Italian Mortgage Service
To Non-Italians
for buy , restore , refinance
residential properties , in Italy
List of Documents which may be required
to ask
An Italian Mortgage
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 <<
Profession exercised in accordance with the law 14-01-2013-nr.4