{"id":1689,"date":"2024-04-10T04:08:21","date_gmt":"2024-04-10T04:08:21","guid":{"rendered":"https:\/\/homeyawp.themesflat.co\/?page_id=1689"},"modified":"2026-01-13T10:40:59","modified_gmt":"2026-01-13T09:40:59","slug":"faqs","status":"publish","type":"page","link":"https:\/\/italianieruchomosci.pl\/en\/faqs\/","title":{"rendered":"FAQs"},"content":{"rendered":"
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General information<\/h4>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div> \r\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Can a foreigner buy a property in Italy?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

Yes. European Union citizens, including Poles, can buy property in Italy - both residential and investment properties - without restrictions. The only requirement is tax number (codice fiscale)<\/strong>.<\/p><\/div><\/div>

What is the step-by-step process of buying a property like?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

The process includes:<\/p>

1. property selection and price negotiation.<\/p>

2. signing of the preliminary agreement (compromesso).<\/p>

3. legal and technical verification.<\/p>

4. signing of the notarial deed (rogito).<\/p>

5. registration of property at the cadastral office.<\/p><\/div><\/div>

Do I have to come to Italy to buy a property?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

This is not necessary - you can give notarial power of attorney<\/strong> with an apostille clause, and a broker or lawyer will carry out the transaction on your behalf.<\/p><\/div><\/div>

How long does the property purchase process take?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

Usually between 4 and 8 weeks, depending on the speed of obtaining the documents and the notary's deadlines. With a cash purchase, the process can be much quicker.<\/p><\/div><\/div>

Can I buy a property on credit?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

Yes, Italian banks offer mortgage loans to foreigners<\/strong>. An own contribution (approx. 20-30%) and proof of income are required.<\/p><\/div><\/div>

Can I rent my purchased property to tourists?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

Yes, short-term rentals are allowed, but many regions have local regulations (e.g. CIR registration and tourist tax).<\/p><\/div><\/div>

Do I need a bank account in Italy?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

It is not compulsory, but very useful for paying bills and taxes. Italian banks allow you to open an account with your passport and codice fiscale.<\/p><\/div><\/div>

What are the typical costs of maintaining a property in Italy?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

On average you should count:<\/p>

* \u20ac300-800 per year in local taxes,<\/p>

* 500-1500 \u20ac per year in utility and community fees,<\/p>

* approx. \u20ac 100 per year insurance.
Costs vary according to region and building standard.<\/p><\/div><\/div>\r\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Legal information<\/h4>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div> \r\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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What is a \u201ecompromesso\u201d?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

It's preliminary agreement<\/strong>, The notarial deed is a formal document in which both parties agree on the price, terms and conditions and the date of signing. It is often accompanied by a down payment (caparra confirmatoria).<\/p><\/div><\/div>

What is a \u201erogito\u201d?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

\u201eRogito\u201d is a notarial deed transferring ownership<\/strong> real estate. It is signed in the presence of a notary who confirms the identity of the parties and the legality of the transaction.<\/p><\/div><\/div>

What is the role of the notary in Italy?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

A notary (notaio) is civil servant<\/strong>, who takes care of the legality of the transaction. He checks the legal status of the property, registers the contract and reports it to the relevant authorities.<\/p><\/div><\/div>

Do I need an interpreter when signing the deed?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

Yes, if you do not speak Italian, the notary requires you to be present sworn translator<\/strong>. His signature is mandatory for the validity of the act.<\/p><\/div><\/div>

What documents are needed for purchase?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

Typically:<\/p>

* Passport or identity card,<\/p>

* Codice fiscale,<\/p>

* Certificate of marital status,<\/p>

* Preliminary agreement,<\/p>

* Property documents (extract from cadastre, building plan).<\/p><\/div><\/div>

Can I buy a property together with another person?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

Yes. It is possible to acquire a property in joint ownership - for example with a spouse, partner or associate. The notary determines the shares of each party.<\/p><\/div><\/div>

How to avoid legal problems when buying?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

It is best to use due diligence services<\/strong>, i.e. a thorough analysis of the legal and technical status of the property by a lawyer or broker.<\/p><\/div><\/div>

What happens after the deed is signed?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

The notary reports the deed to the real estate registry (Catasto) and the new owner receives an entry in the land registry (Conservatoria dei Registri Immobiliari).<\/p><\/div><\/div>\r\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Tax information<\/h4>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div> \r\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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What taxes do you pay when you buy a property?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

* Imposta di registro<\/strong> - purchase tax (2-9%),<\/p>

* Mortgage and cadastral tax<\/strong> - \u20ac50 each,<\/p>

* VAT (IVA)<\/strong> - only when purchased from the developer (4%, 10% or 22%).<\/p><\/div><\/div>

Is it possible to get tax relief on the purchase of a first home?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

Yes, with the so-called. prima casa<\/strong> (first residence) a lower tax applies - only 2% on the cadastral value and exemption from part of the fees.<\/p><\/div><\/div>

What taxes apply to the owner after the purchase?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

The main ones are:<\/p>

* IMU<\/strong> - property tax,<\/p>

* TASI<\/strong> - payment for local services,<\/p>

* TARI<\/strong> - rubbish collection fee.<\/p><\/div><\/div>

How is the IMU tax calculated?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

The basis is cadastral value<\/strong> property multiplied by a factor and the municipality's rate (usually 0.4-1.0%). The tax rate varies between regions.<\/p><\/div><\/div>

Do I have to pay tax on my rental income?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

Yes, when renting, you must pay Income tax (IRPEF)<\/strong> or choose a flat rate cedolare secca (21%)<\/strong>.<\/p><\/div><\/div>

Do I pay tax on the sale of my property?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

If you sell the property before the expiry of 5 years after purchase, you will pay a Capital gains tax (plusvalenza)<\/strong>. After 5 years, the sale is exempt.<\/p><\/div><\/div>

Does a foreign owner have to settle accounts in Italy?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

Yes, if he earns rental income in Italy, he must file a tax return<\/strong> (Modello Redditi) or use an Italian tax adviser (commercialista).<\/p><\/div><\/div>

What are the annual costs of local taxes and charges?<\/span> \t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/path><\/svg><\/span>\r\n\t\t\t\t<\/span><\/div>

Medium:<\/p>

* IMU - from \u20ac0 to \u20ac800 per year,<\/p>

* TARI - approx. \u20ac150-400,<\/p>

* Other administrative fees - several tens of euros.
The exact amounts depend on the location and area of the property.<\/p><\/div><\/div>\r\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Informacje og\u00f3lne Czy obcokrajowiec mo\u017ce kupi\u0107 nieruchomo\u015b\u0107 we W\u0142oszech? Tak. Obywatele Unii Europejskiej, w tym Polacy, mog\u0105 bez ogranicze\u0144 kupowa\u0107 nieruchomo\u015bci we W\u0142oszech \u2013 zar\u00f3wno […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-1689","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/italianieruchomosci.pl\/en\/wp-json\/wp\/v2\/pages\/1689","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/italianieruchomosci.pl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/italianieruchomosci.pl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/italianieruchomosci.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/italianieruchomosci.pl\/en\/wp-json\/wp\/v2\/comments?post=1689"}],"version-history":[{"count":18,"href":"https:\/\/italianieruchomosci.pl\/en\/wp-json\/wp\/v2\/pages\/1689\/revisions"}],"predecessor-version":[{"id":9876,"href":"https:\/\/italianieruchomosci.pl\/en\/wp-json\/wp\/v2\/pages\/1689\/revisions\/9876"}],"wp:attachment":[{"href":"https:\/\/italianieruchomosci.pl\/en\/wp-json\/wp\/v2\/media?parent=1689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}