Servihabitat and CaixaBank: what it sells and which homes are cheap

If you got here searching for "which bank owns Servihabitat", the answer comes with a catch: Servihabitat was born at la Caixa and for years was CaixaBank's property company, but since 2024 it has no longer been its servicer. Today it sells the portfolio of homes that used to belong to the bank (through Coral Homes, owned by the Lone Star fund) and assets from Kutxabank, and in 2026 it has changed owner once again. Let me lay it out for you, because it affects where to look and who you're negotiating with.

Servihabitat: which bank does it belong to?

A short timeline:

• Until 2013: a company in the la Caixa group. That's where the mental link "Servihabitat = la Caixa" comes from.
• 2013-2018: a subsidiary of CaixaBank and the main servicer of its repossessions. This is the period in which it grew big.
• 2018: CaixaBank transfers 80% of its property to Lone Star, creating Coral Homes, and Servihabitat moves into that orbit. The bank keeps 20%.
• 2023: CaixaBank awards Intrum (Solvia) the sale of its new repossessions and Azora the rentals; Solvia starts selling them in 2024. Servihabitat carries on selling Coral Homes' older portfolio.
• 2026: Hipoges and Finsolutia, owned by the British fund Pollen Street, buy Servihabitat from Lone Star. Sareb (Spain's "bad bank") also awards it a batch of its portfolio, on hold since August because of an appeal by Hipoges.

In plain terms: when you buy on servihabitat.com, the seller is usually a fund (Coral Homes), not CaixaBank. That changes the negotiation: a fund has deadlines for returning the money to its investors and, over time, is in more of a hurry than a bank.

What Servihabitat sells today

• CaixaBank's historic portfolio (Coral Homes): flats in blocks in Catalonia, the Valencian Community, the Balearic Islands, Murcia and Andalusia, mostly from the 1970s to 2000. This is where most of the volume is.
• Sareb assets, not yet: in 2026 Sareb awarded it a batch of what is left, but it is on hold because of an appeal. Bear in mind: much of Sareb's housing has left the sales market (I explain it in the Sareb guide), so what remains is leftover portfolio, not a new catalogue.
• Kutxabank assets in Andalusia and the Basque Country.
• Commercial premises, garages, storage rooms and land to a lesser extent, at clearance prices in small towns.

On RadarPro, as of September 2026, Servihabitat is the second-largest bank source by number of active properties: around 11,800, with an average price of about 150,000 euros. You'll find them with their discount on the market price in bank repossessions.

How to search servihabitat.com

The portal filters by region, province, town, type, price and floor area, and it has email alerts. What's worth doing from day one:

1. Switch on the alert with your exact criteria. The flats with the best balance of price and condition go within days, and the alert tells you when they come in.
2. Read the whole listing, not just the price. Servihabitat states whether the property is sold occupied and whether it has known community fee debts. It's one of the servicers that gives the most information; use it.
3. Note the publication date. The room for negotiation grows with the months in the portfolio.

The discount campaigns

Servihabitat runs periodic campaigns with extra discounts on assets that have been unsold for a while, usually 10 to 20% off the price already published. They aren't always announced with a fanfare: those who are registered and have alerts switched on find out first. If a flat interests you but the price doesn't add up, saving it and waiting for the next campaign works more often than you'd think.

Financing: it's no longer "la Caixa will finance it"

This is the most important change compared with a few years ago. As the seller is no longer CaixaBank, there is no bank mortgage tied to the flat by default. Servihabitat has agreements with lenders to offer financing on some assets, and sometimes the terms are good, but don't take it for granted: ask for each property whether there is associated financing and at what percentage. If there isn't, your mortgage is whatever you can get on the market, with the usual 80% of the lower of the appraised value and the price.

How to negotiate with Servihabitat

• Ask who owns the asset. Coral Homes and Kutxabank have different levels of urgency and different margins. Funds, in general, accept a reasonable offer sooner if the flat has been listed for a while.
• A written offer with comparables and a refurbishment budget. That's what gets escalated to the committee.
• A quick completion as an argument. Pre-approved financing or a cash purchase within 30 days is worth a discount.
• End of the quarter and end of the year. The managers have sales targets, and at those times flexibility goes up.

What to check before signing

• Nota Simple (the Land Registry extract) with the charges cancelled or with a commitment to cancel them.
• Certificate of debts to the owners' association: you are liable for the fees of the current year and the three before it. The older portfolio is where there are the most surprises.
• Possession status in writing.
• A viewing and a check of the installations. Many of these flats have been shut up for years.

Frequently asked questions about Servihabitat

Does Servihabitat belong to CaixaBank?
Not any more. It was born at la Caixa and belonged to CaixaBank until 2018; it then moved into Lone Star's orbit, and in 2026 it was bought by Hipoges and Finsolutia. Since 2024, CaixaBank's new repossessions have been sold by Intrum (Solvia).

So where are CaixaBank's flats?
The older portfolio, at Servihabitat; the recent repossessions, at Solvia since 2024. It's set out in detail in the guide to CaixaBank's bank repossessions.

Does Servihabitat sell Sareb flats?
Not yet. In 2026 Sareb awarded it a batch of what is left, but it is on hold because of an appeal by Hipoges; what is still for sale is marketed by Aliseda.

Does Servihabitat finance the purchase?
On some assets there is associated financing through agreements with banks; on others there isn't. You have to ask property by property.

To keep going: the full map of which servicer manages each bank's homes, the guide to Solvia, and Servihabitat's properties sorted by discount on the market price in bank repossessions on RadarPro.