Buying a house in Italy is a dream for many foreigners. But how does the process really work?
What taxes do you pay? Who do you have to work with? What changes if you buy as a primary residence rather than a holiday home?
In this article I will explain everything you need to know to buy a house in Italy safely and consciously.
Who should you contact when buying a house in Italy?
Unlike other countries, in Italy the purchase of a property is not initiated through a lawyer or directly by a notary.
Instead, it is necessary to rely on a certified real estate agent, registered with the Chamber of Commerce.
đź“Ś Important: not all those who “sell houses” are real estate agents authorized by Italian law.
Before starting any negotiations, check the registration of the agent via the official website of the Chamber of Commerce:
👉 for exemple: for properties in Veneto, visit the official website “Agente Affari in Mediazione – Regione del Veneto”agente affari in mediazione – Regione del Veneto
If the agent’s name appears on the list, you can proceed safely with your home purchase.
How does the commission work in Italy?
In Italy, the commission is usually paid by both the seller and the buyer, unless otherwise agreed. Furthermore, the average commission is around 3% + VAT on the selling price for each party.
As a real estate agent, my fee is agreed directly with my buyer clients.Taxes on the purchase of a property in Italy
Taxes depend on who is selling and the type of property purchased.
For example, if you buy from a private individual, you pay the registration tax; if you buy from a construction company, you pay VAT.
🏠Purchase as a primary residence
(If you transfer your residence to Italy within 18 months)
Registration tax: 2%
VAT (if applicable): 4%
Mortgage and land registry taxes: €50 each
đź“Ś Warning: if you do not transfer your residence by the deadline, you must pay the difference plus a penalty.
🏡 Purchase as a second home (holiday home)
✔Registration tax: 9%
✔VAT (if applicable): 10%
✔Mortgage and land registry taxes: €50 each
âś” No obligation to transfer residence.
Other costs to consider:
✔Notary fees: approximately 1-2% of the value of the property.
✔Translation and interpretation services if necessary.
✔Agency or real estate brokerage fees.
✔IMU (municipal property tax) and TARI (waste tax) for second homes.
✔Any renovation or condominium costs.
🏠What about the annual property tax (IMU)?
Exempt if it is the main residence.
Due if it is a second home:
The rates vary, but are generally between 0.76% and 1.06% of the revalued cadastral value.
My role as a Property Finder for foreign buyers
As your real estate consultant, I guarantee a safe and stress-free process.
In conclusion, with the right guidance, buying your dream home in Italy becomes a smooth and rewarding experience.
âś” I represent you independently, without conflicts of interest.
âś” I collaborate with experts, notaries and lawyers to protect you.
âś” I organize your personalized experiential journey to discover Italy.
âś” I guide you through every phase, up to the final notarial deed.
đź“© Contact me for a free consultation!
Email: marzia@grifalconi.com
