Los Álamos · Torremolinos · Málaga · 29620

Auction apartment in Torremolinos, two bedrooms

€375,259 4,691 €/m²

First-floor apartment in Urbanización Los Alamos with 69.24 m² built area, two bedrooms, bathroom and terrace. Possession status is not recorded and prior charges remain applicable.

Estimated monthly account

Rental income+€835/month
Mortgage 80% · 25 years · Euribor 2.86%−€1,402/month
Costs IBI, service charge, allowance · estimated−€155/month
Net cash flow −€722/month

Estimated up-front investment €116,330 · 20% deposit + 11% purchase costs

Reference SUB-JA-2026-263966 · On Inmoblia since 7 August 2026

The auction

Auction details

Official terms published on the BOE auction portal.

Finished Court auction Closed on 10 August 2026
€375,259Opening bidMinimum published amount to bid
€310,984Estimated market valueInmoblia's own valuation, not the court appraisal
−21%Estimated discountOf the bid against our market value
Possession
Not stated
Prior charges
Yes, charges published
Deposit to bid
€18,763

Charges published by the BOE: LAS CARGAS , GRAVÁMENES Y ASIENTOS ANTERIORES AL CREDITO DEL ACTOR CONTINUARAN SUBSISTENTES Y POR EL HECHO DE PARTICIPAR EN LA SUBASTA, EL LICITADOR ADMITE QUEDAR SUBROGADO EN LA RESPONSABILIDAD DERIVADA DE AQUELLOS SI EL REMATE SE ADJUDICARE A SU FAVOR

The property

Specifications

What the advert says about the property: floor area, layout, condition and registry details.

Type
Apartment
Built area
80 m²
Bedrooms
2
Bathrooms
1
Floor
Year built
1970
Occupancy
Not stated
Transaction type
Auction
Fittings

Fittings and extras

Property characteristics published in the auction file.

  • Terrace

The advert also mentions:

  • Prior charges remain applicable
  • Possession status not recorded

Free text we could not normalise into a comparable attribute, so it does not score.

The verdict

What the analysis sees

The specific signals the model finds in this property and its municipality, before going into the score in detail.

In favour

No notable positive signals.

Against

  • Unreliable valuationThe market reference has limited coverage; read the discount with caution.
  • Deposit requiredBidding requires posting the deposit the BOE demands in advance.
  • No discountThe effective bid does not improve on our market valuation of the property.
  • Prior charges publishedThe BOE publishes prior charges that may survive the award.
The auction score

How the score is built

The auction score is the weighted sum of five factors. Each panel shows its contribution and stays collapsed until you want to review the data behind it.

Total score (weighted sum of the five factors)19/100

Discount to market

45% of the score +0 pts
0
Effective bid
€375,259
Estimated market value
€310,984
Calculated discount
−21%

The discount rises on a gradual curve: 20% is worth about 49/100 and 60% about 86/100. Source: the bid published by the BOE and Inmoblia's explainable valuation; the court appraisal is not used as market value.

Prior charges

15% of the score +2 pts
15
Published position
Yes, charges published

BOE text: LAS CARGAS , GRAVÁMENES Y ASIENTOS ANTERIORES AL CREDITO DEL ACTOR CONTINUARAN SUBSISTENTES Y POR EL HECHO DE PARTICIPAR EN LA SUBASTA, EL LICITADOR ADMITE QUEDAR SUBROGADO EN LA RESPONSABILIDAD DERIVADA DE AQUELLOS SI EL REMATE SE ADJUDICARE A SU FAVOR

Prior charges may survive the award. No declared charges scores 100; if the BOE does not state it, 45; with published charges, 15.

Possession

20% of the score +9 pts
45
Published position
Not stated

A vacant property scores 100; tenanted, 55; position unknown, 45; and occupied, 10, for the cost and time recovering possession may take.

Municipal liquidity

10% of the score +5 pts
47
4.6Market turnover
median 3.3 transactions a year per 1,000 residents · more turnover, easier to resell · 2026Q1
0.6Repossession pressure
median 0.74 urban housing repossessions per 1,000 of the provincial stock · 2025

Repossessions are a provincial figure (INE) and turnover is municipal (MIVAU). They measure the market's risk and how easily it resells, not the quality of this particular property.

Without enough municipal coverage the factor stays at 50, neutral: it neither rewards nor penalises.

Valuation reliability

10% of the score +3 pts
30
Valuation confidence
low confidence
Evidence coverage
45%

The discount is only as reliable as the market value used as its reference. A high-confidence valuation scores 100; medium, 65; low or absent, 30.

Explainable valuation

An indicative estimate, not a certified appraisal. Each type of evidence is shown separately.

Low45%
€375,259Advertised price4,691 €/m²
€310,984Estimated fair value3 deduplicated comparables
UnavailableOfficial closing price in the areaOfficial evidence, kept separate

Fair purchase range

municipio
€264,336P25
€310,984mediana
€438,100P75
3,887 €/m²Reference appraised valueMIVAU · 2026Q1

Fair rent range

3,969 observations
€624/monthP25
€816/monthmediana
€1,056/monthP75

Model explainable-municipal-v2 · calculated on 26 August 2026. low confidence, adjusted for recency, granularity, sample and dispersion.

Comparables

Similar properties nearby

Real references of the same municipality and type, to cross-check rent and price. They are not necessarily active offers.

In most court auctions the charges ranking ahead of the executing creditor are not extinguished: the successful bidder takes them on. Possession is not guaranteed and may require eviction proceedings at the buyer's cost. Bidding requires a digital certificate, DNIe or Cl@ve and posting the stated deposit in advance. Always check the full terms in the official BOE notice.

Low confidence: key details of the file are missing; read the score with caution.

Confidence measures how much data we hold, not the quality of the investment. We publish no arrears estimates: income, employment and crime figures are market context, never an indicator of tenant risk.