La Maternitat i Sant Ramon · Barcelona · Barcelona · 08028

Bare-ownership flat in Barcelona, 4 bedrooms

€200,000 2,273 €/m²

88 m² fifth-floor flat in Barcelona with four bedrooms, two bathrooms, south orientation and lift. Built in 1975 and described as ready to occupy, with bare ownership offered by owners averaging 70 years old.

Estimated monthly account

Rental income+€1,206/month
Mortgage 80% · 25 years · Euribor 2.95%−€755/month
Costs IBI, service charge, allowance · estimated−€51/month
Net cash flow +€400/month

Estimated up-front investment €63,000 · 20% deposit + 11.5% purchase costs includes 10.0% transfer tax in Catalunya; reduced rates may apply

Reference NT – BONS3 · On Inmoblia since 15 August 2026 · Published by Flamat Girona

The negotiation

Price history

Every price this advert has asked since we started following it, with its date.

Listed 36 days ago · the price has changed once. It has come down €35,000 (14.9%) in total.

  1. 15 August 2026 €235,000 first price seen
  2. 27 August 2026 €200,000 −€35,000

We record the price at every re-check of the advert; the history starts the day we onboarded the agency, not the day it was published.

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
88 m²
Bedrooms
4
Bathrooms
2
Floors in the property
1
Floor
quinta
Year built
1975
Condition
Good condition
Transaction type
Bare ownership
Orientation
South
Fittings

Fittings and extras

What the property comes with and how much each item weighs in the “Property data” sub-score.

  • Lift +3

The advert also mentions:

  • Seller retains bare-ownership usufruct rights
  • Buyer assumes property tax, extraordinary assessments and building insurance
  • Seller pays community fees and utilities
  • Purchase taxes, registration, notary costs and agency fees are excluded

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

How these values 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

  • Gross yield of 7.2%An attractive annual rent against the purchase price.
  • In good conditionNo renovation needed to put it on the rental market.

Against

No notable risks in the available data.

Municipal momentum

Where the local market is heading.

Rent price index

INE · 2011 base = 100 · yearly

+3.3% interanual
124.6 20112014201820212024 103.3 · 2011103.3 · 2011102 · 2012102 · 201299.6 · 201399.6 · 201399.1 · 201499.1 · 2014100 · 2015100 · 2015101.9 · 2016101.9 · 2016104.5 · 2017104.5 · 2017108.7 · 2018108.7 · 2018113 · 2019113 · 2019113.3 · 2020113.3 · 2020113.7 · 2021113.7 · 2021117 · 2022117 · 2022120.6 · 2023120.6 · 2023124.6 · 2024124.6 · 2024

Housing transactions

MIVAU · deals per year

−1.5% interanual
17,311 20112015201820222025 7,867 · 20117,867 · 20119,426 · 20129,426 · 20129,471 · 20139,471 · 201312,782 · 201412,782 · 201413,521 · 201513,521 · 201516,636 · 201616,636 · 201616,899 · 201716,899 · 201715,156 · 201815,156 · 201814,880 · 201914,880 · 201911,253 · 202011,253 · 202016,526 · 202116,526 · 202117,533 · 202217,533 · 202215,834 · 202315,834 · 202317,573 · 202417,573 · 202417,311 · 202517,311 · 2025

Investment guide for Barcelona

Municipal demand

The structural depth of demand in the area.

4.6 yearsPurchase affordability
median 8.1 years years of household income to pay for the home (€43,055/year)
34%Rent burden
median 33% annual rent as a share of household income · healthy below 30%
13.8 yearsPrice / Rent (PER)
median 29.5 years years of rent to pay off the purchase · lower is cheaper relative to its rent
+1.5%Rent trajectory
0 = flat average 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)
+27.1‰Net migration
median 12.1‰ arrivals minus departures from abroad per 1,000 residents · a growing population sustains demand

Registered unemployment

SEPE · yearly average

+0.7% interanual
63,449 20192021202320242026 69,370 · 201969,370 · 201986,827 · 202086,827 · 202081,104 · 202181,104 · 202162,151 · 202262,151 · 202262,140 · 202362,140 · 202363,358 · 202463,358 · 202463,039 · 202563,039 · 202563,449 · 202663,449 · 2026

Average gross income

AEAT · annual tax return

+2.0% interanual
€43,055 20132016201820212023 €33,186 · 2013€33,186 · 2013€33,430 · 2014€33,430 · 2014€34,669 · 2015€34,669 · 2015€36,050 · 2016€36,050 · 2016€37,124 · 2017€37,124 · 2017€38,696 · 2018€38,696 · 2018€39,523 · 2019€39,523 · 2019€37,670 · 2020€37,670 · 2020€39,973 · 2021€39,973 · 2021€42,200 · 2022€42,200 · 2022€43,055 · 2023€43,055 · 2023

Registered population

INE · yearly population register

0.0% interanual
1,731,649 20112014201720202025 1,615,448 · 20111,615,448 · 20111,615,448 · 20111,615,448 · 20111,615,448 · 20111,615,448 · 20111,615,448 · 20111,615,448 · 20111,620,943 · 20121,620,943 · 20121,620,943 · 20121,620,943 · 20121,620,943 · 20121,620,943 · 20121,620,943 · 20121,620,943 · 20121,611,822 · 20131,611,822 · 20131,611,822 · 20131,611,822 · 20131,611,822 · 20131,611,822 · 20131,611,822 · 20131,611,822 · 20131,602,386 · 20141,602,386 · 20141,602,386 · 20141,602,386 · 20141,602,386 · 20141,602,386 · 20141,602,386 · 20141,602,386 · 20141,604,555 · 20151,604,555 · 20151,604,555 · 20151,604,555 · 20151,604,555 · 20151,604,555 · 20151,604,555 · 20151,604,555 · 20151,608,746 · 20161,608,746 · 20161,608,746 · 20161,608,746 · 20161,608,746 · 20161,608,746 · 20161,608,746 · 20161,608,746 · 20161,620,809 · 20171,620,809 · 20171,620,809 · 20171,620,809 · 20171,620,809 · 20171,620,809 · 20171,620,809 · 20171,620,809 · 20171,620,343 · 20181,620,343 · 20181,620,343 · 20181,620,343 · 20181,620,343 · 20181,620,343 · 20181,620,343 · 20181,620,343 · 20181,636,762 · 20191,636,762 · 20191,636,762 · 20191,636,762 · 20191,636,762 · 20191,636,762 · 20191,636,762 · 20191,636,762 · 20191,664,182 · 20201,664,182 · 20201,664,182 · 20201,664,182 · 20201,664,182 · 20201,664,182 · 20201,664,182 · 20201,664,182 · 20201,636,732 · 20211,636,732 · 20211,636,732 · 20211,636,732 · 20211,636,732 · 20211,636,732 · 20211,636,732 · 20211,636,732 · 20211,636,193 · 20221,636,193 · 20221,636,193 · 20221,636,193 · 20221,660,122 · 20231,660,122 · 20231,660,122 · 20231,660,122 · 20231,702,547 · 20241,702,547 · 20241,702,547 · 20241,702,547 · 20241,731,649 · 20251,731,649 · 20251,731,649 · 20251,731,649 · 2025

Net international migration

INE · immigration − emigration · yearly

+3.5% interanual
46,974 2021202220232024 7,070 · 20217,070 · 202155,386 · 202255,386 · 202245,402 · 202345,402 · 202346,974 · 202446,974 · 2024

Recorded offences

Ministry of the Interior · cumulative

+76.6% interanual
383,458 202420252026 44,620 · 202444,620 · 202489,766 · 202489,766 · 2024133,885 · 2024133,885 · 2024175,867 · 2024175,867 · 2024217,105 · 2025217,105 · 2025259,780 · 2025259,780 · 2025304,507 · 2025304,507 · 2025345,545 · 2025345,545 · 2025383,458 · 2026383,458 · 2026

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.

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.