DOCUMENTS REQUIRED TO APPLY FOR AN ITALIAN MORTGAGE

Main documents required to apply for a Mortgage in Italy. Applicants with foreign income and residing abroad.

• USA
• UK
• NETHERLANDS
• SWITZERLAND
• GERMANY
• IRELAND
• FRANCE
• BELGIUM
• OTHER COUNTRIES

USA

This list is given for guidance only, each case may require further documentation.

PERSONAL DOCUMENTS

• Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
• Certificate of residence or utility bill (water/energy/gas...) confirming address;
• Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
• Copy of Marital Status /Marriage certificate or a document attesting if you are married or single;
• AIRE registration certificate (Italian citizens residing abroad).

INCOME DOCUMENTS

SELF-EMPLOYED	SALARY-EMPLOYEE
The most recent INDIVIDUAL INCOME TAX RETURN (Form 1040)	The last INDIVIDUAL INCOME TAX RETURN (Form W2)
Your EIN - Employer Identification Number	The last 6 payslips (referring to the last 6 Months)
Bank statements from the last 12 months (showing the list of transactions, the bank' s name and the account holder)	Bank statements from the last 12 months (showing the list of transactions, the bank' s name, the account holder and the salary deposit)
Credit report (Equifax, Experian etc.), where your credit score is visible (Official name of the document varies – it should indicate the creditworthiness of the client, sometimes with a score.)	Credit report (Equifax, Experian etc.), where your credit score is visible (Official name of the document varies – it should indicate the creditworthiness of the client, sometimes with a score.)
Proof of savings to be used for the purchase	Employment contract
Personal Financial Statement	Proof of savings to be used for the purchase

IMPORTANT NOTE

Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.

UK

This list is given for guidance only, each case may require further documentation.

PERSONAL DOCUMENTS

• Copy of passport (valid and signed);
• Council tax or a bill (water/energy/gas...) attesting your current residency address;
• Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
• Copy of Marital Status /Marriage certificate or a document attesting if you are married or single;
• AIRE registration certificate (Italian citizens residing abroad);

INCOME DOCUMENTS

SELF-EMPLOYED	SALARY-EMPLOYEE
The most recent tax return (confirming your total income for the previous year – in particular the page “View your calculation”)	The most recent personal tax return (confirming your total income for the previous year – in particular the page “View your calculation”)
VAT CERTIFICATE (issued by HM Revenue & Customs) showing your VAT registration number	The last 6 payslips (referring to the last 6 Months)
Bank statements for the last 12 months (showing the list of transactions, the bank' s name and the account holder)	Bank statements for the last 12 months (showing the list of transactions, the bank' s name, the account holder and the salary deposit)
Credit report (Equifax, Experian etc.), where your credit score is visible (Official name of the document varies – it should indicate the creditworthiness of the client, sometimes with a score.)	The last P60
Proof of savings to be used for the purchase	Employment contract
	Credit report (Equifax, Experian etc.), where your credit score is visible (Official name of the document varies – it should indicate the creditworthiness of the client, sometimes with a score.)
	Proof of savings to be used for the purchase

IMPORTANT NOTE

Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.

NETHERLANDS

This list is given for guidance only, each case may require further documentation.

PERSONAL DOCUMENTS

• Copy of passport (valid and signed);
• Uittreksel uit de basisregistratie persoonsgegevens” Form, updated to the last 6 (six) months
• Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale)
• Copy of Marital Status /Marriage certificate or a document attesting if you are married or single;
• AIRE registration certificate (Italian citizens residing abroad).

INCOME DOCUMENTS

SELF-EMPLOYED	SALARY-EMPLOYEE
The most recent personal tax return “aangiftebiljet” (a document attesting your total incomes of the previous year issued by Belastingdienst).	The most recent personal tax return “aangiftebiljet” (a document attesting your total incomes of the previous year issued by Belastingdienst).
Bank statements from the last 12 months (showing the list of transactions, the bank' s name and the account holder)	The most recent 6 payslips (referring to the last 6 months)
Credit report (Equifax, Experian etc.), where your credit score is visible (it could be named differently from a Country to another. It is a document showing and resuming your creditworthiness. Sometimes a score is assigned. This document is issued by BKR in Netherlands)	Your last Jaaropgaaf
Proof of savings to be used for the purchase	Bank statements from the last 12 months (showing list of transactions, bank' s name, account holder and salary deposit)
	Employment contract (i.e. MODEL-WERKGEVERSVERKLARING)
	Credit report (BKR), where your credit score is visible (it could be named differently from a Country to another. It is a document showing and resuming your creditworthiness. Sometimes a score is assigned. This document is issued by BKR in Netherlands)
	Proof of savings to be used for the purchase

IMPORTANT NOTE

Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.

SWITZERLAND

This list is given for guidance only, each case may require further documentation.

PERSONAL DOCUMENTS

• Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
• Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
• Certificate of residency or a document issued by the municipality where you are resident, which certifies the residence address, updated to the last 6 (six) months;
• Certificate of Origin (for Swiss citizens) updated to the last 6 (six) months;
• Marriage certificate or a document attesting if you are married or single;
• AIRE registration, for Italian citizens resident abroad (if enrolled in the list);

INCOME DOCUMENTS

SELF-EMPLOYED	SALARY-EMPLOYEE
The last tax return (i.e. model “Decisione di Tassazione valid for Lugano)	The last salary certificate
The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder)	The last tax return (i.e. model “Decisione di Tassazione valid for Lugano)
Personal Credit Report (IKO, ZEK…), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness. Sometimes a score is assigned	The last 6/12 payslips (referring to the last 6 months)
Bank statement with proof of the savings you would like to invest in the purchase	The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder and the salary deposit)
	Employment contract or employment confirmation letter
	Personal Credit Report (IKO, ZEK…), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness. Sometimes a score is assigned
	Bank statement with proof of the savings you would like to invest in the purchase

IMPORTANT NOTE

Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.

GERMANY

This list is given for guidance only, each case may require further documentation.

PERSONAL DOCUMENTS

• Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
• Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
• Meldebestätigung to certify your residence address updated to the last 6 months;
• Marriage certificate or a document attesting if you are married or single;
• AIRE registration, for Italian citizens resident abroad (if enrolled in the lists);

INCOME DOCUMENTS

SELF-EMPLOYED	SALARY-EMPLOYEE
The last Hauptvordruck ESt 1 A - Einkommensteuererklärung	The last Lohnsteuerbescheinigung
The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder)	The last Hauptvordruck ESt 1 A - Einkommensteuererklärung
Personal Credit Report (Schufa), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness	The last 6/12 payslips (referring to the last 6 months)
Bank statement with proof of the savings you would like to invest in the purchase	The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder and the salary deposit)
	Employment contract or employment confirmation letter
	Personal Credit Report (Schufa), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness
	Bank statement with proof of the savings you would like to invest in the purchase

IMPORTANT NOTE

Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.

IRELAND

This list is given for guidance only, each case may require further documentation.

PERSONAL DOCUMENTS

• Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
• Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
• A bill we can use to certify your residence address updated to the last 6 months;
• Marriage certificate or a document attesting if you are married or single;
• AIRE registration, for Italian citizens resident abroad (if enrolled in the lists);

INCOME DOCUMENTS

SELF-EMPLOYED	SALARY-EMPLOYEE
The last tax return (model Paye/USC Statement of Liability for the Tax Year xxxx)	The last Employment Detail Summary
The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder)	The last tax return (model Paye/USC Statement of Liability for the Tax Year xxxx)
Personal Credit Report (Equifax, Experian, Central Credit Register Credit Report), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness	The last 6/12 payslips (referring to the last 6 months)
Bank statement with proof of the savings you would like to invest in the purchase	The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder and the salary deposit)
	Employment contract or employment confirmation letter
	Personal Credit Report (Equifax, Experian, Central Credit Register Credit Report), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness
	Bank statement with proof of the savings you would like to invest in the purchase

IMPORTANT NOTE

Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.

FRANCE

This list is given for guidance only, each case may require further documentation.

PERSONAL DOCUMENTS

• Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
• Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
• The last Taxes Foncières to certify your residence address;
• Marriage certificate or a document attesting if you are married or single;
• AIRE registration, for Italian citizens resident abroad (if enrolled in the lists);

INCOME DOCUMENTS

SELF-EMPLOYED	SALARY-EMPLOYEE
The last Impôt sur les revenus	The last Impôt sur les revenus
The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder)	The last 6/12 payslips (referring to the last 6 months)
Statement of the “Fichier de la Banque de France” (can be requested at the following link)	The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder and the salary deposit)
Bank statement with proof of the savings you would like to invest in the purchase	Employment contract or employment confirmation letter
	Statement of the “Fichier de la Banque de France” (can be requested at the following link)
	Bank statement with proof of the savings you would like to invest in the purchase

IMPORTANT NOTE

Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.

BELGIUM

This list is given for guidance only, each case may require further documentation.

PERSONAL DOCUMENTS

• Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
• Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
• A copy of the “Attest Van Hoofdverblijfplaats” to confirm your residence address;
• A copy of the “Attest Van Gezinssamenstelling” to confirm the composition of your family unit;
• Marriage certificate or copy of the “Attest Van Wettelijke Samenwoning”;
• AIRE registration, for Italian citizens resident abroad (if enrolled in the lists);

INCOME DOCUMENTS

SELF-EMPLOYED	SALARY-EMPLOYEE
The last tax return	The last salary certificate
The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder)	The last complete tax return
Personal Credit Report where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness	The last 6/12 payslips (referring to the last 6 months)
Bank statement with proof of the savings you would like to invest in the purchase	The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder and the salary deposit)
	Employment contract or employment confirmation letter
	Personal Credit Report where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness
	Bank statement with proof of the savings you would like to invest in the purchase

IMPORTANT NOTE

Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.

OTHER COUNTRIES

This list is given for guidance only, each case may require further documentation.

PERSONAL DOCUMENTS

• Copy of passport (valid and signed);
• Certificate of residence or utility bill (water/energy/gas...) confirming address;
• Copy of Marital Status /Marriage certificate or a document attesting if you are married or single;
• AIRE registration certificate (Italian citizens residing abroad);

INCOME DOCUMENTS

SELF-EMPLOYED	SALARY-EMPLOYEE
The most recent personal tax return (or a document attesting your total income in the previous year)	The most recent tax return (or a document attesting your total income of the previous year)
Bank statements from the previous 12 months (showing list of transactions, bank’s name and account holder)	Bank statements from the previous 12 months (showing list of transactions, bank’s name, account holder and the salary deposit)
Personal Credit Report (Equifax, Experian etc...), where your credit score is visible. This document has different names in each country – it shows an individual’s creditworthiness, sometimes with a score.	Employment contract
VAT registration number (if issued)	The last 6 payslips (referring to the last 6 months)
Company Registration Report (if issued)	Personal Credit Report (Equifax, Experian etc...), where your credit score is visible. This document has different names in each country – it shows an individual’s creditworthiness, sometimes with a score.
Professional Register Certificate (if issued)	Proof of savings to be used for the purchase
Proof of savings to be used for the purchase

IMPORTANT NOTE

Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.