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   

 

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 <<

 

 

 

Profession exercised in accordance with the law 14-01-2013-nr.4

 

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