Other loan payments, alimony, etc.
Max Prezzo Immobile
40.574 €
Max Mutuo
10.574 €
Rapporto Rata/Reddito
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.
Note: This is an estimate. Your actual borrowing power depends on your bank, employment type, credit history, and other factors. Always consult your bank or a mutuo broker.
Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms
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