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Back to homeStarting price
Minimum bid
105.469 €
Min. raise
3000 €
Deadline
02/12/2026
Method
Asincrona Telematica
Professionals available in the area
Indicative quotes
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The property
What it is like, how big it is, where it isLot description
Nel Comune di Ponteranica (BG), Via IV Novembre nn. 37-39-41, piena ed esclusiva proprietà delle seguenti unità immobiliari (LOTTO 1): Corpo a) appartamento ad uso civile abitazione al piano primo, composto di cucina, soggiorno, bagno, disimpegno, due camere e due balconi. Corpo b) porzione di fabbricato con giardino, composta di cucina, due ripostigli e latrina esterna, al piano terra, e due camere al piano primo, alle quali si accede attraverso scala metallica esclusiva.
Features
Floor area
133 m²
Rooms
5
Floor
1
Price per m²
€ 1.057/m²
Location
What it really costs
The real purchase cost, not just the starting priceThe all-in price
What it would REALLY cost to win this lot at the current starting price (€ 140.625): estimated taxes and charges on top of the price.
| Registration tax (2%) | € 2.812 |
| Mortgage and cadastral taxes (fixed) | € 100 |
| Fixed transfer costs (estimate) | € 300 |
| Delegated professional’s fee share (estimate) | € 825 |
| Estimated charges on top of the price | € 4.037 |
| Indicative total (price + charges) | € 144.662 |
And if it went back on sale? If this lot went to a new attempt with the typical reduction observed in its group (−25.0%, over 24 historical reductions), the indicative total would go from € 144.662 to € 108.803 (−24.8%) — less than the nominal reduction, because the minimum tax and fixed charges do not fall proportionally. Many lots leave the market before the next attempt: this is a conditional scenario, not a forecast.
| Registration tax (9%) | € 12.656 |
| Mortgage and cadastral taxes (fixed) | € 100 |
| Fixed transfer costs (estimate) | € 300 |
| Delegated professional’s fee share (estimate) | € 825 |
| Estimated charges on top of the price | € 13.881 |
| Indicative total (price + charges) | € 154.506 |
And if it went back on sale? If this lot went to a new attempt with the typical reduction observed in its group (−25.0%, over 24 historical reductions), the indicative total would go from € 154.506 to € 116.186 (−24.8%) — less than the nominal reduction, because the minimum tax and fixed charges do not fall proportionally. Many lots leave the market before the next attempt: this is a conditional scenario, not a forecast.
⚠️ The appraisal report flags building violations/non-conformities: any amnesties or restorations are at the buyer’s expense — get them quantified by a surveyor before bidding.
Indicative estimate based on standard rules (registration tax regime, VAT excluded): the actual amount due is calculated on the award price and may vary for special regimes (sales subject to VAT, agricultural land, luxury properties; first-home benefits require the legal requirements). It does not replace the advice of a professional.
Mortgage payment estimate
Estimate how much you would pay each month if you financed this auction with a mortgage. A deterministic calculation: no real quotes, just a simulation.
Default: % of the auction price
Indicative fixed rate (ECB)
Estimated monthly payment
Total interest
Total paid
Compare term scenarios
| Term | Payment/month | Interest | Total |
|---|---|---|---|
⚠️ Indicative calculation based on the standard French amortisation formula. It does not take into account ancillary expenses (appraisal, notary, insurance) or any bank discounts for different LTVs. . Before taking part in the auction, get a real quote.
The court auction market in the area
Active auctions within 6 km
10 same category
Median starting price in the area
€ 121.843
Completed attempts (24 months)
23
Aggregates of geolocated auctions in the same category within 6 km. “Left the market” = lots no longer republished (the official outcome is not published by the PVP).
How to buy
The procedure, the documents, the deadlinesProceedings
- Court
- Tribunale di BERGAMO
- Case no.
- 306/2025
- Procedure
- Espropriazione Immobiliare (cartabia)
- Sale type
- Senza Incanto
- Method
- Asincrona Telematica
- Bid deadline
- 02/12/2026
- Hearing date
- 03/12/2026 · 15:30
- Published on
- 23/09/2026
Official documents
Complete basic set (appraisal report + notice + order). Presence detected among the attachments published on the PVP (18 attachments in total): this is not a judgement on the content of the documents.
Technical appraisal report Analysed
Official PDF from the Public Sales Portal
3_PLN_264_701.pdf
28 KB
Ordinanza di delega del 22.1.2026.pdf
372 KB
BANDO VENDITA ASINCRONA 3.12.2026.pdf
377 KB
3_PLN_262_13.pdf
13 KB
Rilievo_Ponteranica.pdf
558 KB
Go to the Public Sales Portal
Official act of the Ministry of Justice
Book a viewing of the asset
Official request on the Public Sales Portal
Other lots in this case
Go to the case →The context
The market around this lotContext of this sale
Contact
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Frequently asked questions about this auction
When does this auction in Ponteranica take place?
The deadline for submitting bids is 02/12/2026. The auction will then be held on 03/12/2026 at the Tribunale di BERGAMO.
What is the starting price of this court auction?
The auction starting price is €140.625. Compared with the appraisal estimate of €250.000, the saving on market value is 44%. The minimum admissible bid is €105.469. The minimum bid increment is €3.000.
How do I take part in this auction?
The auction is held in Asynchronous online mode. To take part you must submit a bid with a deposit equal to 10% of the price offered, by the deadline shown on the Public Sales Portal. The deadline for bids is 02/12/2026.
What happens if this auction goes unsold?
This auction is already at attempt no. 2: the 1 previous ones went unsold. The cumulative discount since the first attempt is 25.0%. If this auction also goes unsold, the judge may order a new attempt at a further reduced price (usually −25% on the previous starting price).
Can I view the property before taking part in the auction?
Yes, it is normally possible to view the property by making an appointment with the court-appointed custodian. The custodian’s details (name and contacts) are given in the technical appraisal report downloadable from this page.
Page edited by the addicta editorial team — official data from the Ministry of Justice’s Public Sales Portal.
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Useful guides for buying at auction
- How to buy at a court auction: the complete 2026 guide Everything you need to know to take part in a court auction: from choosing the lot to the transfer decree. A step-by-step operational procedure with legal references and an error-proof checklist.
- Transfer decree: timescales, costs and what happens after the award From paying the balance to the transfer decree: timeline, tax costs, cancellation of mortgages and realistic timescales to become the owner.
- Vacating an occupied property: how to obtain possession after the auction What to do if the property you bought at auction is occupied: debtor versus third parties, eviction timescales, enforceable leases and the costs of vacating.
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