20.0% del prezzo (LTV: 80.00%)
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 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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