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

Home » blog » 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:

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  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:

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  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.

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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.

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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:

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  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.

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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.

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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.

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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.

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