Via Banfi 6/8, Vimercate (Monza e della Brianza)
Photos published with the sale documents. The official notice prevails.
Lot 1: the property is occupied by the debtor, but the current owner has let one bedroom with shared use of the kitchen and bathroom, under a lease running from 12/03/2024 to 12/03/2028, renewable for another 4 years, at a rent of €250.00 per month.
«viene locata una porzione dell'unità immobiliare, in particolare una camera da letto»
Lot 1: the appraiser states that the basement has been extended by about 1 metre and is taller than authorised. The original 1966 building permit did not provide for a basement.
«la licenza originaria del 1966 NON prevedeva un piano interrato.»
Lot 1: according to the appraiser, the building compliance shows internal and external discrepancies, with medium criticality, and the property is non-compliant but can be regularised. The discrepancies also concern the extension of the basement, which is not included in the regularisation.
«L'immobile risulta non conforme, ma regolarizzabile.»
Lot 1: the appraiser gives regularisation costs for the discrepancies of €7,672.00 in total. They include the items for the technician's fee, penalty and charges listed in chapter 8.
«Spese di regolarizzazione delle difformità (vedi cap.8):»
Lot 1: comparing the cadastral map with the site shows that part of the property, along Via Banfi, may be occupied by a pavement or half of the road carriageway. The appraiser recommends a topographic survey, costing €1,500.00, plus a subdivision application for €1,000.00.
«Pare che parte della proprietà come da mappa catastale, sia occupata da marciapiede e/o semisede stradale.»
Lot 1: according to the appraiser, the interior is in fair condition, while the external façade requires extraordinary maintenance work.
«la facciata esterna invece necessita di qualche intervento di manutenzione straordinaria»
Lot 1: the appraiser finds water infiltration in the ceilings of the first and ground floors, coming from the roof or the balconies. Tall trees make the problem worse because they block the gutters.
«negli intradossi delle solette, si sono rilevate alcune infiltrazioni»
Lot 1: the ground floor is designated non-residential, but at the inspection it was found in use as a dwelling, with kitchen furnishings, a living area and bedrooms.
«il piano terra è effettivamente utilizzato ai fini abitativi»
Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 23 of 23. Summary of 5 November 2026. Open the report ↗
Villa of 324 m² with garage and cellar in Vimercate: base price €661,000 (€2,040/m²), occupied (the notice says so).
| Type | Villa |
|---|---|
| Surface area | 324 m² |
| Occupancy status | Occupied: who lives there and on what basis is set out in the appraisal report · from the notice |
| Deadline for offers | 24/11/2026 at 13:00 · in 19 days |
| Auction date | 26/11/2026 at 14:00 |
| Minimum offer | €495,750 |
| Deposit | at least 10% of the price you offer: the exact percentage is in the notice |
| Minimum bid increment | €2,000 |
| 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. 1/2026 · Lot 1 · Court of Monza |
| Viewings and information | Sale delegate and court-appointed custodian: Agata Adriana Bonaccorso · 3493604357 · a.bonaccorso1@virgilio.it |
Offers due by Tuesday 24/11/2026 at 13:00; auction on Thursday 26/11/2026.
From the notice: Detached villa with a commercial floor area of 324.61 m², for the 1/1 share of full ownership, comprising on the ground floor 3 storage rooms, a hallway and a room; on the first floor a living room, kitchen, 3 bedrooms, hallway, two bathrooms, two terraces and one balcony; on the basement level two cellar rooms and a boiler room, plus the surrounding garden, plus garage.
If this sale also gets no bids, the judge can normally reduce the base price (prezzo base) by up to a quarter: at the next attempt it could start from around €495,750, with a minimum offer (offerta minima) of €371,812. 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.
Online offer digitally signed and sent via PEC (certified email) on the Public Sales Portal. Minimum offer (offerta minima) €495,750.
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.
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 notice is authoritative. Report an error or request removal of this listing.
The items below are the general rules for this type of sale: the exact figures are in the notice linked at the bottom.
As it is: €518,400 – €761,400
OMI values for villas and detached houses, area “Motta, Duca degli Abruzzi, Milano, Torri Bianche”, first half of 2026, normal condition, × 324 m².
After a full renovation: €777,600 – €1,069,200
OMI values for the same area, excellent condition, × 324 m².
| Works | €/m² | Total for 324 m² |
|---|---|---|
| LightPainting, minor repairs, sanitary ware and doors | €200 – €400 | €64,800 – €129,600 |
| MediumBathroom, kitchen, flooring and upgrading of the systems | €400 – €800 | €129,600 – €259,200 |
| FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls | €700 – €1,300 | €226,800 – €421,200 |
Sources: idealista.it, money.it, cosedicasa.com, varesenews.it. VAT on the works, designer fees and tax incentives excluded.
| Scenario | Total cost | Resale | Margin |
|---|---|---|---|
| Resell as it isminimum offer €495,750 + taxes €44,718 + delegated professional €1,000 – €2,500 | €541,468 – €542,968 | €518,400 – €761,400OMI, normal condition | from −€24,568 to +€219,932 |
| Fully renovate and resellminimum offer €495,750 + taxes €44,718 + delegated professional €1,000 – €2,500 + works €226,800 – €421,200 | €768,268 – €964,168 | €777,600 – €1,069,200OMI, excellent condition | from −€186,568 to +€300,932 |
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.
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 €495,750, with a minimum offer from €371,813. This is the maximum reduction, not a forecast.
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Position taken from the address in the notice: it may be approximate. © OpenStreetMap contributors, open the map.
Starting rents estimated from rental contracts registered in 2025 in Vimercate (221 homes on a 4+4 open-market contract, 9.2 €/m² a month on average). Change the numbers to run your own figures.
Gross income €35,736 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.
€2,676 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.
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.
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€1,000/m²
Mortgage ≈ €150 a month (Indicative payment: a mortgage of 80% of the starting price over 25 years at the ECB average rate. Not a credit offer.)
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€1,229/m²
Mortgage ≈ €587 a month (Indicative payment: a mortgage of 80% of the starting price over 25 years at the ECB average rate. Not a credit offer.)
Monza · Via Vittorio Alfieri 7
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Mortgage ≈ €1,122 a month (Indicative payment: a mortgage of 80% of the starting price over 25 years at the ECB average rate. Not a credit offer.)
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€1,308/m²
Mortgage ≈ €281 a month (Indicative payment: a mortgage of 80% of the starting price over 25 years at the ECB average rate. Not a credit offer.)
