Real estate in Italy

Reviews

Advantages

Blog

Leave a request

Latest news, reviews and useful information

Real estate in Rome: pros and cons of buying, which areas to consider

In the capital of Italy, every corner is steeped in history, culture, and a unique atmosphere. But in addition to priceless landmarks and legendary architecture, Rome offers unique opportunities for real estate investment. Some dream of an apartment overlooking the Colosseum, while others prefer a quiet house in a neighborhood full of green parks.

Advantages of Buying Real Estate in Rome: Living Among Ancient Monuments and Modern Infrastructure

Rome is a rare example of a city where you can live among ancient ruins and still enjoy all the benefits of modern civilization. Buying real estate in Rome—whether it’s an apartment or a flat—is an opportunity to see ancient monuments from your window every day and then go down in the evening to enjoy a cappuccino in a cozy cafe.

monro_1140_362_en.webp

Some neighborhoods, such as Prati and Monti, offer a blend of historical charm and modern conveniences. Prati has a well-developed infrastructure with large shopping centers like Coin Excelsior, grocery stores, schools, green parks, and even high-level medical facilities like Policlinico Gemelli. Monti, one of the oldest districts in Rome, also offers a high quality of life and convenient access to all major attractions. It boasts many stylish bars and restaurants, as well as small boutiques, making it particularly attractive to young people.

Benefits of Buying Real Estate in Rome:

  1. Historical atmosphere at every turn.
  2. Excellent transportation accessibility (metro, buses, trams). Metro lines A and B pass through many important areas, making transportation convenient.
  3. High quality of life, including a plethora of restaurants (such as Trattoria Monti and Antico Arco), shops (from small boutiques to large shopping centers), and parks like Villa Borghese and Parco della Caffarella.

Investment Opportunities in Rome: Real Estate Investments in Italy

Over the past 10 years, property prices in Rome have shown steady growth, averaging 3-4% per year, making this market one of the most attractive in Europe. Additionally, rental properties remain in high demand. Tourists, students, and expatriates ensure a constant flow of tenants.

The Trastevere area is known for its high rental yields, especially among tourists. Here, properties can be rented out on a daily basis, earning between 100 and 200 euros per day, depending on the season and location. In San Giovanni, Rome, properties can be purchased at a relatively low price—around 4000-5000 euros per square meter—with good growth prospects.

San Giovanni is also attractive for its abundance of educational institutions and good transportation connections. Real estate investments in Rome also attract buyers with the stability of Italian legislation, the opportunity to generate additional income, and, importantly, tax incentives for first-time buyers.

Drawbacks of Buying Real Estate in Rome: High Prices

Real Estate in Rome: Pros and Cons of Buying, Which Areas to ConsiderIt’s no secret that property prices in Rome can vary significantly depending on the area. For example, in central areas like Campo de’ Fiori or Pantheon, the cost can reach 10,000-12,000 euros per square meter, while in districts like Ostiense or San Paolo, it can be significantly lower—around 4000-5000 euros.

Real estate in prestigious areas of Rome requires significant investments not only during the purchase but also in maintenance. For instance, the property ownership tax in Italy (IMU) can reach up to 0.76% of the cadastral value of the property, depending on the category.

Maintenance requires additional expenses for building maintenance, a concierge, and utility payments, which can amount to 300-500 euros per month, especially for older properties requiring regular repairs. And utility costs for large apartments can reach up to 300 euros per month, including electricity, gas, and water.

Bureaucratic Challenges in Buying Real Estate in Italy

The purchasing process is accompanied by numerous bureaucratic hurdles, especially for foreign citizens. Those looking to obtain residency in Italy through real estate must meet a number of conditions, including income verification and obtaining a tax code (Codice Fiscale). This code is required for all property-related transactions and tax payments.

In addition, buyers must sign a contract with a notary (Notaio), which entails additional expenses. The specialist not only certifies the transaction but also verifies the cleanliness of the property, absence of debts, and legality of previous registrations. The fee for notary services can range from 2000 to 4000 euros depending on the complexity of the transaction and the property value.

Buyers must also consider the tax on the purchase of secondary real estate (Imposta di Registro), which is 9% of the cadastral value in Rome, and for those purchasing their first property in Italy—2%. This tax must be paid within 20 days after signing the deed. Purchasing also requires an account in an Italian bank and transferring money into euros, which also incurs additional fees.

Best Areas in Rome for Buying Real Estate: Historic City Center

Proximity to major attractions such as the Colosseum, Pantheon, and Roman Forum attracts not only tourists but also those who want to be part of this living history. Living in the center offers the opportunity to enjoy walks along narrow streets, visit the best restaurants, and soak in the grandeur of the ancient city.

Areas in Rome like Campo de’ Fiori and Piazza Navona offer elite real estate surrounded by majestic historical buildings. The average cost per square meter there is around 10,000-12,000 euros. These places are ideal for those who value prestige, but one must be prepared for high maintenance costs and noise due to the large number of tourists. Additionally, parking in the city center is a challenge—often requiring separate rental of a parking space, which can cost up to 300 euros per month.

Areas for Russian-Speaking Buyers

For Russian-speaking buyers seeking comfort and familiar conditions, areas like Prati or Balduina are suitable. These locations offer developed infrastructure, including Russian schools, stores with familiar products, and even cultural centers. Prati is located near the Vatican and features wide streets and convenient transportation access. Metro Line A runs through this area, making it convenient for those working in the city center.

en_1140x464.gif

Balduina offers a quieter and more peaceful atmosphere with plenty of green areas and parklands, such as Riserva Naturale di Monte Mario, ideal for families with children. In this area, you can find both villas and multi-apartment buildings, allowing you to choose housing to suit any need.

Conclusion

Best Areas in Rome for Buying Real Estate: Historic City CenterBuying real estate in Rome is not just an opportunity to immerse yourself in the world of ancient history but also a chance to invest in a stable and growing market. Despite high prices and some bureaucratic complexities, the capital of Italy remains one of the most attractive cities for living and investing. Here, everyone will find a neighborhood to their liking—from the bustling historic center to the peaceful and cozy outskirts.

Read

How to buy an apartment in Italy: a step-by-step guide for Russians

What is the Italian dream? Delicious wine, ancient cities, and cozy apartments on the coast… At first glance, buying an apartment in Italy seems easy, but in reality, it is complicated by legal nuances and bureaucracy. How can you safely and profitably make a purchase to become a homeowner in one of the most beautiful corners of the world? Let’s answer in the article.

Understanding the Italian real estate market: why and how to invest?

In recent years, interest in buying property in Italy has been steadily growing, and there are reasons for this:

gizbo_1140_362_en.webp
  1. Stable price growth. For example, from 2018 to 2023, real estate in Italy has been steadily appreciating by 3-5% annually, making it attractive for investments. Property prices in popular resorts and major cities like Rome and Milan are increasing faster, creating conditions for future profits.
  2. Favorable conditions for foreigners. In Italy, you can buy an apartment even without permanent residency, and mortgage rates are quite attractive, ranging from 2.5% to 4%, depending on financial indicators and the choice of the bank.

Step-by-step guide: how to buy an apartment in Italy?

Buying Italian real estate is a process that requires careful consideration and knowledge of all stages:

  1. Choosing the region and type of property. For example, in Tuscany, prices range from 3,000 to 5,000 euros per square meter, while in Sicily, they are significantly lower, within 1,200-2,000 euros. Lombardy and Venice are also popular, but prices there can reach 6,000-8,000. Consider not only the cost but also the availability of infrastructure, transportation, and proximity to cultural centers.
  2. Assessing costs and budget. It is important to determine the budget and consider additional expenses such as taxes, notary services, and agent fees. The average transaction cost is around 7-10% of the property value. These expenses include property purchase tax (from 2% for residents to 9% for non-residents), notarial services (approximately 1-2% of the property value), and agent commissions, which are around 3-5%.
  3. Property search and working with an agent. Always work with a licensed agent – they will help you choose the best offers and negotiate with sellers. Italian agents often charge a commission of 3% of the transaction value.
  4. Preparing documents. You will need an Italian tax code – Codice Fiscale, as well as an income statement or other document confirming financial capabilities. The Codice Fiscale is obtained through the Italian tax service or consulate.
  5. Signing a preliminary contract and making a deposit. A Contratto Preliminare is signed with the seller, and the buyer makes a deposit – usually 10% of the total transaction amount. If the seller backs out of the deal, the deposit is returned doubled.
  6. Signing the final contract with a notary. The Atto di Compravendita is certified by a notary, and the buyer pays the remaining amount. The notary verifies the legal cleanliness of the transaction, the presence of all documents, and then registers the property rights in the state registry. Notary services cost around 1-2% of the property value, but this is a necessary measure to ensure security.

Choosing between resale and new properties in Italy

When buying an apartment in Italy, it is important to decide which type of property suits you: resale or new construction?

  1. Resale properties in Italy can be a profitable purchase, especially in historic centers. These apartments are often located in buildings with unique architecture but may require significant investment in renovation. For example, renovating an old building can cost 500-1,000 euros per square meter depending on the condition and materials used.
  2. New properties in Italy – comfort and energy efficiency. New buildings are constructed according to modern standards, resulting in lower utility costs. However, the price of new properties is higher, and the choice is often limited. The average cost per square meter ranges from 3,500 to 7,500 euros depending on the region and building class. However, such properties are often sold with a guarantee from the developer for structural elements and utilities.

When choosing between these options, it is important to consider that resale properties are more often located in developed areas with history, while new constructions are built on the outskirts where the infrastructure may not be fully developed.

Legal and tax aspects of buying an apartment in Italy for Russians

Italian legislation allows foreigners to buy property on the same terms as local residents, but there are important points to consider:

en_1140x464.gif
  1. Property purchase tax varies from 2% to 9% depending on the buyer’s status (resident or non-resident).
  2. Value-added tax (IVA). For new properties, it ranges from 4-10%, depending on the property category. Luxury properties have the highest rate.
  3. Income tax from rentals. If you plan to rent out the property, you must pay income tax. The rate can be up to 24% depending on the income amount. There is also an option to use a fixed rental tax – Cedolare Secca, which is 21% and exempts from other fees.
  4. Mortgage for foreigners. The average rate for non-residents is 3-4% per annum. You need to prove your solvency by providing income documents for the last two years and make an initial payment of 30-40% of the property value.

How much does it cost to buy an apartment in Italy: regional differences and important figures

Real estate prices in Italy vary significantly by region. Let’s consider the most popular destinations and their features:

  1. Rome. The average price per square meter is around 5,000 euros. The city center is more expensive, while suburban areas are much more affordable, with prices starting from 3,000 euros per square meter. Rome is a highly tourist-attractive city, making it profitable for rental investments.
  2. Milan. One of the most expensive cities – housing prices in the center can reach 7 500 euros per square meter. Suburban areas like Sesto San Giovanni offer more affordable options starting from 2,500 euros. Milan is also known as a financial center, increasing demand for rentals.
  3. Tuscany. Property prices start from 3,000 euros per square meter. Villas and apartments are often purchased here for seasonal holidays.
  4. Southern Italy (e.g., Sicily and Calabria). Prices here are much lower, starting from 1,500 euros per square meter, making this region very attractive for those looking to buy affordable property in Italy.

Conclusion

Buying an apartment in Italy means getting the opportunity to experience a unique culture and lifestyle. By following all the steps in the guide, you can safely and profitably complete a real estate purchase transaction and enjoy the vineyards of Tuscany, the sunny beaches of Sicily, or the eternal beauty of Rome.

Read

Pros and cons of living in Italy: bright sun, complex bureaucracy, and eternal caffeine

Italy with its pasta, aromatic coffee, azure sea, and leisurely pace of life attracts many like a magnet. But behind the idyllic picture, there are also its own difficulties. The reality of life in the country with its bureaucracy, high taxes, and unique rhythm is revealed only to those who dare not just dream, but actually move there. Therefore, before making a final decision, it is necessary to carefully weigh all the pros and cons of living in Italy. Let’s talk about them in the article.

Why It’s Worth Moving to Italy: Advantages of Permanent Residence

Many consider moving to Italy because of its rich culture, climate, and gastronomic traditions. But what makes the country particularly interesting for those ready for change?

irwin_1140_362_en.webp

Italian Culture and Lifestyle: Pros Outweigh Any Cons

Italy is a country where every moment is filled with the taste of life. Life revolves around family, food, and savoring the moment. Italians value traditions and know how to find joy in simple things. On Sundays, the streets empty out – everyone gathers for a family lunch of several dishes. Even the workweek here is often punctuated by coffee breaks and small conversations about life.

Italian cities literally breathe history. In every corner of the country, you can find unique architectural landmarks: the Colosseum in Rome, the Duomo cathedral in Milan, the palaces of Venice, and the ruins of Pompeii. Art is present in everyday life: from street sculptures to frescoes on the walls of ancient buildings.

Advantages of Italian culture and lifestyle:

  1. Year-round festivals and holidays. For example, the famous carnival in Venice or the lemon festival in Menton, where the streets are decorated with citrus sculptures.
  2. Family lunches are more important than work. It is not customary to skip a meal with family, and every Sunday turns into a small celebration.
  3. Regional gastronomy plays an important role in the life of every Italian: pasta in Rome, risotto in Milan, and pizza in Naples, prepared according to ancient recipes.

For those who want to savor every moment of life, this country will be an ideal place to fulfill their dream.

Italian Climate and Nature

The Mediterranean climate is one of the country’s main advantages. The north is greeted by the Alps and snowy peaks, while the south boasts sunny beaches and olive groves. The pros and cons of living in Italy often depend on the chosen region.

The north of Italy is characterized by cool winters and warm summers. In cities like Milan and Turin, the winter temperature can drop to 0°C, while in summer it can reach +30°C. Central regions, such as Tuscany and Umbria, are known for mild winters and sunny summers, where the temperature rarely drops below +10°C in winter. Southern Italy delights with warm winters and hot summers. In Sicily, the winter temperature rarely drops below +15°C, while in summer it often exceeds +35°C.

The advantages of living in Italy for those who appreciate nature are obvious: here you can ski in winter, swim in the sea in summer, and enjoy the natural beauty year-round.

Pros and Cons of Living in Italy

Not everything here is ideal, like scenes from a movie. It is a country of contrasts, where sunny moods coexist with bureaucracy and a slow pace of life.

Advantages:

  1. High level of healthcare. State hospitals provide free services for residents, and private clinics offer a high level of service for an additional fee. For example, a consultation with a specialist in a private clinic costs around €100, while in public institutions it is free with insurance.
  2. Developed transportation network. High-speed trains like Frecciarossa connect Rome, Milan, and Naples in just 3 hours. Regional buses and trains provide transportation accessibility even to small towns.
  3. Access to quality products. Fruits, vegetables, meat, and cheese are available year-round at moderate prices. For example, a kilogram of tomatoes costs €2, and fresh mozzarella is €3 per pack.

Cons of Living in Italy

  1. Bureaucracy. Document processing can take months. For example, to obtain a residence permit, several visits to the questura, providing numerous certificates, and a long wait for approval are required.
  2. High taxes. For private entrepreneurs, the tax rate reaches 40%, and for employees, it can go up to 35%.
  3. Employment difficulties. Youth unemployment rates reach 20%, and foreigners find it difficult to find work without knowledge of the Italian language.

Emigrating to Italy requires patience and readiness to adapt to a new environment: the pros and cons of life are made up of simple pleasures and high standards that make everyday life comfortable.

Real Estate in Italy for Russians

The Italian real estate market attracts with a variety of offerings: from ancient villas on the coast to modern apartments in megacities. To ensure that the pros and cons of living in Italy do not turn into disappointment when buying property, it is important to understand all the nuances of the process.

How to Choose and Buy Property

Buying property in Italy is not only an investment but also an opportunity to arrange life in one of the most picturesque corners of Europe. The average cost of an apartment varies depending on the region. In Rome, the price per square meter is around €3000, in Milan – €4000, and on the Ligurian coast, villa prices start from €500,000.

The process of buying property includes several stages:

  1. Choosing the region and type of property. Apartments in large cities like Milan, Turin, and Genoa are popular in the north. In the south, houses on the coast or ancient villas in Apulia and Calabria are preferred.
  2. Property search. Websites like Funda.it, Idealista.it, and Immobiliare.it offer a wide selection of real estate across the country. Real estate agency services facilitate the search but require additional costs (agent commission is around 3% of the transaction value).
  3. Document processing. The buyer needs the following documents: codice fiscale – Italian tax number, passport, and a financial statement.
  4. Legal transaction processing. The transaction is certified by a notary. Their services cost from €1000 to €3000 depending on the region and the complexity of the procedure. It is also necessary to pay a purchase tax, which is 2% of the cadastral value for residents and 9% for non-residents.

Real estate in Italy for Russians becomes an excellent option for those willing to invest in the European standard of living and enjoy the local culture.

Conclusion

The pros and cons of living in Italy create a bright contrast, like light and shadow in a Renaissance fresco. The country offers a delightful mix of warm climate, rich culture, and delicious cuisine, but requires patience when dealing with bureaucracy and adapting to a slow pace of life.

gizbo_1140_362_en.webp

The key to successful emigration is thorough preparation, readiness to adapt, and understanding of cultural peculiarities. When the decision is well-founded and weighed, Italy is capable of offering a true “Dolce Vita” – a sweet life under the southern sun.

Read

Life in Rome for Russians: pros and cons, how to obtain permanent residency

If you are Russian and dream of living in Rome, it’s no wonder: a city with a rich history and a unique lifestyle attracts many Russians. But for the move to be not only an exciting adventure but also a comfortable reality for you, it is important to prepare in advance and study all aspects: the pros and cons of life, the characteristics of neighborhoods, and the process of obtaining permanent residency.

Why Rome is Attractive for Russians

Rome is not just the capital of Italy, but a city where antiquity coexists with modernity. Every corner here is steeped in history, and the atmosphere is conducive to enjoying life. Life in Rome for Russians opens up a whole range of opportunities for cultural enrichment, professional growth, and family well-being.

monro_1140_362_en.webp

Climate and Ecology

The Mediterranean climate of Rome is one of the city’s main advantages. In winter, the temperature stays around +8…+12°C, while summer delights with warm sunny weather up to +30°C. Rome enjoys over 270 sunny days a year. Parks and gardens, such as Villa Borghese, Appian Way, and Celio Park, provide excellent conditions for walks and relaxation. Despite the high level of urbanization, the city preserves ecologically clean areas where you can breathe fresh air even in the city center.

Russian-Speaking Community and Adaptation

Rome has many Russian-speaking communities and organizations that help newcomers adapt to their new life. The Russian Center for Science and Culture, schools, and Orthodox churches, such as St. Catherine’s Cathedral, bring together Russian-speaking residents. Rome has about 20 Russian shops and cafes where you can buy familiar products. Life in Rome for Russians becomes more comfortable thanks to the community that helps with everyday and legal issues.

Work and Business Opportunities

Rome’s economy offers a variety of job opportunities in tourism, education, IT, design, as well as the restaurant and hotel business. Salaries for qualified professionals start from 1,500 euros and can reach 3,000 euros per month. For example, Russian-speaking guides earn up to 2,500 euros, while teachers and tutors earn from 2,000 euros. A stable real estate market and the development of small businesses create additional investment opportunities.

Infrastructure and Transport

The city has a well-developed public transport network, including the metro, buses, trams, and suburban trains. Metro lines A, B, and C cover key areas of the city. Fiumicino and Ciampino airports provide regular flights worldwide. The bus fare is 1.50 euros, and a monthly pass costs 35 euros.

Benefits of Living in Rome for Russians

Rome offers unique conditions for comfortable living. This city is not only a historical treasure trove but also a modern metropolis with developed infrastructure and a high standard of living. Life in Rome for Russians is filled with cultural discoveries, career opportunities, and family comfort.

Cultural Heritage and Architecture

A stroll through Rome is a journey through the centuries. Every district of the city preserves amazing landmarks: the Colosseum, the Pantheon, the Trevi Fountain, and St. Peter’s Basilica. Architectural monuments intertwine with modern buildings, creating a unique urban landscape. For Russian immigrants, life in Rome becomes a constant cultural celebration.

Education and Healthcare

The education system in Rome offers opportunities to study in both public and private schools. The city is home to prestigious universities such as Sapienza, LUISS, and Roma Tre. The average cost of private school education is 8,000–12,000 euros per year. Healthcare in Italy is highly valued, and services are available both through insurance and on a fee basis.

Gastronomy and Markets

Roman cuisine is known worldwide. Dishes like pasta carbonara, pizza al taglio, and artichokes Roman-style become daily gastronomic delights. Markets such as Campo de’ Fiori and Testaccio offer fresh vegetables, fruits, meat, and fish.

How to Obtain Permanent Residency in Rome

Obtaining permanent residency in Italy is an important step for those planning a long-term stay. The procedure requires meeting a number of conditions and preparing documents. Life in Rome for Russians becomes more stable after obtaining permanent residency.

Obtaining a Residence Permit:

  1. A temporary residence permit is granted based on work, study, investments, or family reunification.
  2. The validity period is from 1 to 2 years with the possibility of extension.

Residence in Italy: to apply for permanent residency, you must live in the country for a minimum of 5 years based on a residence permit.

Documents for Permanent Residency:

  1. Passport.
  2. Rental agreement or property ownership certificate.
  3. Proof of stable income (at least 8,500 euros per year).
  4. Health insurance.
  5. No criminal record or violations of immigration laws.

Submitting an Application: the application is submitted to the local police station. You need to fill out a form and undergo the procedure of providing biometric data.

Best Neighborhoods in Rome for Russian Immigrants

Life in Rome for Russians will be comfortable with the right choice of location. Each neighborhood has its own features to consider when moving.

Areas for Families with Children:

  1. Monteverde, with plenty of greenery and a peaceful atmosphere, is ideal for families with children. It is home to prestigious schools, parks like Villa Doria Pamphili, and small cafes. Monteverde has a developed infrastructure and good transportation access to the city center. The average rent for an apartment is from 1,200 euros per month.
  2. EUR (E.U.R.). A modern district known for its architecture and wide avenues. It houses business centers, kindergartens, and schools. Much has been designed with families’ convenience in mind. Renting a three-room apartment will cost around 1,300–1,500 euros.

Prestigious Areas for Professionals:

  1. Prati attracts professionals due to its proximity to the business center and high living standards. It is home to offices of major companies, restaurants, and shopping centers. The average housing cost is 2,000 euros for an apartment. The area is known for its safety and high level of comfort.
  2. Parioli. One of the most expensive and prestigious areas of Rome. Suitable for those willing to invest in premium housing. It features elite restaurants, art galleries, and embassies. Renting an apartment starts from 2,500 euros per month, while buying property starts from 600,000 euros.

Education and Learning in Rome

Rome offers a variety of educational opportunities for children and adults.

Schools and Kindergartens:

monro_1140_362_en.webp
  1. Russian Schools and Kindergartens. Several Russian-speaking educational institutions operate in Rome, such as the Russian School at the Russian Embassy. Education is based on the Russian curriculum, helping children adapt to life abroad without losing knowledge.
  2. International Schools. Popular schools like St. George’s British International School and the American Overseas School of Rome offer education in English. The cost of education ranges from 10,000 to 20,000 euros per year.

Universities and Higher Education

  1. Sapienza. One of the oldest and largest universities in Europe. Education at Sapienza is available in Italian and English. The cost of education starts from 1,500 euros per year. The university is known for strong programs in medicine, engineering, and humanities.
  2. LUISS (Libera Università Internazionale degli Studi Sociali). A private university focusing on economics, law, and business. The cost of education is around 12,000 euros per year. The university collaborates with international companies and offers internships to students.

Conclusion

Life in Rome for Russians combines cultural richness, professional opportunities, and family comfort. The city opens its doors to those ready to enjoy the Mediterranean climate, high standard of living, and friendly atmosphere. Obtaining a visa, choosing a residential area, education, and obtaining permanent residency are key steps for successful adaptation in the capital of Italy.

Read

Cost of living in Italy in 2025: is it worth moving to the country

In 2025, Italy is one of the most popular destinations for relocation. The mild climate, rich culture, delicious cuisine, and historical cities attract people from all over the world. The cost of living in Italy requires special attention: to understand how affordable living in this country is, it is necessary to consider key expense categories, including housing, groceries, medical services, and transportation.

Why Italy remains attractive for relocation?

The country in southern Europe with a unique atmosphere, rich history, and diverse culture continues to be one of the most attractive countries to live in. It is a place where art and architecture blend with natural beauty, creating ideal conditions for work and leisure. The cost of living in Italy often turns out to be lower than newcomers expect, especially when considering the numerous advantages of living there.

slott__1140_362_en.webp

Cultural and geographical diversity

Each region of Italy is unique: the country manages to surprise with a combination of history, gastronomy, and natural landscapes that attract people from all over the world:

  1. Tuscany is famous for its vineyards, hills, and artistic heritage, such as the Uffizi Gallery. It is a region that is perfect for those who enjoy a peaceful life, savoring natural products and wine.
  2. Southern territories, including Sicily and Apulia, offer a comfortable climate, beautiful beaches, and affordable housing prices. Here, you can rent a house by the sea for 700–900 euros per month.
  3. Milan is the capital of fashion and business. The city stands out with modern offices, headquarters of leading companies, and ample opportunities for professional growth.
  4. Central Italy, including Rome and Lazio, is the cultural heart of the country, where world-famous architectural and artistic monuments are concentrated.
  5. Leisure in the Dolomites, beaches on the Amalfi Coast, and Lake Como will not leave anyone indifferent. The developed transportation infrastructure allows easy travel around the country, enjoying its wealth.

Advantages of living in Italian cities

Life in major Italian cities is characterized by moderate costs, a high level of accessible services, and an active cultural environment. Rome, Milan, and Naples provide residents with access to the best educational and medical institutions, as well as numerous opportunities for career advancement:

  1. Rome remains a global center of culture and history. Archaeological landmarks such as the Colosseum and the Roman Forum coexist with modern business centers.
  2. Milan is the economic heart of the country. Companies like Pirelli and Eni are located here, as well as leading institutions such as Bocconi and the Polytechnic University of Milan.
  3. Florence, the capital of the Tuscany region, attracts with its atmosphere of creativity and art. The city is considered the birthplace of the Renaissance: works by Michelangelo, Leonardo da Vinci, and Raphael are located here.

The level of healthcare in these regions remains high. State clinics provide free services to citizens, while private institutions offer a wide range of additional opportunities. The cost of living in major Italian cities is higher than in regions, but the advantages they offer justify these expenses.

How much does it cost to live in Italy in 2025?

Northern cities are known for their high prices, while southern regions offer more affordable options.

Apartment rental prices

The cost of living in Italy depends on the choice of housing and its location:

  1. In Milan, renting an apartment in the city center costs 1500–1800 euros, making it one of the most expensive cities in the country.
  2. In the suburbs, you can find options for 900–1200 euros.
  3. In Rome, prices range from 1300 euros for an apartment in the historic center to 800 euros on the outskirts.
  4. Bologna, known for its universities, offers more affordable options: renting a house in the center will cost around 1000 euros, and in the countryside, about 700 euros.

Prices for groceries in Italy

Food products constitute a significant part of monthly expenses. Italians are known for their love of quality food, so local supermarkets and markets offer a wide selection of fresh produce. Prices vary by region in Italy, but on average, a family of three spends 400–600 euros per month on living expenses:

  1. 1 liter of milk: 1.2 euros.
  2. 1 kilogram of bread: 2.5 euros.
  3. 1 kilogram of apples: 2.8 euros.
  4. 1 kilogram of pasta: 1.5–2 euros.
  5. 1 kilogram of chicken fillet: 9 euros.

Supermarkets like Esselunga, Coop, and Lidl offer regular discounts, and local markets often have fresh vegetables and fruits at lower prices, especially in season. The difference between the north and south is also reflected in food prices. In southern regions, such as Sicily, food is about 10–15% cheaper.

Healthcare system and its cost

Italy ranks high in Europe for the quality of healthcare. State medical services provide affordable treatment for all citizens and residents, while private clinics offer additional options for those willing to pay for premium services. This is one of the factors that justifies the cost of living in Italy, especially for families with children or retirees.

Medical services: expenses and quality

The Italian healthcare system offers a wide range of services, including preventive care, treatment of chronic diseases, and emergency surgeries. State clinics offer free or low-cost treatment funded through taxes. The average cost of health insurance for non-residents is 50–70 euros per month, including basic services such as consultations with a therapist, vaccination, and treatment.

The quality of services remains high thanks to qualified specialists, modern equipment, and strict standards. However, queues in state clinics can be long, which encourages many to choose private institutions. The cost of a doctor’s visit at such a clinic starts from 50 euros, while more complex procedures cost from 100 euros and above.

Features:

raken__1140_362_en.webp
  1. Basic insurance covers most standard medical services, including emergency care.
  2. The Tessera Sanitaria program provides access to benefits (e.g., free vaccinations).
  3. Private clinics are popular among expatriates for their efficiency and individual approach.

Pensioners and families with children receive additional benefits, including free medications for certain population groups. This aspect makes Italy particularly attractive for those seeking quality medical care.

Conclusion

The cost of living in Italy remains high, especially in major cities, but the advantages the country offers justify these expenses. It is an ideal choice for those who value culture, history, a comfortable climate, and a high level of medical services. For a successful relocation, it is important to consider all expenses, choose the right region, and allocate the budget wisely. Italy is ready to offer a unique living experience in one of the most beautiful corners of Europe.

Read

Moving to Italy for Permanent Residency: Up-to-Date Information for 2025

Italy, a country with a rich cultural heritage, unique architecture, and a mild climate, continues to remain a dream for many considering moving abroad. In 2025, the relocation process to this country has acquired new nuances and rules. To understand how to organize a move to Italy for permanent residency, it is necessary to carefully study the legislation, document requirements, and financial conditions.

Moving to Italy for Permanent Residency: Step-by-Step Plan for 2025

The stages of relocation have become structured thanks to the implementation of new programs and rules that simplify or, conversely, complicate the process for certain categories of citizens.

monro_1140_362_en.webp

1. Choosing the Type of Visa

The first step to moving to Italy for permanent residency is choosing a visa that suits specific purposes and possibilities. For most immigrants, the national visa (type D) is suitable, but there are other options as well:

  1. Schengen Visa. Limits the stay to 90 days within six months. Suitable for initial acquaintance with the country but not for long-term residency.
  2. National Visa (D). Grants the right to stay in Italy for more than 90 days, visit other Schengen Zone countries, work, and study. The application fee is 116 euros.
  3. Nulla Osta. Additional permission required for certain categories, such as family reunification or investor visa.

Each type has its own specifics, and the choice depends on the purpose of moving to Italy for permanent residency. For example, a special program is available for retirees, and for investors, there is the golden visa, involving investment in the country’s economy.

2. Document Preparation

To apply for a national visa and subsequently obtain a residence permit, a complete set of documents is required:

  1. Valid passport with a minimum of 6 months validity.
  2. Health insurance covering the visa period.
  3. Evidence of financial stability (bank statements, income certificates).
  4. Proof of ties to Italy: invitation from an employer, property documents, or family ties.
  5. Photos according to the specified format.

Special Cases:

  1. For those moving to Italy for family reunification, marriage or relationship certificates are provided.
  2. Investors need to provide evidence of the required financial resources and investment plan.

3. Temporary Residence

A temporary residence permit (Permesso di Soggiorno) is issued after entering the country. To obtain this, an application must be submitted to local immigration services within 8 days of arrival. The permit is valid for 5 to 10 years depending on the basis of relocation. During this time, it is necessary to demonstrate integration into society: learning Italian, complying with local laws, and participating in social life.

4. Obtaining Permanent Residency

After the temporary residence permit expires, an application for permanent residency can be submitted. To do this, the following is required:

  1. Confirmation of stable income.
  2. Demonstration of proficiency in Italian language (B1 level certificate).
  3. Provision of medical insurance and tax declarations.

The process of obtaining permanent residency in Italy after relocation takes up to 6 months and involves a thorough document review.

Golden Visa: Unique Opportunity for Investors

The golden visa program remains one of the most attractive ways to organize a move to Italy for permanent residency through significant financial investments. In 2025, the minimum investment amounts remain as follows:

  1. Real estate purchase starting from 250,000 euros.
  2. Investments in business or government bonds starting from 1 million euros.
  3. Charitable donations amounting to at least 100,000 euros.

The golden visa allows the investor to:

  1. Live and work in Italy.
  2. Travel within the Schengen Zone countries.
  3. Access the state education and healthcare system.
  4. Participate in the economic and social life of the country.

Investors who obtain the golden visa also have the right to apply for permanent residency after 5 years of moving to Italy and for citizenship after 10 years.

Moving to Italy for Permanent Residency for Russians in 2025

Visa application processing times have increased due to enhanced control measures. Russians are required to provide more evidence of financial stability and undergo additional checks regarding ties to the country.

Required documents:

  1. Passport and its certified translation.
  2. Certificate of no criminal record issued within the last 3 months.
  3. Evidence of income (tax declarations, bank statements).
  4. Italian language proficiency certificate.

Advantages of Living in Italy

Moving to Italy for permanent residency opens the doors to a life in a country where each day is filled with culture, comfort, and opportunities for self-realization. Firstly, the Republic is renowned for its mild climate, which positively affects health. In the northern regions, one can enjoy cool winters and alpine views, while the southern coast offers warm summers and sea air, reducing stress levels and boosting immunity.

Italian culture and cuisine are an integral part of its appeal. Each region offers its culinary masterpieces: pizza in Naples, pasta in Rome, wines in Tuscany. Historical landmarks such as the Colosseum in Rome or the Uffizi Gallery in Florence create a feeling of living in an open-air museum.

The country’s healthcare system is among the best in Europe. Residents have access to free state healthcare and affordable private insurance policies starting from 50 euros per month. The level of service and qualifications of doctors make Italy attractive for living.

Italian education is highly valued internationally. State and private schools offer programs in local and English languages, while leading universities such as the University of Bologna and the Polytechnic University of Milan provide quality and affordable higher education.

lex_1140_362_en.webp

The sea is another advantage. With over 7,600 kilometers of coastline, Italy offers a unique lifestyle with walks along the beaches, water sports, and a relaxing atmosphere. Urban comfort combined with natural beauty makes the country an ideal place for families with children, professionals, and retirees.

Conclusion

Moving to Italy for permanent residency in 2025 remains a sought-after direction due to high living standards, diverse prospects, and the warm hospitality of the country. Successful relocation requires careful preparation, compliance with all legal norms, and adaptation to a new culture. Following all stages—from visa selection to citizenship acquisition—opens doors for immigrants to a stable and comfortable life in one of the most beautiful countries in the world.

Read

Why buying real estate in Italy is like getting a ticket to a new life

Real estate in Italy is a combination of ancient walls absorbing the warmth of the sun and modern elegance of interiors. Unique architecture – from baroque buildings in Rome to cozy stone houses in Tuscany – creates a space where every morning becomes the beginning of new inspiration.

## Buy an Apartment in Italy and Live “Under a Roof Full of Emotions”

slott__1140_362_en.webp

The land of Vesuvius is a whole world filled with scents of basil and orange trees, sounds of gondolas, and history that permeates every corner. Settling here means not just acquiring housing, but absorbing this color, becoming part of everyday beauty that locals no longer notice. The street where mopeds rush by, market vendors’ cries, street musicians playing on the central square – all this romance becomes part of existence.

## Life on the Coast: Real Estate in Italy by the Sea as an Embodiment of a Dream

Endless enjoyment of the events on the shores of the magical Mediterranean Sea. White sandy beaches, crystal clear water, gentle breeze. When the windows are open, and you hear the sound of the waves, everything else fades. It is more than just a view from the window; it is a new way of life. The peninsula offers choices – from luxurious villas on the Amalfi Coast to quiet cozy houses in Apulia, where you can truly relax from the city bustle and enjoy harmony with nature.

## Golden Beach or Rocky Coast: How to Choose Your Place on the Coast?

When choosing seaside real estate, it is important to consider not only the price but also the character of the coast. Ligurian beaches are rocky coves and pine forests, while Calabria offers long sandy stretches. Resorts on the Amalfi Coast are suitable for active leisure enthusiasts, and for those who prefer solitude, cozy corners can be found in the south of the country, where you can meditate to the sound of the surf and enjoy the tranquility.

**Advantages of Living by the Sea:**

1. Crisp air and sea breeze.
2. Opportunity for water sports.
3. Sunset views every evening.
4. Healthy lifestyle and favorable climate.

## Investing in Real Estate in Italy: Capital Protection and Profit

The creative heart of Europe is famous for its cultural and historical wealth, which invariably attracts millions of tourists from around the world. This demand provides property owners with the opportunity to earn a stable income from rentals.

The average yield is around 4-6%, significantly higher than bank deposit returns. Investing in real estate properties is an investment in stability and the future, where a seaside home or an apartment in the center of Rome becomes not only a residence but also an asset that appreciates over time.

## Difference in Yields: How to Choose the Right Region for Investments?

When choosing a region for property investments, it is important to consider several factors: popularity among tourists, infrastructure development, and average housing prices. For example, real estate prices in Italy from Milan to Rome will be higher due to high demand, while investing in properties in Tuscany or Sicily may yield higher rental returns due to increasing interest in these regions.

**Factors Affecting Price:**

1. Geographic location.
2. Proximity to landmarks and attractions.
3. Infrastructure development and transportation accessibility.
4. Type: luxurious villa, modern apartments, or ancient house.

## Elite Real Estate in Italy: Luxury and History in One Bottle

A true gem for connoisseurs of refined wealth and historical significance. High-class homes are works of art, creating an atmosphere of aristocratic grandeur. Villas in Tuscany surrounded by endless vineyards, palazzos in Venice with mosaic floors, mansards overlooking the Vatican embody history and style that cannot be replicated. Contrary to stereotypes, luxury-class properties are accessible: many Italian banks offer favorable conditions for purchase, allowing the dream of luxury to become a reality.

### Tuscan Villa or Venetian Palazzo: Which Style Suits You Best?

Each region of the peninsula offers its unique style:

1. Tuscany – spaciousness, vineyards, and sunsets that make the heart stand still. For those who love sunny hills and wine.
2. Venice – the luxury of water, canals, and centuries-old buildings that tell the tales of the former maritime empire. Suitable for those who want to experience the magic of water cities.

## Italian Real Estate with a Mortgage

A real opportunity to fulfill the dream of a home on the shores of the Mediterranean Sea. Italian banks offer mortgage programs available to foreign citizens, with interest rates ranging from 2 to 4%. To apply for a loan, minimal documents are required, and banks are willing to finance up to 70% of the property’s value. This accessibility makes purchasing real estate in Italy attractive even for those who want to preserve capital for other purposes.

### Buying a House or Villa in Italy or Apartments: Pros and Cons of Each Option

A house provides freedom, the opportunity to create your own garden, and seclusion. It is an ideal choice for those seeking tranquility and inspiration, especially in regions like Tuscany or Sardinia.

Apartments, on the other hand, offer the convenience of urban hustle, access to infrastructure, and minimal maintenance costs. The choice depends on preferences: space and nature or the dynamics surrounded by cultural landmarks and fashionable boutiques.

## Italian Historical Sites and Their Role in the Market

The land of Ancient Rome is rich in ancient sites, many of which significantly influence the value and attractiveness of residences. Areas near iconic landmarks like the Colosseum, St. Mark’s Square, or the Leaning Tower of Pisa have high demand for rentals. Tourists visit these places year-round, making investments in real estate near Italy’s legendary attractions a wise decision.

### Is It Worth Overpaying?

raken__1140_362_en.webp

The historical value of the area guarantees that the property will not lose value. On the contrary, the value only increases, as demand for rentals remains high. Moreover, living near culturally significant sites creates a special atmosphere that cannot be described in words: every day is like a little journey into the past, blending with modernity into a unique symphony.

## Real Estate in Italy – a Ticket to a New Reality Full of Emotions and Discoveries

Warm climate, stunning nature, sea, historical monuments – all this makes the kingdom of olive groves an ideal place for permanent residence, where every day is filled with inspiration. By buying real estate in Italy, you not only get a place to stay but also the opportunity to enjoy a high quality of life.

Read

banner 2

Translate from ru to en. Keep HTML markup unchanged:

en_1140x464.gif
Read

Real Estate in Sicily: prices, how to buy in 2025

Sicily is attracting more and more foreign investors. The island combines ancient culture, beautiful landscapes, and favorable conditions for living and doing business. In 2025, the question of how to buy property in Sicily continues to be attractive for those looking to invest in real estate or to emigrate. We will discuss the features and how foreigners can successfully acquire square meters in the article.

Sicilian Real Estate Market: How to Buy a House on the Island in 2025

Each year, the island becomes increasingly popular among buyers from different parts of the world. The price per square meter varies depending on the property’s location. In cities and tourist areas like Palermo, Catania, and Siracusa, housing costs are 20-30% higher than in less popular areas.

monro_1140_362_en.webp

Sicily is not only an ideal place for vacation but also profitable for investments. Here, you can purchase traditional homes with historical charm or modern apartments overlooking the Mediterranean Sea. In 2025, there is also a steady demand growth for villas and cottages in coastal and rural areas. The average price per square meter in tourist zones is around €1,500–2,500, while in less popular and remote locations, options can be found for €700–1,200 per square meter. Foreign buyers are increasingly looking at the possibility of renting out properties to generate good income.

How to Buy Property in Sicily: Step-by-Step Guide

It is important to remember that for foreigners who are not citizens of the European Union, there are special requirements and restrictions to consider when purchasing properties. How to buy property in Sicily:

  1. Find a suitable option: the island offers a variety of properties for purchase. The main types of real estate are apartments, villas, apartments, and townhouses. Before starting the search for housing, it is important to decide which type is suitable for individual purposes – for living or as an investment for rental.

  2. Sign a contract with an agent: a specialist specializing in selling real estate in Sicily can help you find suitable housing. Many agents provide services for foreign clients and can also advise you on the best areas for investments.

  3. Check the legal cleanliness of the property: it is very important to make sure that the chosen property has no debts, tax arrears, or other obstacles. This will require checking documents related to property rights and ensuring that all permits for construction or renovation of the property are valid.

  4. Sign a contract: once you have chosen a property and verified its legal cleanliness, you can sign a preliminary sales contract. It specifies the transaction amount, payment terms, and the deadline for transferring property rights.

  5. Pay and complete the transaction: buyers usually pay a deposit of 10-20% of the property’s value, after which the final payment is made, and all necessary documents are processed. The deal is completed by signing a notarial deed.

  6. Pay taxes and fees: when buying property in Italy, the buyer must pay a property transfer tax, which ranges from 7% to 10% of the property’s value. It will also be necessary to pay notary fees, which amount to 1-2% of the property price.

  7. Obtain a residence permit through investments: for foreign citizens investing in real estate worth €500,000 or more, there is an opportunity to obtain a residence permit. This is possible through the “Golden Visa” program, which grants the right to reside in Italy and the freedom of movement within the Schengen area.

Taxes and Expenses on Property in Sicily

To answer the question of how to buy property in Sicily, it is important to pay attention to the taxation system that needs to be considered in the process. The main taxes are:

  1. Property transfer tax: the fee is 9% of the property’s value if the buyer is a foreign citizen who is not a resident of Italy.
  2. Property tax (IMU): an annual tax that depends on the value and type of property. It amounts to about 0.4–1% of the property’s value.
  3. Rental income tax: if you plan to rent out the property, you will need to pay a rental income tax, which in Italy is 21%.

Investments in real estate in Sicily are becoming increasingly attractive to foreign citizens for several reasons:

slott__1140_362_en.webp
  1. Sicily, located in the Mediterranean Sea, has a mild climate and picturesque landscapes, making it a popular place for both leisure and investments.
  2. Compared to other regions of Italy, real estate in Sicily remains more affordable, opening up opportunities for profitable investments.
  3. Due to high demand for property rentals in tourist areas, rental yields can reach 5-7% per year.
  4. Sicily offers the opportunity to obtain a residence permit and permanent residency for foreign citizens investing in real estate, significantly simplifying the citizenship acquisition process.

Property Prices in Sicily: Price Range in 2025

The cost of property in Sicily varies depending on the location, type of housing, and market conditions. The average price per square meter in central areas like Palermo and Catania is €1,500–2,500. In tourist zones such as Taormina and Siracusa, prices can reach €3,000–4,500 per square meter. For those looking for housing at lower costs, apartments and houses can be found for €700–1,200 per square meter.

Conclusion

How to buy property in Sicily is a relevant question for investors in 2025. The island attracts those seeking stable rental income and wanting to enjoy a comfortable life in the beautiful region of Italy. With affordable prices, good profitability, and the opportunity to obtain a residence permit and permanent residency, Sicily continues to be one of the most advantageous places for real estate investments in Europe.

Read

Mortgage in Italy for Foreigners: Everything You Need to Know

A mortgage in Italy for foreigners serves as an entry point into one of the most stable markets in Europe. Thanks to the liberal approach of banks, lack of citizenship does not restrict access to financial products. The housing segment offers a variety, from rural villas to apartments in metropolises. The average interest rate ranges from 3.1% to 4.2%, the term reaches 30 years, and the down payment is 30-40% of the property value.

Mortgage conditions in Italy for foreigners: legal framework and real figures

A mortgage in Italy for foreigners requires compliance with three key conditions, among them:

slott__1140_362_en.webp

  1. Legal status in the EU territory (visa, residence permit, permanent residency).

  2. Financial transparency — income must be confirmed outside Italy.

  3. Readiness for a down payment (usually from 35%).

The maximum loan amount is 60-70% of the property value. The average loan term is 20 years. The income part is strictly evaluated: the monthly payment should not exceed 30-35% of stable income. This rule ensures protection for both the investor and the bank.

Banks in Italy: who actually approves mortgages for foreigners

Among the largest players are:

  • Intesa Sanpaolo — offers flexible products for rent and personal use.

  • UniCredit — actively works with citizens of CIS countries.

  • Banca Monte dei Paschi — tailors offers for “investors without EU citizenship.”

Each institution uses its own risk calculation formula. The loan is processed faster with a local account, registration address, and tax number (codice fiscale).

Documents for a mortgage

The basic list includes:

  • passport;

  • income statement for 24 months;

  • tax return;

  • bank statements for 6-12 months;

  • purchase-sale contract or preliminary agreement;

  • taxpayer number in Italy (codice fiscale).

Sometimes, proof of registration at the place of residence is added to the list, especially if the borrower is renting housing in the EU. Translation of all documents is mandatory, with an apostille if submitted from abroad.

Format, types, and purposes of mortgages

Mortgages in Italy for foreigners are classified by purpose, type, and payment method.

By purpose:

  • purchase for personal use;

  • purchase with subsequent rental;

  • investment with a view to resale;

  • use under residence permit/permanent residency.

By type:

  • fixed rate (more reliability, higher initial load);

  • floating rate (lower rate, higher risks);

  • mixed product (fixed for the first 5 years with subsequent adjustment).

By payment method:

  • annuity (uniform payments);

  • linear scheme (reduction of loan amount each year);

  • bullet mortgage (interest payment monthly, principal at the end of the term).

Each format suits a specific purpose. For rental, bullet or annuity is more beneficial, for resale — linear format, accelerating debt reduction.

Calculations and indicators: how banks assess reliability

A mortgage in Italy for foreigners is calculated based on the standard banking formula: the ratio of monthly payment to regular income. The threshold is set at 30-35%. The average annual income for mortgage approval of €100,000 should be at least €30,000 after taxes. The property is evaluated based on market value by an independent appraiser accredited by the bank.

The down payment reduces the credit leverage. For properties in Northern Italy, a 40% down payment increases the approval chance by almost 60%. For southern provinces, banks require higher — up to 50%, especially in the absence of tax residency. Organization commission is 1-2% of the amount, registration is 0.5%, notary expenses range from €2,000.

Mortgage interest rates: range and dynamics

Mortgage interest rates for foreigners in Italy range from 3.1% to 4.9% depending on the term, credit profile, and borrower’s status. Banks offer two main options:

  • fixed rate — from 3.8% (up to 25 years);

  • variable rate — from 3.1% (tied to EURIBOR).

Sometimes, a combined model with a floating parameter, fixed after three years, is available.

Buying property in Italy on credit: mechanics and risks

The process involves four stages:

  1. Signing a preliminary purchase agreement (compromesso).

  2. Obtaining mortgage approval.

  3. Property appraisal and legal check.

  4. Signing at the notary and transferring funds.

The risk of default is mitigated by the collateral insurance system. In case of non-payment, the bank has the right to the property without judicial proceedings. Therefore, a mortgage in Italy for foreigners requires strict adherence to deadlines and payments. A delay of over 90 days activates the recovery procedure.

Investing in Italian real estate: arguments and benefits

A mortgage in Italy for foreigners serves not only as a way to buy housing but also as an investment tool. This is especially relevant in second-tier cities — Trieste, Verona, Bologna. There, price growth exceeds the average inflation rate by 2-3% annually. The average rental yield is 4-5% per year with stable occupancy.

Foreign investors receive an additional bonus — the opportunity to obtain a residence permit with investments from €250,000. The status simplifies the process of obtaining subsequent loans and reduces the rate by 0.5-0.7% upon renewal. Permanent residency requires registration of a permanent address and no outstanding debts.

Mortgage for non-residents in Italy: features and limitations

A mortgage in Italy for foreigners without resident status includes increased risk for the bank. Therefore:

  • the rate increases by 0.8-1.2%;

  • the term decreases to 15-20 years;

  • the down payment rises to 45-50%;

  • the monthly payment is fixed in euros.

Additionally, banks require either a resident’s guarantee or opening a deposit account for 6-12 months in advance.

Mortgage benefits and additional mechanisms

Some regions in Italy offer mortgage benefits to foreign investors, including:

  • waiver of registration tax in rural areas;

  • subsidy on part of the interest rate (up to 1%) for purchasing historical properties;

  • compensation for notarial expenses for the first purchase.

    irwin_1140_362_en.webp

A mortgage in Italy for foreigners becomes particularly advantageous when using these mechanisms. Activation of the program requires application through the local cadastral service and approval by the regional administration.

Conclusion

A mortgage in Italy for foreigners forms a stable platform for long-term property ownership in the EU. Banks do not require citizenship but assess payment ability, income, and purchase goals. Each stage — from application to approval — requires discipline and financial transparency. At the same time, the market offers flexibility: a variety of schemes, rates, and properties ensure an individual approach.

Read

How to Obtain Italian Citizenship: Current Ways to Obtain an Italian Passport

Pizza, Colosseum, Fellini – not the only reasons why the query “how to get Italian citizenship” consistently holds high positions in search engines. An Italian passport provides freedom in 190 countries, access to top European healthcare, and full rights in the EU. Obtaining it is a complex process with clear conditions, deadlines, and legal nuances.

Citizenship by Descent

The most direct answer to the question of how to get Italian citizenship sounds simple: prove the presence of Italian ancestors. Sounds easy, but in practice, it’s a quest involving archives, apostilles, and tons of legal details.

raken__1140_362_en.webp

The scheme is based on the principle of “jus sanguinis” – right of blood. The law allows obtaining Italian citizenship through lineage even if ancestors emigrated more than a century ago. The key is to prove the continuous transmission of citizenship status through generations.

Key conditions:

  • direct descent from an Italian citizen (before 1948 – only through the male line);
  • absence of ancestor’s naturalization before the birth of the next generation;
  • full set of supporting documents: birth, marriage, death certificates, naturalization proof (or its absence).

Example: Marco Ricchio, born in Buenos Aires in 1985, obtained Italian citizenship in 2021. He proved that his great-grandmother emigrated from Tuscany in 1903 without losing citizenship before his grandfather’s birth.

Marriage to an Italian Citizen

Love for a citizen of the Italian state not only offers a chance for family bliss but also for an Italian passport. The state requires passing the test of time and language proficiency.

How to get Italian citizenship through marriage:

  • officially marry;
  • live in marriage for at least 2 years in the country or 3 years – outside it;
  • demonstrate Italian language proficiency not lower than B1;
  • provide evidence of cohabitation and stability of the marriage.

Fact:
 After submitting the application, the country’s Ministry of Interior considers the case for about 2 years. It can be faster, but more often – longer. The program includes a mandatory check for the authenticity of the relationship.

How to Obtain Italian Citizenship through Naturalization

Naturalization in Italy is the longest but most reliable path to citizenship. This option is suitable for those who have already gone through the immigration process and intend to link their life with this country. To obtain citizenship, one must live in the country for 10 years, have a stable income above the minimum, and have no criminal record. Authorities also require proof of integration into society. This is expressed in paying taxes, official employment, and active participation in social life. Knowledge of the Italian language at level B1 is a mandatory condition, confirmed by certification. From 2023, the document submission process is fully digitized. Applications are sent through an online platform after passing the identification procedure through SPID or CIE.

Investments as a Gateway

Some investors wonder how to obtain Italian citizenship even without roots or partners in the country. The answer is the country’s investment residency program.

Scheme:

  1. Invest in the economy – from €250,000 (startup) to €2,000,000 (government bonds).
  2. Obtain Italian residency for up to 2 years.
  3. Live in the country for a minimum of 10 years.
  4. Apply for Italian citizenship through naturalization.

The investment residency does not guarantee automatic citizenship status. It allows a legal start towards it with accelerated residency conditions.

Birth on Italian Soil: Exceptions and Nuances

The principle of “jus soli” does not automatically apply in the country. In certain cases, children born on Italian soil to foreign parents are given the opportunity for naturalization.

How to obtain Italian citizenship by birth:

  • be born in the Italian state to foreign parents legally residing;
  • submit an application after turning 18, provided continuous residence in the country since birth.

In 2021, the government was considering a reform to simplify the process, but it has not yet come into effect.

Full List of Documents

To apply for Italian citizenship regardless of the basis, you will need to prepare an extensive document package. In practice, successful cases are handled by lawyers, considering strict requirements for translation, apostille, and notarization.

Mandatory list:

  • passport and ID card;
  • Italian residency permit (if applicable);
  • birth, marriage, divorce certificates (depending on the basis);
  • certificate of no criminal record;
  • income proof for the last 3 years;
  • B1 certification;
  • payment receipt of €250 fee;
  • proof of tax payments.

More on How to Obtain Italian Citizenship

The law clearly outlines five legal paths. Each requires an individual approach, compliance with conditions, and a precise strategy.

gizbo_1140_362_en.webp
  1. By Descent. Granted to descendants of Italians who retained citizenship before the birth of the next generation. Distant lines of kinship are allowed if the applicant can document the entire chain. Female line – only after 1948.
  2. By Marriage. Union formalized after 2 years of cohabitation in the country or 3 years outside it. Mandatory language proficiency (B1 level), no criminal records, legal union.
  3. By Naturalization. Possible in the country after 10 years of legal residence. Requires stable income, language proficiency, no offenses, and full integration.
  4. By Investments. Italy’s investment residency program requires investments from €250,000 to €2,000,000. After 10 years, the opportunity to apply for Italian citizenship through naturalization.
  5. By Birth. Citizenship granted to migrant children born and continuously residing in the country until 18 years old. Application must be submitted before turning 19.

How to obtain Italian citizenship is a question that is answered only with strict compliance with all requirements. Each path leads to an Italian passport but requires precision, time, and legal preparation.

Conclusion

How to obtain Italian citizenship is not rhetoric but a clear action plan. There are many options: lineage, love, investments, patience, or integration. Italian citizenship has become a reality for more than 123,000 people in just the past year. Success depends not on love for the country but on the ability to meet legal requirements and complete the process.

Read

Property taxes in Italy: what foreign investors need to know

Italy traditionally attracts foreign investors interested in profitable real estate investments. However, the most common mistake when purchasing properties is underestimating the tax burden, which can increase the final cost of buying and maintaining housing. The amount depends on the type of property, its value, and the owner’s residency status.

It is a mistake to assume that tax rates are the same for everyone. Without a detailed understanding, one may face unexpected expenses, such as a tax on second properties or additional fees for rental housing.

raken__1140_362_en.webp

Let’s delve into detail on what property taxes an investor in Italy must pay, how the cadastral value of housing is calculated, what benefits exist when purchasing, and what additional expenses are important to consider.

What taxes does a foreign investor pay in Italy

When buying property in Italy, investors encounter various types of taxes, which can be divided into mandatory and annual fees.

Taxes on property purchase

When acquiring residential properties, foreigners must pay:

  1. Registration tax (Imposta di Registro) — 9% of the cadastral value of real estate in Italy if purchased from a private individual.
  2. VAT (IVA) — 4%, 10%, or 22% if the property is purchased from a developer.
  3. Stamp duty (Imposta di Bollo) — 50 euros.
  4. Mortgage tax and cadastral fee – 2% and 1% of the property value.

Taxes on property ownership

After purchasing a property, the following annual payments are made:

  1. IMU — property tax, rates range from 0.4% to 1.06% depending on the region.
  2. TASI — municipal service fee, rate – 0.1%–0.3%.
  3. TARI — fiscal waste disposal fee, amount depends on the area and number of occupants.

These property taxes in Italy depend on the property value and region. For example, rates are higher in Milan compared to southern provinces.

How is the cadastral value calculated and why is it important

The cadastral value of real estate in Italy (Valore Catastale) is the assessed value of the property determined by government authorities based on the property category, location, and type of use. The amount is usually lower than the market price, with a difference of 30-50%. The government assessment is used for tax calculation, so it is important to consider it before purchasing.

The assessed value is based on coefficients multiplied by the base price per square meter set for each type of property. Residential properties have coefficients of 110–160, while commercial properties have coefficients of 40–80. These coefficients are periodically reviewed by Italian authorities.

How the assessed value affects taxes

Several key taxes depend on the cadastral value:

  1. Registration fee — 9% of the cadastral assessment when purchasing property from a private individual.
  2. IMU — property ownership tax, calculated based on a coefficient multiplied by the base value. The higher the assessment, the higher the tax.
  3. TARI — waste disposal fee, directly related to the cadastral value: higher assessment leads to higher payments for municipal services.

If an investor chooses property with a lower assessed value, they can significantly reduce the tax burden. However, before purchasing, it is advisable to consult with specialists, as properties with underestimated cadastral values may have legal or operational restrictions.

What tax benefits are available to foreign investors

There are benefits for foreign buyers when purchasing property in Italy:

  1. First property: if the property is purchased for personal use, the registration fee is reduced to 2%.
  2. For residents: if residency is established, one can avoid IMU on primary housing.
  3. IVA rate: when buying new construction, one can benefit from a reduced 4% rate.
  4. IMU reduction for rented property: if the property is rented with an official contract, the IMU rate is reduced by 25%.

It is important to find out in advance what benefits are available and how to apply for them.

What property taxes need to be paid annually in Italy

Property owners in Italy annually pay mandatory taxes related to property and municipal services:

1. IMU — property tax. Required for all properties except primary residences (unless they are luxury properties like villas, castles, historic buildings):

  • rate: from 0.4% to 1.06% of the cadastral value;
  • payment: twice a year — in June (advance) and December (final payment).

2. TASI — municipal service tax. Covers expenses for lighting, roads, security:

  • rate: up to 0.3% of the cadastral value;
  • who pays: owner, sometimes the tenant.

3. TARI — waste disposal tax. Depends on the property area and number of occupants:

gizbo_1140_362_en.webp
  • calculation formula: base rate × area + adjustment based on occupants;
  • payment: once a year or quarterly.

4. Rental income tax. When renting out property, the tax on income is:

  • Cedolare Secca — 21% (fixed rate);
  • IRPEF — from 23% to 43% (progressive scale).

5. Penalties for non-payment:

  • 30% of the amount owed + late payment interest;
  • property seizure is possible.

Conclusion

Acquiring property in the beautiful European country is a profitable investment, considering all the obligations placed on the buyer. Property taxes in Italy include both one-time expenses at the time of purchase and annual payments that can significantly impact the owner’s budget. Ignoring tax nuances can lead to additional expenses, while careful planning can result in significant savings. By determining the cadastral value of real estate in Italy in advance, one can correctly calculate upcoming payments and minimize the tax burden. A sensible approach to taxation is the key to successful property ownership and high return on investment.

Read

Join us! All you have to do is subscribe!

By leaving an e-mail, you agree to the processing of personal data.