That will be confirmation of income for mortgage in Italy?
Ilya Sh asks:
Good day!
I wanted to ask about buying real estate in Italy a mortgage.
What proof of income (and its legality) for the Bank?
1) this year we sold the apartment in Moscow for 150 thousand euros.
2) I am a business owner, there is an official dividends, about 100 thousand euros in the last two years
3) And the firm's CEO, the salary of 3 thousand Euro/month
What can be seen and the forms of certificates/confirmations needed?
I wanted to ask about buying real estate in Italy a mortgage.
What proof of income (and its legality) for the Bank?
1) this year we sold the apartment in Moscow for 150 thousand euros.
2) I am a business owner, there is an official dividends, about 100 thousand euros in the last two years
3) And the firm's CEO, the salary of 3 thousand Euro/month
What can be seen and the forms of certificates/confirmations needed?
Expert answers (1)
(Casa Nostra)
Hello!
When requesting a mortgage loan from a bank, you must provide the following documents:
- a copy of the passport;
- CODICE FISCALE - the tax code, an analogue of the Russian INN, is issued within a few minutes at the tax office (Agenzia delle Entrate) in any city in Italy or at the Italian consulate abroad (all real estate agencies provide assistance in its registration for free).
- documents confirming the existence of your own business, if any,
- certificate from the place of work (if you are employed),
- payroll,
- income declaration,
- tax payment certificate,
- information about existing bank accounts,
- movement of funds in bank accounts (account statement).
All documents must be translated into Italian and certified by the Italian Consulate.
Since banks are now very careful about lending to non-European citizens, the bank may also ask for a certificate of family composition, alimony payments, etc.
When requesting a mortgage loan from a bank, you must provide the following documents:
- a copy of the passport;
- CODICE FISCALE - the tax code, an analogue of the Russian INN, is issued within a few minutes at the tax office (Agenzia delle Entrate) in any city in Italy or at the Italian consulate abroad (all real estate agencies provide assistance in its registration for free).
- documents confirming the existence of your own business, if any,
- certificate from the place of work (if you are employed),
- payroll,
- income declaration,
- tax payment certificate,
- information about existing bank accounts,
- movement of funds in bank accounts (account statement).
All documents must be translated into Italian and certified by the Italian Consulate.
Since banks are now very careful about lending to non-European citizens, the bank may also ask for a certificate of family composition, alimony payments, etc.
4.11.2013
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