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5 Steps to Get a Mortgage & Purchase a Home in Italy
A practical, step-by-step path for international buyers.
Set Yourself Up
Obtain your Codice Fiscale and open an Italian bank account.
Define your budget and decide how funds will be held—either in your local account or via notary escrow.
This foundation keeps the process smooth from day one.
Verify the Property
Collect the APE (energy certificate), visura catastale, visura ipotecaria, and the planimetria.
Check permits, any condono, boundaries, and condo minutes.
Have a geometra confirm technical conformity before proceeding.
Secure Financing
Prepare KYC, income statements, and tax documents to obtain pre-approval.
Non-residents typically see 50-60% LTV as banks order a perito appraisal.
Compare APR, fees, and terms across lenders before committing.
Submit Offer
Make a proposta stating price, deadlines, and conditions (financing & technical).
After acceptance, sign the compromesso with a 10-20% caparra confirmatoria.
Attach planimetria, visura, and APE, and register the contract.
Close Purchase
Complete final loan approval and payment logistics with the notary.
At the rogito, pay taxes and balance, sign the deed, and receive keys.
The deed registers—then switch utilities, set IMU/TARI, and add insurance.