To start the process of buying property in Italy as a foreigner, the main document you need is a valid foreign passport.

For the final purchase transaction, you will also need an Italian tax code, called codice fiscale. In most cases, the notary and the real estate agency will also require the buyer’s personal details to prepare the purchase documents correctly.

If you are planning to buy safely and avoid legal risks, we recommend reading our guide: How to Safely Buy Real Estate in Italy.

You can also learn more about each stage of the transaction in our article: Process of buying property in Italy.

The codice fiscale can be obtained through an Italian consulate in your country or from an Agenzia delle Entrate office in Italy.

Yes. To buy real estate in Italy, you need to obtain a codice fiscale, which is the Italian tax code required for property transactions, contracts, tax payments, and notarial documents.

In addition, foreign buyers usually open an account in an Italian bank to complete the payment procedure correctly. This is especially important because property payments in Italy are commonly made by bank checks issued in the name of the seller and the notary.

Our agency helps clients obtain the codice fiscale, open an Italian bank account, and prepare the necessary documents for the purchase.

You can read more about the full buying procedure here: Process of buying property in Italy.

If you are also considering long-term living in Italy after the purchase, you may find this article useful: How to Obtain a Residence Permit in Italy / Permesso di Soggiorno.

To pay for the purchase of an apartment in Italy, the buyer usually opens an account in an Italian bank and transfers the purchase funds to this account before the final notarial deed.

At the signing of the transaction, payment is usually made with bank checks:

• A check in the name of the seller for the property price.

• A check in the name of the notary for taxes, notary fees, and related purchase costs.

This payment structure makes the transaction transparent and secure for both the buyer and the seller.

Before purchasing, it is also useful to understand the local market and typical property prices. You can read more here: Property prices in Scalea.

For a detailed explanation of the transaction stages, see our guide: Process of buying property in Italy.

Purchase taxes depend on the seller, the type of property and whether the home qualifies as your primary residence. Registration, mortgage and cadastral taxes normally apply, while VAT can apply to some purchases from a company. After completion, IMU may apply depending on the property's use and classification, and TARI covers waste services. Notary, agency and legal costs are separate. Ask the notary or a qualified tax adviser for a written estimate for the specific property before signing.

Agency commission is agreed with the agency and can vary with the property and the services included. VAT may be added to the quoted fee. Before making an offer, request a written engagement or fee statement that explains the percentage or fixed amount, when it becomes payable and which services are included.

Many non-EU citizens can buy property in Italy, but eligibility can depend on reciprocity rules, international agreements or the buyer's residence status. Buying a property does not automatically grant a visa or residence permit. Have the notary verify your eligibility and documents before paying a non-refundable deposit.

Living costs depend on the size and condition of the home, the season and personal habits. Plan for utilities, condominium charges where applicable, waste charges, insurance, transport and routine maintenance in addition to food and other daily expenses. Ask for recent bills and condominium statements for a property-specific budget.

A purchase can take from several weeks to several months. Timing depends on document checks, cadastral and planning compliance, financing, negotiations and the notary's schedule. The proposal and preliminary contract should use realistic deadlines and make any required financing or document conditions explicit.

Some Italian banks offer mortgages to foreign and non-resident buyers, but approval, loan-to-value and documentation are assessed case by case. Income, tax residence, currency and credit history can affect the decision. Seek an early assessment and do not assume financing is approved until the bank confirms it in writing.

In many cases you can rent out the property, subject to national, regional and municipal rules, condominium regulations and the property's legal status. Contracts, guest registration, tax reporting and any tourist identification code must be handled correctly. Confirm the current requirements with a local professional before advertising the property.

Allow for routine repairs, utilities, insurance, waste charges and any condominium fees. Older buildings, gardens, terraces and homes near the sea can require additional maintenance. Review recent condominium accounts, planned major works and the technical inspection before setting an annual reserve.

It may be possible to complete some or all steps through a special power of attorney accepted by the Italian notary. The document may need notarisation, an apostille or legalisation and an Italian translation, depending on where it is signed. Agree the wording and identity checks with the notary before arranging it.