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Back to homeStarting price
Minimum bid
37.584 €
Min. raise
1000 €
Deadline
18/11/2026
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
Piena proprietà 1/1 di appartamento in corso di costruzione con cantina e box siti in Via Roccolo, 7, Valsecca 24030 Sant’Omobono Terme.
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 (€ 50.112): estimated taxes and charges on top of the price.
| Registration tax (2%) | € 1.002 |
| Mortgage and cadastral taxes (fixed) | € 100 |
| Fixed transfer costs (estimate) | € 300 |
| Delegated professional’s fee share (estimate) | € 550 |
| Estimated charges on top of the price | € 1.952 |
| Indicative total (price + charges) | € 52.064 |
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 14 historical reductions), the indicative total would go from € 52.064 to € 39.534 (−24.1%) — 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%) | € 4.510 |
| Mortgage and cadastral taxes (fixed) | € 100 |
| Fixed transfer costs (estimate) | € 300 |
| Delegated professional’s fee share (estimate) | € 550 |
| Estimated charges on top of the price | € 5.460 |
| Indicative total (price + charges) | € 55.572 |
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 14 historical reductions), the indicative total would go from € 55.572 to € 41.917 (−24.6%) — 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.
⚠️ The appraisal report flags condominium fees: the buyer is jointly liable for arrears of the current year and the previous one (art. 63 implementing provisions of the Civil Code) — check the amounts 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 10 km
22 same category
Median starting price in the area
€ 51.978
Completed attempts (24 months)
36
Aggregates of geolocated auctions in the same category within 10 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.
- 288/2025
- Procedure
- Espropriazione Immobiliare (cartabia)
- Sale type
- Senza Incanto
- Method
- Asincrona Telematica
- Bid deadline
- 18/11/2026
- Hearing date
- 19/11/2026 · 10:00
- Published on
- 06/08/2026
Official documents
Complete basic set (appraisal report + notice + order). Presence detected among the attachments published on the PVP (16 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
EI 288-2025 Avviso di vendita 2026.11.19.pdf
280 KB
17_Rilievo metrico_Lotto n.2_Appartamento+Box.pdf
690 KB
Delega censurata.pdf
660 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
Reference auction
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Frequently asked questions about this auction
When does this auction in Sant'Omobono Terme take place?
The deadline for submitting bids is 18/11/2026. The auction will then be held on 19/11/2026 at the Tribunale di BERGAMO.
What is the starting price of this court auction?
The auction starting price is €50.112. Compared with the appraisal estimate of €89.087, the saving on market value is 44%. The minimum admissible bid is €37.584. The minimum bid increment is €1.000.
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 18/11/2026.
What happens if this auction goes unsold?
This auction is already at attempt no. 3: the 2 previous ones went unsold. The cumulative discount since the first attempt is 43.8%. 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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