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Giussano · 120 m² · Terraced house

1/2 share of terraced house with garage at auction in Via 4 Novembre 126, Giussano, 120 m²

Via 4 Novembre 126, Giussano (Monza e della Brianza)

The appraisal report in brief

  1. Occupancy and title

    Lot 1: at the time of the inspection the property was occupied by Ms Locatelli Daniela and her minor son Mascitti Riccardo. Ms Locatelli is recorded as co-owner together with the debtor.

    «risultava occupato dalla signora Locatelli Daniela e dal di»

    Quote from the report (Italian), page 3 ↗
  2. Restrictions and easements

    Lot 1: the garage can only be reached through the entrance hall and the shared condominium courtyard on plot 304. The appraiser also reports a pedestrian access from the garden to the garage that is not shown.

    «Al box si accede direttamente dalla Via IV Novembre,civ.122 attraverso androne e cortile comune»

    Quote from the report (Italian), page 3 ↗
  3. Restrictions and easements

    Lot 1: when the garage authorisation was issued, a unilateral planning restriction deed on the saturation of the site (atto unilaterale di vincolo di saturazione planimetrica) was signed with the Municipality. The interested parties have undertaken, in case of an extension of the house, to also restrict the covered surface of the garage, amounting to 187.76 m².

    «atto unilaterale per la costituzione di vincolo di saturazione planimetrica»

    Quote from the report (Italian), page 6 ↗
  4. Planning and land-registry discrepancies

    Lot 1: for the garage, the building is not shown on the map for plot 327. To regularise it, a Tipo Mappale will be needed, with a cost estimated by the appraiser at €2,500.

    «il fabbricato box non risulta inserito in mappa sul mapp.327»

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

    Lot 1: the appraiser writes that the property does not comply from a cadastral standpoint but is regularisable. The cadastral record of the small villa lacks the French window leading from the anteroom to the garden, and correcting it will require a SCIA for regularisation.

    «L'immobile risulta non conforme, ma regolarizzabile.»

    Quote from the report (Italian), page 7 ↗
  6. Unauthorised building works

    Lot 1: the appraiser declares that any regularisable irregularities may be regularised after purchase, while those that cannot be regularised must be demolished to restore the last authorised state.

    «Qualora non sanabili dette difformità dovranno essere oggetto di demolizione per rispristino dello stato ultimo autorizzato.»

    Quote from the report (Italian), page 7 ↗
  7. Regularisation costs

    Lot 1: the appraiser estimates €3,000 for the cadastral regularisation, including the entry of the garage on the map. The times indicated are 30 days.

    «Regolarizzazione catastale - Inserimento in mappa di Box Auto: €.3.000,00»

    Quote from the report (Italian), page 7 ↗
  8. Systems (plumbing, electrical, heating)

    Lot 1: the appraiser writes that no acoustic tests or tests of the systems' operation have been carried out. Any defects and faults are included in the reduction applied to the auction price.

    «collaudi acustici o di funzionamento degli impianti sugli immobili esistenti»

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

    Lot 1: the appraiser warns that it cannot guarantee compliance with the technical regulations in force at the time of construction. Any non-compliance or adaptation costs are fully borne by the successful bidder.

    «saranno a totale carico dell'Aggiudicatario»

    Quote from the report (Italian), page 5 ↗
  10. Other

    Lot 1: the appraiser writes that the property does not offer the characteristics for easy division of the share. The lot concerns only the 500/1000 share of full ownership.

    «L'immobile non offre caratteristiche di comoda divisibilità nè sotto il profilo»

    Quote from the report (Italian), page 16 ↗

Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 16 of 16. Summary of 5 November 2026. Open the report ↗

The lot

1/2 share of a terraced villa of 120 m² with garage of 27 m² in Giussano: base price (prezzo base) €93,333, occupied (the notice says so). The sale concerns the 1/2 share of full ownership, not the entire property in full ownership: agreement with the co-owners is required. Read the appraisal report (perizia) or ask us what this involves.

TypeTerraced house
Surface area120 m²
Occupancy statusOccupied: who lives there and on what basis is set out in the appraisal report · from the notice
Right sold1/2 share
Deadline for offers25/11/2026 at 13:00 · in 20 days
Auction date27/11/2026 at 14:30
Minimum offer€70,000
Deposit10% of the price you offer
Minimum bid increment€1,000
Type of saleCompetitive sale in insolvency proceedings (Court of Monza), published on the Public Sales Portal
Sale methodSynchronous online auction: live online bidding at a fixed time
ProceedingsJudicial liquidation n. 32/2024 · Court of Monza
Viewings and informationReceiver and sale delegate: Marco Arcari · 0240709656 · procedure@perimpresa.it

Offers by Wednesday 25/11/2026 at 13:00; auction on Friday 27/11/2026.

Read the text of the notice

From the notice: 1/2 share of a terraced villa A/3, 112 m² T/1/2. Attached rear garden area; 1/2 share of double garage of 27 m², ground floor.

How to take part

Irrevocable offer as the terms of sale indicate, online on the Public Sales Portal or on the website of the sale operator. Minimum offer (offerta minima): €70,000.

  1. This is a competitive sale managed by the receiver of the procedure: read the sale rules (disciplinare), which set out where and how the offer must be delivered. To view the property, contact the receiver: Marco Arcari · 0240709656.
  2. The irrevocable offer is submitted as set out in the terms of sale (disciplinare), online on the Public Sales Portal or on the website of the sale manager by Wednesday 25/11/2026 at 13:00.
  3. If you are awarded the lot, you must pay the balance, taxes and half of the delegate's fee within the deadline in the notice (here 120 days); ownership passes with the judge's transfer decree, which cancels mortgages and seizures.

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 (cauzione): 10% of the offered price, as set out in the sale rules
  • Balance within 120 days of the award, as stated in the notice
  • Half of the delegate's fee for the transfer decree, registration and voltura
  • Registration tax as in a normal sale; if the company in the proceedings is selling business assets, the sale may be subject to VAT (IVA): check the disciplinare
  • 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: €7,000 (10% of the minimum offer, as the notice requires) or €9,333 if you offer the base price
  • Registration tax (imposta di registro): €1,500 if first home (prima casa) (2%, minimum €1,000) or €6,400 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes; if the seller is a business, 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: often much less. Ask the sale delegate or the notary.
  • Half of the delegate's fee for the transfer decree, registration and voltura: approximately €1,000-€2,500
  • On a share or bare ownership, banks generally do not grant a mortgage: plan to pay everything with your own funds by the deadline for the balance. Indicative budget: €72,500–€78,900.
  • The notice on the share stated above applies.
  • These are estimates based on the general rules, not a quote: the exact figure depends on the notice, your tax situation and the bank.

History of the lot

  1. 15 January 2025€17,030

    Outcome not published

  2. 27 November 2026€93,333

    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 €70,000, with a minimum offer from €52,500. 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.

  • Area value: in OMI area D1 “Robbiano, Birone, Paina” (outlying), for villas and detached houses in normal condition, the Italian Revenue Agency gives between €1,350 and €1,700 per m² of gross floor area. Rents in the area: 4.8–5.8 €/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 Giussano: €28,326 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

€378 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