Vela

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

USA         UK        NETHERLANDS        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 Marital Status /Marriage certificate or a document attesting if you are married or single;
  • AIRE registration certificate (Italian citizens residing abroad).
Linea Blu
INCOME DOCUMENTS
SELF-EMPLOYED SALARY-EMPLOYEE
The most recent INDIVIDUAL INCOME TAX RETURN The last INDIVIDUAL INCOME TAX RETURN
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
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.

  • Copy of passport (valid and signed);
  • Council tax or a bill (water/energy/gas...) attesting your current residency 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 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);
  • 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 “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
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)
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.

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.

Online mortgage calculator for month repayments on first/holiday home for individuals or companies.

Mortgage Calculator

Information on the costs of an Italian mortgage: registration fee, origination fee, brokerage costs etc.

MORTGAGE FEES IN ITALY

Here's the list of preliminary questions you can answer to check your Mortgage eligibility. Take the test.

Eligibility Test

WOULD YOU LIKE TO KNOW THE TAX AMOUNT RELATING TO YOUR PURCHASE?

Enter the purchase price: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
VAT
TOTAL FEES
Enter cadastral value: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
TOTAL FEES
Enter cadastral value: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
TOTAL FEES
 
Enter the purchase price: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
VAT
TOTAL FEES