20.0% del prezzo (LTV: 80.00%)
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Rata Mensile
1001,25 €
Importo Mutuo
200.000,00 €
LTV
| Anno | Capitale | Interessi | Debito Residuo |
|---|---|---|---|
| 1 | 5096,24 € | 6918,76 € | 194.903,76 € |
| 2 | 5277,49 € | 6737,51 € | 189.626,27 € |
| 3 | 5465,20 € | 6549,80 € | 184.161,07 € |
| 4 | 5659,58 € | 6355,42 € | 178.501,49 € |
| 5 | 5860,87 € | 6154,13 € | 172.640,62 € |
Italian banks typically lend up to 80% of the property value. First-time buyers under 36 can access the Fondo di Garanzia Prima Casa, which guarantees up to 80% of the loan and can help you get up to 100% LTV. You will still need money for taxes and notary fees.
When buying your first home (prima casa), you pay a reduced registration tax of 2% of the cadastral value (or 4% VAT if buying from a developer). For second homes, the rates are 9% registration tax or 10% VAT. You also pay a fixed notary fee and mortgage registration tax.
Yes, for your primary residence you can deduct 19% of the mortgage interest from your IRPEF, up to a maximum of EUR 4,000 per year. This means a maximum tax saving of EUR 760 per year. The deduction only applies to your prima casa.
Note: This calculator shows standard annuity mortgage repayments. Actual rates and conditions depend on the bank and your credit profile. Consult a mutuo advisor.
Disclaimer: This calculator provides estimates based on current Agenzia delle Entrate rates and thresholds for the 2026 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 commercialista or tax adviser before making financial decisions. Read our terms
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