Before you start looking
Buying a home in Italy as a foreigner is possible and, with the right people, straightforward. It is best, however, to begin in the right order: first define the framework, then look for the house. The first point concerns the conditions of purchase: for citizens of the European Union the route is generally simpler, for others the reciprocity between Italy and the country of origin is also considered. The notary checks this, but it is better to know beforehand.
The second point is tax. Residency, taxes in your home country, international treaties, taxes on property and inheritance: these change over time, which is why we quote no figures. An accountant with international experience, in Italy and in your own country, is the most useful investment you can make at this stage.
The tax code (codice fiscale)
It is the first practical document: to buy a home in Italy you need an Italian tax code. You request it from the Italian revenue agency (Agenzia delle Entrate) or, in many cases, from the Italian consulate in your country, and it can be obtained even before you have found the house. The Nobilis team can accompany the request, but the procedure remains the official one.
A bank account in Italy
Opening an Italian bank account is not compulsory, but it simplifies payments, utilities, local taxes and running costs. The notary will also ask you to document how the price is paid and where the funds come from: keep a careful record of every transfer and every statement.
Language, interpreter and translations
The deed is conducted in Italian. If one of the parties does not understand it, the usual solution is an interpreter or a bilingual text, and the notary will indicate the suitable one. Contracts, floor plans and the condominium rules also deserve a translation before signing: “I understood more or less” is not enough when a home is at stake.
If you cannot be there
With a notarised power of attorney you can be represented by someone you trust. The power of attorney must be drawn up according to the rules of the country where it is signed, often with legalisation or an apostille and a sworn translation: the Italian notary will say which formalities are needed in each case.
The path, step by step
- Initial conversation and definition of the search criteria.
- Shortlist and viewings, with a first selection even by video call.
- Checking of the property's documents.
- Purchase offer and deposit.
- Preliminary contract, if there is one.
- The deed at the notary's office.
- After the deed: registration by the notary, utilities, insurance.
Timing depends on the property and the procedures, and nobody can guarantee it.
After the purchase
A home in Italy needs a local point of contact: someone to open the gate for the plumber, receive the post, check the system after the winter. A management service, a trusted building manager, a reliable neighbour: choosing the right person makes all the difference, especially when you live far away.
Rules and formalities change: every step should be checked with the notary and with an accountant, in Italy and in your own country.
