Lifeinitaly.it
ITALIAN REAL ESTATE MORTGAGE
To Non-Italians for buy , restore , refinance
residential properties , in Italy
List of Documents which may be required
to ask
An Italian Mortgage
ATTENTION
DO NOT SEND DOCUMENTS
you will receive the list of documents necessary to prepare the mortgage you requested.
Borrowers :
- Copy of passport (page with photo, number, expiration date-in color only )
- Copy of Birth certificate (only for woman that change their maiden name )
- Copy of Certificato del codice fiscale (Italian fiscal code number) , You can have it by the Italian's Embassy or Consulate in your country - or we can provide it for you to an italian tax office
Note : >> married women should only use their maiden names <<
- Copy of divorce contract and agreement (if existing)
- Certification regarding marriage tax situation (separation of property if applicable)
- Copy of the last two years individual income tax return or Inland tax revenues , or P60 or Certificat de Salaire or Lohnausweis für Steuererklärung , or equivalent module which you declare your yearly income for pay the taxes on your country,
- Copy of job contract, or a regular employment declaration issued by a payroll technician or job director (employees)
- Copy of the last three months pay slips (employees)
- SELF EMPLOYED ONLY : statement issued by an Certified Accountant (on headed notepaper) confirming nature of business and regular payment of income tax over previous three years
- Copy of last six last months bank account statement on bank paper - ( and company , for officials with legal liability for the company )
- Reference letter issued by your bank , with general information , for all your bank account >> here the guideline txt <<
- Reference letter issued by the bank or the financial company , for all existing mortgage/Loan/Car Leasing >> here the guideline txt <<
- Full Credit Bureau or Credit Report + Credit Rating , issued from not more than 10 days
- Italian Bank account contract or available statement , with IBAN code (request by italian bank for direct debit charge )
- Copy of funds certification (if existing), pension retirement, share .
- Copy of all other Loan, Mortgage, car or other Leasing contracts, with Payment receipt of the past three monthly .
- Copy of home registry certification for all yours properties outside the italy (Deed of sale of the property ), particularly for your living home , with two photo and plans
- Regarding your living (residence) situation , if you live :
1.) in a rented house or apartment , provide a rent contract with receipt of the past two monthly rent payments
2.) in a owned house or aparment , provide copy of registry certificate (Deed of sale of the property )
NOTE : more documents can to be request , according Italian bank enquiry
Italian property :
If your seller , need from you a compromesso signature , and you do not will take a purchasing obligation before have the mortgage approval from the bank , you can use this
>> compromesso specimen <<
- Seller's title of property (Atto di provenienza)
- Property visura catastale , issued by Ufficio del Territorio, not older than 10 days
- Home plan rilievo catastale , issued by Ufficio del Territorio, not older than 10 days
Note : the HOME must be certified as residential ( ex rural homes newly certified as residential are acceptable)
- Land Property planimetria catastale , issued by Ufficio del Territorio, not older than 10 days
- For restoration ONLY : architect or surveyor (plan designer ) , coordinates
- Three outside + three inside property photo , or three Plot photo
- For building : plot color + licenza ediliza (building permission issued by the commune offices)
- For restoration : DIA , SCIA, Licenza Edilizia
>> Klick here to Go back to Italy Mortgage Guideline <<
Professione esercitata a norma della legge 14-01-2013-nr.4