Bovisio-Masciago · 67 m² · Apartment

Apartment with cellar, covered parking space and garage at auction in Via Guglielmo Marconi 51, Bovisio-Masciago, 67 m²

Via Guglielmo Marconi 51, Bovisio-Masciago (Monza e della Brianza)

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

The lot

Apartment of 67 m² with cellar, covered parking space and garage in Bovisio-Masciago: base price €120,000 (€1,791/m²), occupied.

Type	Apartment
Surface area	67 m²
Occupancy status	Occupied: who lives there and on what legal basis is stated in the appraisal report · from the Public Sales Portal
Deadline for offers	18/11/2026 at 13:00 · in 13 days
Auction date	20/11/2026 at 18:00
Minimum offer	€90,000
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. 125/2025 · Lot 1 · Court of Monza
Viewings and information	Sale delegate and court-appointed custodian: Patrizia Riva · 039323295 · info@studio-riva.com

Offers by Wednesday 18/11/2026 at 13:00; auction on Friday 20/11/2026.

Read the text of the notice

From the notice: Apartment in Bovisio-Masciago, Via Guglielmo Marconi 51, commercial surface of 66.00 m² for the share of: 100/100 full ownership. Residential apartment comprising entrance, living room with kitchenette, hallway, two bedrooms and bathroom, with annexed cellar on the basement level and parking space on the ground floor. The property unit subject to valuation is located on floor T-S1, with an internal height of approximately 3.30 m. €90 A.1 cellar consisting of 1 room on the basement level. As apartment B. parking space in Bovisio-Masciago, Via Guglielmo Marconi 51, commercial surface of 16.00 m² for the share of: 100/100 full ownership.

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 about €90,000, with a minimum offer (offerta minima) of €67,500. 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 on the Public Sales Portal (Portale delle Vendite Pubbliche, PVP). Minimum offer €90,000.

Book the viewing through the Public Sales Portal (Portale delle Vendite Pubbliche, PVP), using the «Book viewing» button on the official listing: by law, requests must go through it (art. 560 c.p.c.). Court-appointed custodian (custode): Patrizia Riva · 039323295. 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%).
Submit the online offer on the Public Sales Portal by Wednesday 18/11/2026 at 13:00.
Auction on Friday 20/11/2026 at 18:00: if you are awarded the lot, pay the balance within the deadlines in 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)

Data source: court auction (official notice). Colpo d’Asta is a private service, not the official sale website: the official notice prevails. 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
Anyone occupying without title will be removed by the court-appointed custodian, and the timing should be factored 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): €1,900 if first home (prima casa) (2%, minimum €1,000) or €8,200 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 states this. 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.
With the price-value (cadastral income €277.65) the tax would be about €1,100 for a first home / €3,249 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 €90,000: approx. €92,900–€100,700
Estimate starting from the minimum offer (offerta minima): monthly instalment of about €309 with a mortgage at 70% (€63,000) over 25 years at 3.3%; about €29,900 in savings are needed: the 30% not covered by the mortgage (the deposit (cauzione) paid is part of it and is deducted from the price), the tax and the fees; estimate with deposit at 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: €93,800 – €127,300

OMI values for abitazioni civili, area “Centro Urbano”, first half of 2026, normal condition, × 67 m².

After a full renovation: €130,650 – €174,200

OMI values for the same area, excellent condition, × 67 m².

What the works cost

Works	€/m²	Total for 67 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€13,400 – €26,800
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€26,800 – €53,600
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€46,900 – €87,100

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 €90,000 + taxes €8,200 + delegated professional €1,000 – €2,500	€99,200 – €100,700	€93,800 – €127,300OMI, normal condition	from −€6,900 to +€28,100
Fully renovate and resellminimum offer €90,000 + taxes €8,200 + delegated professional €1,000 – €2,500 + works €46,900 – €87,100	€146,100 – €187,800	€130,650 – €174,200OMI, excellent condition	from −€57,150 to +€28,100

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

20 November 2026€120,000
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 €90,000, with a minimum offer from €67,500. 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 Bovisio-Masciago (113 homes on a 4+4 open-market contract, 8.1 €/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€4,830

Gross income €6,504 a year. Yield on the total cost: gross 5%, net 3.7%. 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 €1,400 and €1,900 per m² of lorda floor area. At the starting price it costs €1,791 per m², within the values of the area. For 67 m² the area range is worth between €93,800 and €127,300. Rents in the area: 7.3–8.4 €/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 Bovisio-Masciago: €28,725 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

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

€486 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.