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The answer depends on the situation of each customer. Experts insist that the most suitable loan depends on variables such as the monthly income that the lender has to pay the instalment, the term over which they want to repay the loan, the possibility of improving their income in the medium term or the percentage of the purchase to finance.

The costs involved in the purchase and sale of a property in Italy are as follows:

• Taxes: They will depend on the type of purchase and the seller.
  • Purchase of a new construction: When buying a new build, VAT is 4% if it is a purchase of a main residence or 10% in the case of a second home.
  • Pre-owned property purchase: Registration tax, based on the cadastral value of the property, must be added to the purchase price. It can be 2% or 9% depending on whether the house is a main residence or not. Regardless of the percentage, the minimum amount is 1,000 euros.
• Mortgage tax: fixed at 50 euros
• Cadastral tax: fixed at 50 euros
• Agency: percentage of commission on real estate sales paid to the agent in connection with their mediation activity.

In order to correctly assess whether or not a client qualifies for a loan, the bank needs the following documents:
1.Personal documents

2.Income documents

Whether or not you have previous experience, finding a mortgage that suits the needs and means of each individual is almost always a headache: will they give it to me? On what terms? Which mortgage will be most suitable for me? Don’t worry. You are not the first person to be faced with such doubts and to help you we have prepared a small, easy-to-follow guide where you will find all the answers you need

Thanks to the volume of mortgages we generate, banks save costs by acquiring clients through us. This allows us to charge a commission directly from the bank, and the service is completely free of charge for you.