1. Property tax of Italian immigrants
1. Taxes and fees for purchasing real estate in Italy-stamp duty, land registration tax, cadastral tax, value-added tax and other additional taxes. The "cadastral declared value" of the property on the sales contract represents the basis of the first three taxes we just mentioned. If you buy a master house in Italy, within 18 months after the final contract is signed, buy the house of the property you bought from a private seller or a company that does not levy value-added tax, and live at this address for more than 6 months for one year, and the stamp duty is equivalent to 2% of the property value (minimum payment 1000 euros); Land registration tax and cadastral tax are 50 euros each.
If you buy your ideal house from the VAT company, you will pay a little more. In this case, the value-added tax is stable at 4% of the declared real estate price, while the other taxes mentioned above are 200 euros respectively.
If you buy a property as a second home in Italy, you must pay the stamp duty equivalent to 9% (minimum payment 1000 euros); Land registration and cadastral tax are 50 euros each. If you buy from a company that applies value-added tax, you must also pay value-added tax, which is stable at 10% of the declared property price, and the other three taxes are 200 euros each.
2. After purchase, the property in Italy, namely IUC(Unica) and TARI, including IMU and TASI, should be taxed.
IMU (Property Ownership Tax): Unless there is no luxury house, the original house owner is exempt from paying IMU. But if you have a second home, you must pay IMU. It applies to the cadastral value of real estate plus 5%, and you must multiply it by a coefficient, which may vary from town to town.
TASI: including the services provided by the town office where the property is located, such as street lamp tax and maintenance fee. Also in this case, the calculation of TASI may vary from town to town. There is no TASI in the autonomous provinces of Trento and Borzano. Instead, it is IMI and IMIS.
TARI: This involves a waste collection tax, which includes a fixed tax rate based on square meters and a variable tax rate based on the number of family members living there.
2. Towns suitable for Italian immigrants to live in
I Verbania (Piedmont)
Verbania, known as the "Garden on Lake Maggiore", is the most elegant city.
Two. Trento (Trentino Alto Adige)
Rome in Trenta shows itself to tourists through its century-old architecture, and its Christmas market attracts thousands of people from all over Italy.
Three. Belono (Veneto)
Belona is the entrance to the Venetian plains and windows, and it is also a small and precious gem embedded in the surrounding mountains.
Four. Bolzano (Trentino Alto Adige)
Porzano borders on Australia and is located in a sunny valley with a mild climate. It is the capital of Upper Adige-South Tyrol, and also a city of art, entertainment, culture and vacation.
Verb (abbreviation for verb) marcela Tower (March)
The Tower of marcela is the beating heart of central Italy, jumping from 13 last year to now. It is located between the rolling mountains, between the sea and the mountains.
The intransitive verb Oristano (Sardinia)
Oristano is an ancient medieval city, located on the west coast of Sardinia. Together with macerata, it is one of the top ten cities in the north.
Seven. Sandrio (Lombardy)
Sandra is located in the center of Sandra, a small town with a long history and beautiful natural scenery.
Eight. Venice
Venice is not only a scenic spot, but also a livable city. There are no traffic jams, only clear rivers and boats.
Nine. Mantua (Lombardy)
Here, the efficiency of "smart city" is integrated with the humanities of Renaissance city. Because of this, 20 16 was chosen as the cultural capital of Italy.
X. Beaudenon (Friuli Venezia Giulia)
The reality of Beaudenon is closely related to its past. Through small buildings, murals and charming ancient city monuments, it is also ready to meet future challenges.
3. How to buy real estate after Italian immigration?
First, the need for documents.
First of all, you need to show your personal documents (copy of passport and Italian financial code) and documents related to the house you want to buy: a copy of the latest property right/purchase contract, the house plan and building permit issued by the land registration office.
1, complete credit report+credit rating (average, good, excellent, etc. );
2. Personal bank statement for the past 6 months (salary/dividend has been paid from your main bank account);
3. If employed by a company limited by shares:
2 tax returns;
Copy of payroll for the past 4 months;
Letter from accountant confirming your current salary and dividend payment;
4. If you are self-employed.
Two copies of complete tax returns;
A letter issued by an accountant confirming the net value of the previous two years;
Please remember that income documents must be translated and certified. In some cases, Italian consulates can do this, or they can provide you with a list of certified translators. Another option is that some translation agencies or freelance translators in Italy also provide translation.
Second, the conditions
The Bank of Italy estimates that, in addition to other potential persistent financial debts, the average installment payment of mortgage loans should not exceed 35% of customers' net income. The same requirements apply to Italian citizens and non-Italian or non-EU citizens. In addition, if the application is approved, they must also open an Italian account with a loan credit institution and pay monthly installments by direct debit.
Three. correlative charges
Each bank has an interest rate (usually 1.00% to 1.50% of the mortgage loan amount) for the fees required for processing the application, which will be directly deducted from the amount provided, but if the application is not accepted, no fees will be charged.
Banks examine the characteristics of customers (solvency, income level, credit history), but also verify the value of related property and the compliance of the city, thus providing effective protection for operations. To this end, it hired an external technician to carry out the evaluation. The price varies according to the agreement signed between each credit institution and the consultant, with an average of 250-300 euros, which is paid directly to the consultant because he/she is not an employee of the bank.