Four-bedroom, two-bathroom flat in Madrid’s Chamberí, with 130 m² and a full renovation requirement. It has a closed terrace, balcony, two lifts and central heating.
Estimated monthly account
Rental income+€1,820/month
Mortgage 80% · 25 years · Euribor 2.95%−€2,830/month
Costs IBI, service charge, allowance · estimated−€65/month
Net cash flow−€1,074/month
Estimated up-front investment €206,250 · 20% deposit + 7.5% purchase costs includes 6.0% transfer tax in Comunidad de Madrid; reduced rates may apply
Reference PG250048 · On Inmoblia since 8 September 2026 · Published by Pensamiento Global
The property
Specifications
What the advert says about the property: floor area, layout, condition and registry details.
Some advert data is uncertain
We show the source-reported value for context, but exclude it from calculations until the conflicting evidence is resolved.
Type
Flat
Built area
130 m²
Bedrooms
4
Bathrooms
2
Year built
1964
Condition
Needs renovation
Fittings
Fittings and extras
What the property comes with and how much each item weighs in the “Property data” sub-score.
Lift
Heating+3
Air conditioning+3
Terrace+3
Balcony
The advert also mentions:
Two entrance doors
Accessible for reduced mobility
Built-in wardrobes
Fully equipped modern kitchen
Security door
Parquet flooring
Buyer pays no agency fees
Free text we could not normalise into a comparable attribute, so it does not score.
median 7.9 yearsyears of household income to pay for the home (€43,646/year)
50%Rent burden
median 33%annual rent as a share of household income · healthy below 30%
34.3 yearsPrice / Rent (PER)
median 29.1 yearsyears of rent to pay off the purchase · lower is cheaper relative to its rent
+1.3%Rent trajectory
0 = flataverage annual growth of the municipal rent index (INE)
5%Unemployment rate (approx.)
median 10%unemployed over unemployed + social security contributors (a proxy comparable across municipalities)
+21.1‰Net migration
median 12.1‰arrivals minus departures from abroad per 1,000 residents · a growing population sustains demand
Registered unemployment
SEPE · yearly average
−1.4% interanual
Average gross income
AEAT · annual tax return
+1.6% interanual
Registered population
INE · yearly population register
0.0% interanual
Net international migration
INE · immigration − emigration · yearly
−28.8% interanual
Recorded offences
Ministry of the Interior · cumulative
+77.7% interanual
Recorded offences (municipalities over 20,000 residents only, from 2024) are territorial context: they do not label an area “safe” or “unsafe”, nor do they measure tenant risk.
Comparables
Similar properties nearby
Real references of the same municipality and type, to cross-check rent and price. They are not necessarily active offers.
They let for…
Comparable rentals in Madrid, including those already let.
This is a shortlisting pass over the advert's data, not a due diligence report. Before deciding, check the points we cannot verify from here:
Possession: that it is vacant, with no squatters and no tenants on a live contract.
If it is let, the current rent, the type of contract and its expiry date.
The real state of repair and services (possible hidden renovation work) and a valid energy certificate.
The real service charge and, above all, whether any special levies are approved or pending: they appear in the minutes of the last owners' meetings.
The property's actual IBI: our figure is an estimate from the municipality's cadastral values, not the specific bill.
Charges, mortgages, seizures or easements in the Land Registry extract.
Context for the AI
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