{"id":10768,"date":"2015-03-23T10:55:27","date_gmt":"2015-03-23T09:55:27","guid":{"rendered":"https:\/\/www.arttrav.com\/?p=10768"},"modified":"2021-04-03T19:14:10","modified_gmt":"2021-04-03T17:14:10","slug":"buying-property-in-italy-tips","status":"publish","type":"post","link":"https:\/\/www.arttrav.com\/expat-life\/buying-property-in-italy-tips\/","title":{"rendered":"4 totally unromantic things you need to know before buying property in Italy"},"content":{"rendered":"

Sunny skies, long summers and delicious Mediterranean cuisine \u2013 buying property in Italy<\/strong> and moving here is certainly tempting. Recently, a Facebook friend asked for advice about real estate agents in Rome, and the conversation that ensued brought up interesting points like what real estate agents in Italy do<\/strong>, and what the rental and buying processes are like in Italy. Needless to say, it\u2019s pretty different<\/strong> than it is in North America. From my own home-buying experiences, here are some totally unromantic things<\/strong> about banking and odd real-estate vocabulary that you\u2019re going to want to get down before embarking on the process.<\/p>\n

\"Be
Be it a castle or an apartment in Italy that you’re buying, these will be useful tips<\/figcaption><\/figure>\n

<\/p>\n

Before we get started, consider this important note: if you\u2019re planning a long term move here, rather than just buying for holidays or investment, you\u2019ll want to be sure you can legally live in Europe and are financially stable. Here\u2019s hoping you have a serious nest egg, a remote job or a signed permanent work contract. It\u2019s wise to try living here for a while before making the leap.<\/p>\n

If you’re looking to buy a home in Italy, you will find that the real estate process differs here vs in North America. In my own experience, it\u2019s a lot easier to find a place in the States and set it up so that you\u2019re ready to move in. I\u2019ve done this twice (with rentals, mind you, not purchases). Here in Italy, I\u2019ve lived in 3 different rental apartments before purchasing a place of my own in Florence, and we also have bought a place in Maremma. Going through these processes has given me a certain insight into the matter and I wish someone had explained some of this stuff to me before I went ahead and did it. To refresh my memory of some of this terminology, I consulted the ultimate property guide for Italy<\/a>, which reminded me of a few things I\u2019d tried to forget!<\/p>\n

1) What Real Estate Agents Do in Italy
\n<\/strong><\/h2>\n

Estate agents in Italy perform a somewhat different role when compared to the UK and US, so it\u2019s important to know exactly what services they\u2019ll provide before you commit. Generally, Italian real estate agents will not help you search for a property, but simply represent the seller. This agent charges a fee when you buy the place, and his or her role is primarily to assist in negotiations and the documentation to close the deal. This means you need to know the vocabulary of property (like what a bi-vani<\/em> means) as well as have a good sense of where you want to buy (including what part of a city).<\/p>\n

If you\u2019re purchasing from abroad, you will want to look for an international property consultant that can actually represent you and take care of things for you in English \u2013 other than helping you find your dream home, you’ll probably need to do things like getting an Italian tax code, opening a bank account and drawing up a contract \u2013 all of which would be very difficult without some local expertise.<\/p>\n

2) Important Italian house buying Vocabulary and Processes<\/strong><\/h2>\n

Property jargon can be difficult to understand even if it\u2019s in your native language, but if your grasp of Italian is limited, then it\u2019s going to be whole lot more confusing. Although it costs and arm and a leg, you\u2019re going to need all legal documentation translated by a certified legal translator to make sure you are able to fully read it all. This can be to your advantage: upon reading documents related to our home in Maremma, we found that it includes a small slice of outdoor space about which nobody knew!<\/p>\n

Before you even breathe, make sure you have a codice<\/em> fiscale, <\/em>the Italian tax code required to do anything fiscal here, which you have to procure from the Agenzie delle Entrate<\/em>.<\/p>\n

Then let\u2019s talk property terminology.<\/strong><\/p>\n

The offer is called the proposta d\u2019acquisto<\/em> and you show that you are serious by including a kind of deposit, that is usually \u20ac5000. If they don’t accept the offer this comes right back to you.<\/p>\n

You then set a date for the compromesso<\/em> which is a first step of the purchase in which you pay usually 30% of the property\u2019s value. It is important to note that if you back out of the deal, this deposit is strictly non-refundable BUT if the seller cancels the sale they have to give back twice as much.<\/p>\n

Then you move on to the rogito<\/em>, which is the document of sale or deed, at which time you meet up at the notary\u2019s office with the full amount to pay using an assegno circolare<\/em> \u2013 I felt like I needed an armed guard to accompany me, so scared I was to lose this or get jumped on the way.<\/p>\n

\"The
The back view of a typical apartment block in Le Cure, Florence<\/figcaption><\/figure>\n

3) Document Checks<\/strong><\/h2>\n

As the buyer you are responsible for ensuring that any documentation pertaining to the property is legally binding, including the deed itself. The latter will need to be drafted and registered by a notary, which will cost you between 1.5 and 2.5 per cent of the property\u2019s purchase price. Your real estate agent may have a notary if you don\u2019t happen to know one yourself. You\u2019ll want someone who is very thorough even if he seems like no fun at all.<\/p>\n

Prospective buyers must request copies of documentation regarding the property\u2019s history, either from the current owner or the local property tax office, and check that the registered floor plan is fully up-to-date. If previous renovations have not been registered on the official floor plan, then you could be held responsible for them. This means verifying that the spaces drawn on the floor plan, including heights, garden space etc., match reality. If it doesn\u2019t, the seller is responsible for doing this (and the associated cost) before the deed can be signed. It\u2019s also important to have this documentation of what has been altered in the past in your house when you decide to do any renovation yourself. For example, it\u2019s good to know that the last time the pipes were changed was in 1952\u2026 may be time to do that work.<\/p>\n

4) Banking<\/strong><\/h2>\n

To buy a home here you\u2019ll need to get an Italian bank account, which for non-residents is known as conto estero,<\/em> and should result in some significant savings as you will not be subject to withholding tax. In order to open a bank account you\u2019ll need your passport, a resident card or proof of employment, some proof of residence (such as a utility bill), and your Italian tax code.<\/p>\n

Just as in any other country, the rates being offered by financial institutions will vary from ridiculous to extortionate, so do shop around before you open an account. If you have a friend who knows a bank manager, ask that friend for an introduction. When shopping around, ask about and negotiate foreign exchange rates and any additional charges around the house payment: the bank wants your business when you\u2019re transferring a few hundred thousand euros in, so you\u2019ve got the upper hand.<\/p>\n

 <\/p>\n

Buying property in Italy is unquestionably exciting. And just as we love this country and its crazy ways, we can only sit back and giggle at the real estate process, which is simply part of the learning experience! My best piece of advice is to be vigilant and thorough. Ask (repeatedly if necessary) and read up to make sure you understand what you\u2019re going through \u2013 it\u2019s your right! Consult with experts and if necessary, pay a second notary or lawyer to check the documents. Make sure everything is done to the letter so that you can enjoy your property for years to come, worry free.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Sunny skies, long summers and delicious Mediterranean cuisine \u2013 buying property in Italy and moving here is certainly tempting. 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