objects on credit

Question

objects on credit

Levon asks:

Good day! Please, what facilities do you offer at the moment on the terms of the mortgage. Interested in apartments in the range of up to 350 000 Euro, in the region of Tuscany or the lakes (Garda, Maggiore)
Thank you! Sincerely, Levon.

09.10.2013

ITALY. Consultation

Mortgage, lending

Expert answers (8)

Julia Titova (RENTSALE) · Answer 1 · 2013-10-09T14:42

Dear Levon!

The most favorable conditions are mortgages that offer real estate developers, bank loans enjoyed during construction. In the course of purchase and sale transactions are part of its own restructure the bank loan to the buyer (who may be a non-resident), ideally maintaining the conditions issued by the bank itself to the developer (who is a resident). On the lakes of little objects, but they are. For specific information and detailed consultation are ready to provide our office, by phone or by e-mail.

Yours faithfully,
Julia Titova

Elena Lapina (Casa Nostra) · Answer 2 · 2013-09-25T15:43

Dear Levon,
In this price range you can offer a wide choice of properties on Lake Garda and the Dolomites.
The minimum price for a new three-room apartment near the Garda: living room, kitchen, two bedrooms, bathroom, garage and a small garden or terrace 6 condominium apartment building 180.000 Euro.
Funding for 50% of the cost of purchased object.

Another of acquisition opportunities properties in Italy for those who have a good monthly income, but at the time of purchase does not have enough money to complete the transaction - rent with option to buy.
In this case, the parties conclude a lease which includes the clause which stipulates the terms in which the lessee is obliged to acquire property in the property.
When calculating the amount of rent taken into account the following parameters:
- Rent is higher than the average market rate for similar properties in 1,5 times.
- The interest rate is practiced at the time of the transaction the average floating rate mortgage.
- The rent should not exceed 33% of the monthly income of the tenant.
Advantages for the buyer:
- At the time of purchase of real estate you buy property at a price of frozen today.
- The money paid for the rental will not be wasted, but will be used to repay part of the cost of the apartment.
- Reduce the amount you'll have to pay when you make a purchase, and, in the case if it is necessary to make out a mortgage, you will save considerably on interest.
- To conclude the contract of lease is required much less time than drawing up the agreement of purchase and sale.
- You will be able to use the property long before it goes into your full property.

Many of the proposed on our site residential and commercial properties can be sold under the contract "rent with option to buy."

with respect,
Elena Lapina

Sergey Anikeev (Arcasa Group) · Answer 3 · 2013-09-12T16:20

Levon, good afternoon. We can offer complex in Tuscany and other options, see. On our website.

C respect
Sergey Anikeev

Anton Parygin (Sea View Properties) · Answer 4 · 2013-09-12T12:39

Dear Levon! We can offer you apartments in a luxury complex of 12 apartments in Tuscany (Province Lucca). Apartment with 2 bedrooms and 2 bathrooms, an area of

Ludmila Zelinskaya (Broker Italy Communication LTD) · Answer 5 · 2013-09-10T19:52

Dear Levon, hello!
We can offer apartments for 2-3 bedrooms in a new residential complex with swimming pool on Lake Garda. Loan amount up to 50% of the value of the acquired property, the interest rate of 5-5,1% .After the whole package of documents required response lending no more than 2 weeks.
All the necessary documents and a list of additional information will send to Your mail.

Sincerely, Lyudmila Zielinska
Broker Italy Communication Ltd

Margarita Tretyakova · Answer 6 · 2013-09-10T15:37

Dear Levon! On our site you can see objects on Lake Garda you specified price range. Under any object, you can request a credit in the bank. As a rule, banks are given credit for 60%, in rare cases, 70% of the cost. The decision on lending conditions and the bank takes in each case individually, depending on your collected files. We provide all the necessary services for the selection of real estate, including Lake Garda, and a loan receivable.
Yours faithfully,
Yuliya

Alexey Yakovlev (Адрионика) · Answer 7 · 2013-09-10T15:35

Good day, Levon

The crisis has seriously undermined the mortgage loans in Italy.
Currently, there was one bank that is willing to continue to lend to non-residents. It is the bank of Lake Como.
The Bank finances up to 60% of the value of the property at approximately 4% per annum (floating rate).

Required documents:

Personal income:

1. Printing the last 4 salaries.

2. A copy of the employment contract (contract), or a statement of the employer.

3. Information on personal income for 2012 (PIT-2)

4. For owners of businesses - 2 last annual balance

personal:

1. passport

2. The fiscal code (Codice Fiscale) - we do in Italy, the customer passport.

3. Bank statement for the last 4-5 months (account movements)

4. A letter of recommendation from a customer of the bank.

5. The purchase / sale documents confirming the availability of the securities, shares and investments.

6. Documents confirming the ownership of real estate in Russia, and if there is a mortgage, then a copy of the final payment on the loan. If the property is leased, the lease contract.

7. Documents on other loans and recurring payments from your bank account (tuition fees, investment fees, etc.)

All documents must be translated into Italian and certified by the Italian Embassy (consulate) in Russia or apostilled.

I am pleased to send you e-mail offers for apartments in Lake Como, respectively, if you let us know e. mail.

Yours faithfully,
Elena Nevskaya

Natalija Adamovic (Abeni immobiliare) · Answer 8 · 2013-09-10T15:21

Dear Mr. Levon,
With regard to the proposed budget 350.000,00 (excluding agency costs, notary, taxes) on Lake Garda or Lake Maggiore, we have the largest database of proposals. If you enter your e-mail to me. address, I will send you some options of real estate, as well as all the information which is specified what is necessary to submit the documents to the Italian bank for a mortgage request.
Yours faithfully,
Natalia Adamovich