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Italian banks typically require that your monthly mortgage payment does not exceed one-third (33%) of your net monthly income. This is the rapporto rata/reddito. Some banks may allow up to 35-40% depending on your situation, but 33% is the standard limit.

You normally need at least 20% of the property price as a deposit (anticipo), since most banks lend up to 80% LTV. First-time buyers under 36 can access the Fondo di Garanzia Prima Casa for higher LTV. On top of the deposit, budget 8-12% for taxes, notary fees, and estate agent commission.

Yes, many Italian banks offer mortgages to non-residents. The process is slower and you may face stricter conditions (lower LTV, higher rates). You will need an Italian tax code (codice fiscale), proof of income, and often a local bank account. Some banks require at least a 30-40% deposit for non-residents.