease was entered into before the foreclosure, and the appraiser states that the rent is not low.

    «Il contratto è stato stipulato in data antecedente il pignoramento»

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

    Single lot: the unit does not conform to the last authorised state (notice D453/2009) due to a different layout of the internal spaces, which can be regularised with a sanatoria application.

    «Al sopralluogo l'unità immobiliare non risultava conforme all'ultimo stato autorizzato»

    Quote from the report (Italian), page 8 ↗
  4. Regularisation costs

    Single lot: the indicative cost of the building regularisation (sanatoria) is €1,500.00 plus VAT and charges.

    «€. 1.500,00 ca. escluso i.v.a ed oneri come per legge»

    Quote from the report (Italian), page 8 ↗
  5. Planning and land-registry discrepancies

    Single lot: the cadastral record also does not match the actual state due to a different layout of the internal spaces, which can be regularised with a DOCFA filing.

    «Al sopralluogo l'unità immobiliare non risultava conforme alla scheda catastale in banca»

    Quote from the report (Italian), page 8 ↗
  6. Regularisation costs

    Single lot: the indicative cost of the DOCFA cadastral filing is €1,000.00 plus VAT and charges; the appraiser deducts €3,000.00 of technical regularisation costs from the price.

    «€. 1.000,00 ca. escluso i.v.a ed oneri come per legge»

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

    Single lot: the owner remains liable for the balances of the disputed management charges and for legal costs; the buyer must check the unpaid sums, for which the buyer is also jointly and severally liable.

    «Rimangono a carico della proprietà le spese relative ai conguagli delle gestioni oggetto del contenzioso appena concluso»

    Quote from the report (Italian), page 7 ↗
  8. Other

    Single lot: the property is encumbered by a judicial mortgage of €280,000.00 registered on 6/08/2025, which will be cancelled by the procedure.

    «Ipoteca giudiziale iscritta il 6/08/2025 ai nn. 119837/25682.»

    Quote from the report (Italian), page 6 ↗
  9. Systems (plumbing, electrical, heating)

    Single lot: the compliance certificates for the systems are not available.

    «Certificazioni di conformità degli impianti Non disponibili.»

    Quote from the report (Italian), page 5 ↗
  10. State of repair

    Single lot: the heating system is centralised, with radiators without metering devices; the cellar has block walls that are not plastered.

    «impianto termico: centralizzato- radiatori in alluminio senza contabilizzatori»

    Quote from the report (Italian), page 4 ↗

Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 11 of 11. Summary of 5 November 2026. Open the report ↗

The lot

Apartment of 43 m² with cellar in Rho: base price €79,000 (€1,837/m²), let (existing lease: check its expiry and enforceability in the appraisal report).

TypeApartment
Surface area43 m²
Occupancy statusLet (existing lease: check expiry; enforceability in the appraisal report) · from the notice
Deadline for offers15/12/2026 at 13:00 · in 40 days
Auction date16/12/2026 at 10:00
Minimum offer€59,250
Deposit10% of the price you offer
Minimum bid increment€1,500
Type of saleCourt sale by the Court of Milan, with online tender on the notaries' portal (Notartel)
Sale methodOnline asynchronous auction: offers and bids online over a number of days, without being present
ProceedingsR.G.E. 175/2026 · Court of Milan
Viewings and informationSale delegate: Alfonso Martucci · 0238261735 · alfonso.martucci@yahoo.it

Offers by Tuesday 15/12/2026 at 13:00; auction on Wednesday 16/12/2026.

Read the text of the notice

From the notice: Ground-floor apartment comprising an entrance hall, living room with kitchenette, a bathroom with hallway, with an attached courtyard area for exclusive use and a cellar on the basement floor. The property is occupied under a lease that is binding on the foreclosure proceedings (procedura esecutiva).

If this sale also receives no bids (asta deserta), the judge can normally cut the base price (prezzo base) by up to a quarter: at the next attempt it could start from around €59,250, with a minimum offer (offerta minima) of €44,438. This is the legal maximum (art. 591 c.p.c.), not a forecast: the judge decides the reduction and in the meantime the lot may be awarded to someone else.

How to take part

Online offer digitally signed via PEC on the Public Sales Portal. Minimum offer €59,250.

  1. Book your viewing via the Public Sales Portal (Portale delle Vendite Pubbliche, PVP), using the «Prenota visita» button on the official listing: by law, requests must go through it (art. 560 c.p.c.). For questions about the property, contact the sale delegate (delegato alla vendita): Alfonso Martucci · 0238261735. The appraisal report (perizia) is not among the attachments on the Portal: ask the sale delegate or the court-appointed custodian (custode) for it; it is free of charge.
  2. Prepare PEC, digital signature, ID document and the bank transfer for the deposit (10% of the price you offer, as the notice requires).
  3. Submit the online offer on the Public Sales Portal by Tuesday 15/12/2026 at 13:00.
  4. Auction on Wednesday 16/12/2026 at 10:00: if you win the lot, pay the balance within the time limits in the notice, followed by the transfer decree.

The appraisal report is not published with the notice: before bidding, ask the sale delegate or the custodian for it (it is free of charge), or find it on the publicity websites listed in the official listing.

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: 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 (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
  • Anyone occupying without title will be removed by the court-appointed custodian, and the timing should be factored in

What you really need

  • Deposit: €5,925 (10% of the minimum offer, as the notice requires) or €7,900 if you offer the base price
  • Registration tax (imposta di registro): €1,285 if first home (prima casa) (2%, minimum €1,000) or €5,432 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes; if a business is selling, VAT may apply: the notice states 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 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
  • Indicative total budget starting from €59,250: approximately €61,535-€67,182
  • Estimate based on the minimum offer: monthly instalment of about €203 with a mortgage at 70% (€41,475) over 25 years at 3.3%; you need about €20,060 in savings: 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: €81,700 – €107,500

OMI values for standard homes, area “Cimitero, Borsi, Stazione, Volta”, first half of 2026, normal condition, × 43 m².

After a full renovation: €109,650 – €141,900

OMI values for the same area, excellent condition, × 43 m².

What the works cost

Works€/m²Total for 43 m²
LightPainting, minor repairs, sanitary ware and doors€200 – €400€8,600 – €17,200
MediumBathroom, kitchen, flooring and upgrading of the systems€400 – €800€17,200 – €34,400
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls€700 – €1,300€30,100 – €55,900

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 €59,250 + taxes €5,432 + delegated professional €1,000 – €2,500€65,682 – €67,182€81,700 – €107,500OMI, normal condition+€14,518 – +€41,818
Fully renovate and resellminimum offer €59,250 + taxes €5,432 + delegated professional €1,000 – €2,500 + works €30,100 – €55,900€95,782 – €123,082€109,650 – €141,900OMI, excellent conditionfrom −€13,432 to +€46,118

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 €59,250, with a minimum offer from €44,438. 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 Rho (558 homes on a 4+4 open-market contract, 9.7 €/m² a month on average). Change the numbers to run your own figures.

Simulated net per year€3,725

Gross income €5,016 a year. Yield on the total cost: gross 5.8%, 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

Auctions in Rho ↗
  • Area value: in OMI area B1 “Cimitero, Borsi, Stazione, Volta” (central), for standard homes in normal condition, the Italian Revenue Agency gives between €1,900 and €2,500 per m² of gross floor area. At the starting price it costs €1,837 per m²: 3% below the minimum of the area. For 43 m² the area range is worth between €81,700 and €107,500. Rents in the area: 8.5–10.9 €/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.
  • 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 Rho: €29,590 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

€320 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