Financing rate in Italy

Funding rate

The maximum financing rate in Italy for non-resident buyers is currently 60% of the purchase price. Mortgage & Abroad works with a major Italian mortgage intermediary (the Italian “the hypothecary”) to realize the mortgages.

For non-residents of Italy, the maximum funding rate is 60%. The playing field of banks that can finance non-residents is limited, but there is certainly something to choose from.

For residents of Italy, up to 80% – 90% can be financed. For residents, there is a wide choice of banks; even banks that do not have a separate department for non-resident buyers can go there.

There are currently no Dutch banks financing foreign houses.

The lower the loan rate the lower the risk to the bank and the sooner a bank will usually be willing to grant a mortgage loan. Keep in mind that it is not true that the lower the loan amount the easier it becomes to get a mortgage. For loan amounts under €100,000, the banks are not hot.

If the equity comes into the purchase of another loan, that is a problem for some banks. People want to see their own money come from savings.

Non-residents refers to buyers who are not yet (tax) residents of Italy at the time of purchase.