How much tax is paid on residential rentals?

Italy has progressive tax rates. If you lease residential real estate on a regular basis you need to declare your total annual rental income every year. If this amount does not exceed € 15,000 per year, it is taxed at 23% plus 2% of the annual rent. If the annual rental income is greater than € 75,000, it is taxed at 43% plus 2% of the total annual rent. However, paying less tax is possible: for example, when registering a rental contract with the cedolare secca option, the tax rate is fixed at 21% of the annual rent. And on a comodato d'uso contract, no tax is paid because this type of agreement implies a temporary provision of housing for free.

What is the house purchase payment process?

According to Italian law, non-residents must open a local bank account and transfer the full property purchase amount to it. In addition, 10% of the deposit must be paid by bank cheque. When the notarial act is issued, the bank will issue a cheque with the remaining amount to the seller.

What documents are required to buy a house in Lake Garda?

Passport; Marriage certificate or premarital agreement; Tax identification code – codice fiscale (on request from an Italian consulate in the applicant's home country or the local tax authorities).

Which regions of Italy offer the cheapest house prices?

It’s possible to buy a one-bedroom apartment for about € 60,000 in the city of Pizzo (Calabria) and from € 105,000 in the region of Abruzzo.

How much does it cost to maintain a house in Lake Garda?

Residential property maintenance costs comprise three parts: tax, utilities, and insurance. Italy introduced a unique communal property tax called imposta unica comunale (IUC) on January 01, 2014. It is calculated on three taxes: Municipal property tax (imposta municipale unica, IMU). It is levied at 0.76% but not on the real estate used as primary residence; Waste tax (TARI) – about € 100; Municipal tax for road maintenance, street lighting, and so on. On average, the tax on an 85 m² apartment is about € 850 per year. As for utility payments, they depend on the property. Anywhere between € 200-5,000 per annum for an apartment, depending on its size, while a villa with a swimming pool will be somewhere between € 1,200-6,000 per annum. The insurance fee depends on a property’s value and usually ranges from € 300-2,000 per annum (usually 1–2% of the property value)

Can Italian citizenship be obtained through buying a house?

Property owners do not automatically become Italian citizens. It is necessary to live in the country for at least 10 years before becoming eligible for citizenship.

Which regions of Italy are the most promising for investing in real estate?

The most advantageous regions in terms of property investment are Lombardy, Piedmont and Liguria thanks to the well-developed infrastructure, which fuels price growth.

What is the process for the transaction closure?

To start, you need to open an Italian bank account and obtain a tax identification code. After that, a deposit is paid to reserve the property. The sum of the deposit is 1% of the purchase amount. Next, a sales agreement is signed. If the transaction closure is particularly time-consuming, a preliminary agreement with a deposit of as much as 10–30% can be signed. The final sales agreement is processed at a notary office. The agreement is also officially registered with Italy’s Real Estate Registration Department. The payment can be made in two ways: by a cheque or via a direct transfer of funds from the buyer’s bank account. After this is sorted, the new owner will receive the keys, sales agreement, and property register extract.

Do foreigners pay the same property taxes as Italians?

Yes, in Italy the taxes for residents and non-residents are the same. If buying a new-build you will have to pay: VAT — 4% of the property value; Fixed registration tax — € 200; Fixed mortgage tax — € 200; Fixed cadastral tax — € 200; For an existing property you will have to pay: Fixed registration tax — 9% of the property value (€ 1,000 at least); Fixed mortgage tax — € 50; Fixed registration tax — € 50. Owners pay a communal tax of up to 10.6%. Income tax for individuals is between 23–43%.

Are there any extra costs related to the purchase of house in Lake Garda?

Yes, in addition to the expenses mentioned above there are a number of additional costs. For example, the payment of notary fees at 2–4% of the property's assessed value. This includes: Cadastral tax and a mortgage instalment – € 50 or € 200 depending on the buyer's residence permit availability; State duty – € 230; property tax – € 24.71; State register inscription fee – € 90; Notary fee – about 1–2.5% (for properties priced between € 300,000-1M the fee is € 5,000-7,000).

Can non-residents obtain a residential mortgage loan in Lake Garda?

Yes, but it is difficult to do so. Non-residents must have lived in Italy for at least two years and in some cases for five years. The income must be euro or dollar -denominated.

What is the process for property title registration in Lake Garda?

Property title registration involves several stages. Firstly, the parties sign the sales agreement at a notary office. The notary then forwards the information to state agencies: tax authority, cadastre chamber office, and registration chamber. The lead time for documents ranges from a few days to three months, depending on the region where the transaction is closed. Only when all of the registration processes are completed does the buyer receive their original documents.

Houses for sale in lake Garda, selection of 97 offers

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Luxury villa surrounded by a beautiful park, with a private pool and Spa overlooking the magnificent Garda Lake, Italy for 3,000,000 €

With swimming pool

Luxury villa surrounded by a beautiful park, with a private pool and Spa overlooking the magnificent Garda Lake, Italy

3,000,000 €

Land area: 7,000 m²4 bedrooms5 bathrooms

Stylish villa with four terraces, lake views, direct access to the water and a private pier, Toscolano Maderno, Lake Garda, Italy for 2,500,000 €

With balcony/terrace

Stylish villa with four terraces, lake views, direct access to the water and a private pier, Toscolano Maderno, Lake Garda, Italy

2,500,000 €

Golden Visa

First-class apartments in a new residential complex, Greece, Athens

From 306,000 €

Completion in: 2023 Floor areas: 87—132 m² Apartments in total: 9

Residential complex

Historic villa with its own pier, Decenzano del Garda, lake Garda, Italy. Price on request

With swimming pool

Historic villa with its own pier, Decenzano del Garda, lake Garda, Italy

Price on request

Total area 420 m²6 bedrooms6 bathrooms

Villa with a big garden close to the lake, San Felice del Benaco, lake Garda, Italy for 6,500,000 €

With swimming pool

Villa with a big garden close to the lake, San Felice del Benaco, lake Garda, Italy

6,500,000 €

Total area 628 m²Land area: 2,300 m²5 bedrooms6 bathrooms

Magnificent villa with a stunning views of the bay and the port of Padenge, Garda, Italy for 2,300,000 €

With swimming pool

Magnificent villa with a stunning views of the bay and the port of Padenge, Garda, Italy

2,300,000 €

Total area 400 m²5 bedrooms5 bathrooms

Modern villa under construction enjoying beautiful lake views, lake Garda, Italy for 1,500,000 €

With swimming pool

Modern villa under construction enjoying beautiful lake views, lake Garda, Italy

1,500,000 €

Total area 300 m²Land area: 1,000 m²3 bedrooms4 bathrooms

EU residence permit for purchase of real estate in Spain and Greece

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New luxury villa with a beautiful garden, swimming pool and beautiful lake views, Desenzano del Garda, Italy for 3,500,000 €

With swimming pool

New luxury villa with a beautiful garden, swimming pool and beautiful lake views, Desenzano del Garda, Italy

3,500,000 €

5 bedrooms5 bathrooms

Beautiful villa with a view of the lake, terraces and a garage in one of the most prestigious areas of Desenzano del Garda, Italy for 1,300,000 €

With balcony/terrace

Beautiful villa with a view of the lake, terraces and a garage in one of the most prestigious areas of Desenzano del Garda, Italy

1,300,000 €

4 bedrooms4 bathrooms

Spacious villa with a private garden, swimming pools, a garage, terraces and a Lake view, Salo, Italy for 1,980,000 €

With swimming pool

Spacious villa with a private garden, swimming pools, a garage, terraces and a Lake view, Salo, Italy

1,980,000 €

4 bedrooms6 bathrooms

Spectacular villa with a pool close to the lake, Desenzano del Garda, lake Garda, Italy for 6,500,000 €

With swimming pool

Spectacular villa with a pool close to the lake, Desenzano del Garda, lake Garda, Italy

6,500,000 €

Total area 990 m²Land area: 3,000 m²5 bedrooms7 bathrooms

Villa – San Felice del Benaco, Lombardy, Italy for 5,800,000 €

With balcony/terrace

Villa – San Felice del Benaco, Lombardy, Italy

5,800,000 €

Total area 500 m²Land area: 2,000 m²3 bedrooms4 bathrooms

Villa – Bardolino, Veneto, Italy for 1,850,000 €

With swimming pool

Villa – Bardolino, Veneto, Italy

1,850,000 €

Total area 388 m²Land area: 3,200 m²4 bedrooms4 bathrooms

Villa – Gardone Riviera, Lombardy, Italy for 15,000,000 €

With swimming pool

Villa – Gardone Riviera, Lombardy, Italy

15,000,000 €

Total area 950 m²Land area: 10,000 m²5 bedrooms5 bathrooms

Luxury villa with swimming pool and guest house on Lake Garda, Lombardy, Italy. Price on request

Pool / Guest house

Luxury villa with swimming pool and guest house on Lake Garda, Lombardy, Italy

Price on request

Total area 690 m²Land area: 480 m²5 bedrooms5 bathrooms

3 weeks ago

Luxury villa with swimming pool on Lake Garda, Lombardy, Italy. Price on request

Pool / SPA zone

Luxury villa with swimming pool on Lake Garda, Lombardy, Italy

Price on request

Total area 555 m²Land area: 267 m²4 bedrooms4 bathrooms

3 weeks ago

Luxurious villas with large outdoor spaces in Sirmione for 595,000 €

Luxurious villas with large outdoor spaces in Sirmione

595,000 €

Total area 111 m²Land area: 31 m²1 bedroom2 bathrooms

Three-storey villa with terraces and a panoramic view of the lake in a residence with a large swimming pool, Toscolano-Maderno, Italy for 1,395,000 €

With swimming pool

Three-storey villa with terraces and a panoramic view of the lake in a residence with a large swimming pool, Toscolano-Maderno, Italy

1,395,000 €

3 bedrooms2 bathrooms

2 months ago

New three-storey villa with lake views in Padenga sul Garda, Italy for 3,700,000 €

With swimming pool

New three-storey villa with lake views in Padenga sul Garda, Italy

3,700,000 €

Total area 400 m²Land area: 2,500 m²4 bedrooms3 bathrooms

Luxury villa with a park, a pool, a balcony and a view of the Lake and mountains, Salo, Italy for 2,050,000 €

With swimming pool

Luxury villa with a park, a pool, a balcony and a view of the Lake and mountains, Salo, Italy

2,050,000 €

3 bedrooms4 bathrooms

Beautiful villa with a lake view in Padenghe sul Garda, Lombardy, Italy for 3,500,000 €

Beautiful villa with a lake view in Padenghe sul Garda, Lombardy, Italy

3,500,000 €

4 bedrooms3 bathrooms

Exquisite two-storey villa with a lake view in Padenghe sul Garda, Lombardy, Italy for 3,700,000 €

Exquisite two-storey villa with a lake view in Padenghe sul Garda, Lombardy, Italy

3,700,000 €

4 bedrooms5 bathrooms

Villa overlooking the Lake and mountains, with a garden, a swimming pool and a garage, San Felice del Benaco, Lombardy, Italy for 1,200,000 €

With swimming pool

Villa overlooking the Lake and mountains, with a garden, a swimming pool and a garage, San Felice del Benaco, Lombardy, Italy

1,200,000 €

2 bedrooms2 bathrooms

Villa on the lake with a yacht pier, Padengue sul Garda, Italy for 6,750,000 €

With swimming pool

Villa on the lake with a yacht pier, Padengue sul Garda, Italy

6,750,000 €

Total area 750 m²Land area: 3,000 m²7 bedrooms6 bathrooms

Villa with a garden, a swimming pool and a lake view, Desenzano del Garda, Brescia, Italy for 1,300,000 €

With swimming pool

Villa with a garden, a swimming pool and a lake view, Desenzano del Garda, Brescia, Italy

1,300,000 €

Land area: 1,000 m²3 bedrooms3 bathrooms

Luxury three-storey villa with a guest house, a park and a swimming pool directly in front of the lake, Sirmione, Italy for 7,390,000 €

With swimming pool

Luxury three-storey villa with a guest house, a park and a swimming pool directly in front of the lake, Sirmione, Italy

7,390,000 €

Total area 650 m²Land area: 4,000 m²4 bedrooms4 bathrooms

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Houses for sale in Lake Garda