Properties for sale, Liguria, Italy: houses and apartments
Frequently Asked Questions
From selling to buying your dream property, we are available to answer all your real estate questions and will be happy to advise you.
Is a broker's commission charged?
A real estate agent is legally obligated to act impartially. They work on behalf of both the buyer and the seller and must hold an Italian real estate license. Therefore, their commission is usually paid by both the buyer and the seller. Each agent sets their own commission rate. A buyer typically pays 3% to 5% + VAT of the sales price. Always have everything checked and processed by a notary. Do not make any payments directly to the agent or seller. Be sure to have a preliminary contract (compromesso) registered with the land registry/property register. This is especially important if the buyer still needs to secure a mortgage.
Offer proposal → 2nd preliminary contract (compromesso) → 3rd notarial deed ("Rogito", transfer of ownership)
The notarial transfer of ownership in Italy: What buyers need to know
The only legally binding mediation step is the definitive transfer of ownership agreement between the parties, which must be drawn up and attested by the notary. The payment amount should be made in advance by means of Ital. Bank check be handed over to the notary. The Notaryfee and transfer taxes are charged by Notary called in, he also ensures that the cadastre (catasto) and the property register are updated correctly. To the duties one Notariesthat ensure successful completion include:
- Clarify ownership
- Eg easements and rights of way, liens (mortgage, land charge), right of first refusal etc.
- check that it is a legal object and not a "black building", or conversions / additions are also registered in the land registry.
- checking the identities of the parties (buyers / sellers); ensure that they meet the legal requirements for entering into the agreement (B. Minimum age, common sense)
- the applicable tax regime confirm and collect the taxes due. Real estate transfer tax is 2% for primary residence and 9% for secondary residence of the cadastral value
- Issuing the deed of ownership ensures compliance with all applicable laws
- enclose the legal floor plan for the property
- Read the notary deed to the parties to ensure that they understand the content and that it is what they want
- collect stamp duty and taxes on behalf of the state
- Registration of transfer of ownership with Property registerand in the Land Registry (catasto)
- In order to open a bank account in Italy, a bank requires personal identification and an Italian tax number (codice fiscale). A codice fiscale that is quite easy to obtain.
Once you become a new owner, you incur some recurring costs:
- Facilities (telephone, gas, electricity)
- Condominium management costs
- only if your property is part of a condominium community
- Local garbage and service tax
- Municipal or property tax (Imposta Municipale) for services and expenses of the municipality
- does not apply if your house is your main residence- unless it is a luxury property.
- Insurance
- You should at least consider insurance that covers damage to third parties, such as when a water pipe breaks and your neighbors suffer water damage. You can also consider theft, fire, and other coverages.
- Avoid double coverage:
- If you are in a condominium community, there may be group insurance for the building.
- If you have taken out a mortgage loan, you have some risk coverage for life over the life of the mortgage loan.
Your real estate agent can provide an overview of your expected annual ownership costs.
Tax deductions
Property owners can benefit from a number of tax deductions when filing a tax return in Italy. The exact details may change from year to year. Preferably speak to an Italian. Tax Advisor (Commercialista)
- Brokerage fee
- Mortgage loan interest
- Renovation costs
- Energy saving improvements
What can the broker do for you?
- Provision after "after-sales phase" as community registration
- Activation of electricity, water, possibly gas, WiFi, insurance, waste disposal
- Bureaucratic administration.
- Maintenance work and possibly cleaning.
- Monitoring of conversions, renovations.
- Construction direction including geometer
- Report via video / photos / WhatsApp
Exclusive properties for sale in Liguria – Charming villas and rusticos
Discover our carefully selected properties, including villas, country houses and rusticos with sea views and panoramic views of the Ligurian coast. Our carefully selected properties in Liguria offer a unique selection of charming villas, country houses and rusticos. Find your dream home, whether in Rapallo with unique sea views or in picturesque villages such as Cervo. These properties often offer panoramic views and proximity to the seafront promenade. We also offer exclusive villas with infinity pools or a rustic stone house in remote areas, ideal for those seeking relaxation. Enjoy the peace and nature surrounded by olive trees or relax in a luxurious villa with a beautiful pool.
What you should consider when purchasing a property in Liguria
When buying, you should prepare well for the real estate market. Especially in places like Rapallo, Cervo and Imperia, there are a variety of properties for sale, including villas with sea views, renovated stone houses, country houses or even luxurious properties such as a villa with an infinity pool and panoramic views. The region of the Riviera di Ponente offers a picturesque setting and is ideal for buyers looking for peace and relaxation.
Once you have decided to purchase, it is important to legally secure the sale. In Italy, sales to private or commercial customers are carried out by notarizing the sales contract. A preliminary contract is often concluded beforehand to secure the purchase of the property. The notarial entry in the property register is essential to officially confirm ownership of your property in Liguria. Especially with high-priced properties, such as a villa for sale with a beautiful pool, it is worth seeking the support of experts to ensure that all legal steps are carried out correctly.
Find your dream home in Liguria now – whether in Alassio with a view of the sea or in a picturesque village like Bordighera, this region offers the perfect solution for every taste.
Financing and mortgages for real estate in Liguria
When purchasing a property, there are various financing options, including the possibility of taking out a mortgage. Italian banks offer mortgages for foreigners and, depending on the bank, the amount of financing usually varies between 60 and 80% of the purchase price. It is advisable to check the current mortgage market and interest rates to find the best option.
There are also differences in the German system compared to Italy. While variable interest rate mortgages are often used in Germany, fixed interest rate mortgages over a long period are very popular in Italy. The Italian tax authorities also offer tax incentives for property owners, such as deductions for renovations, which are often linked to taking out a mortgage.
Another important aspect of financing is the property transfer tax, which in Italy is between 2 and 9% of the purchase price. These taxes can vary depending on the property and whether it is used as a primary or secondary residence. It is important to find out the exact costs involved in purchasing a property to avoid any surprises.
To ensure secure financing, you should work with an experienced real estate agent who will guide you through the entire process. They can help you find the right bank and explain what documents are required to apply for the mortgage so that the purchase of your dream home goes smoothly.
Buying real estate – charming houses and villas
We offer a wide selection of houses and villas for sale, ideal for those seeking relaxation and investors, with properties in La Spezia, Imperia and picturesque villages such as Cervo or Rapallo. Whether you are looking for a house in La Spezia, a beautiful villa in Imperia, or a country house in Cervo or Rapallo, we have the perfect property for you. Many of the properties offer a unique panoramic view of the Ligurian landscape or the sea. Our properties are often equipped with a beautiful pool and offer high living comfort in picturesque villages on the Riviera di Ponente.