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Back to homeThis lot is on sale again
A new sale attempt has been published for this lot with the sale set for 10/12/2026 and a starting price of €164.000.
Go to the new attempt →Starting price
Minimum bid
163.500 €
Min. raise
4000 €
Deadline
21/09/2026
Method
Sincrona Mista
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Indicative quotes
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The property
What it is like, how big it is, where it isLot description
Negozio di generi alimentari + Laboratorio con forno.
Features
Floor area
150 m²
Rooms
2
Price per m²
€ 1.453/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 (€ 218.000): estimated taxes and charges on top of the price.
| Registration tax (9%) | € 19.620 |
| 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 | € 20.845 |
| Indicative total (price + charges) | € 238.845 |
And if it went back on sale? If this lot went to a new attempt with the typical reduction observed in its group (−20.0%, over 21 historical reductions), the indicative total would go from € 238.845 to € 191.321 (−19.9%) — 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). 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.
How to buy
The procedure, the documents, the deadlinesProceedings
- Court
- Tribunale di COMO
- Case no.
- 198/2025
- Procedure
- Espropriazione Immobiliare (cartabia)
- Sale type
- Senza Incanto
- Method
- Sincrona Mista
- Bid deadline
- 21/09/2026
- Hearing date
- 22/09/2026 · 15:30
- Published on
- 17/06/2026
Official documents
Complete basic set (appraisal report + notice + order). Presence detected among the attachments published on the PVP (6 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
fotografie.pdf
1.2 MB
ordinanza di delega.pdf
377 KB
Avviso di vendita.pdf
303 KB
scheda catastale LOTTO 1.pdf
29 KB
Go to the Public Sales Portal
Official act of the Ministry of Justice
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 Cernobbio take place?
The deadline for submitting bids is 21/09/2026. The auction will then be held on 22/09/2026 at the Tribunale di COMO.
What is the starting price of this court auction?
The auction starting price is €218.000. The minimum admissible bid is €163.500. The minimum bid increment is €4.000.
How do I take part in this auction?
The auction is held in Synchronous mixed 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 21/09/2026.
What happens if this auction goes unsold?
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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