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Property for sale in Lake Como

312 listings

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With swimming pool

With balcony/terrace

1,250,000 €
Total area 220 m²3 bedrooms4 bathrooms
New apartments with sea views in Nice, Cote d'Azur, France

Residence permit

With swimming pool

1,900,000 €
Total area 187 m²Land area: 1,429 m²3 bedrooms3 bathrooms

Discounted properties upon request

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Ksenia Kolesnikova
Ksenia Kolesnikova,
Real Estate Expert

Sea view

830,000 €
Total area 120 m²2 bedrooms2 bathrooms

With balcony/terrace

9,000,000 €
Total area 710 m²Land area: 6,500 m²4 bedrooms5 bathrooms

Furnished

395,000 €
Total area 135 m²3 bedrooms2 bathrooms

With balcony/terrace

1,900,000 €
Total area 200 m²Land area: 2,000 m²5 bedrooms5 bathrooms

With swimming pool

4,000,000 €
Total area 890 m²Land area: 18,210 m²7 bedrooms4 bathrooms

Sea view

420,000 €
Total area 120 m²3 bedrooms3 bathrooms
680,000 €
Total area 180 m²Land area: 200 m²4 bedrooms2 bathrooms

With swimming pool

2,600,000 €
Total area 390 m²Land area: 1,500 m²3 bedrooms2 bathrooms

Sea view

490,000 €
Total area 188 m²4 bedrooms2 bathrooms
1,200,000 €
Total area 250 m²Land area: 1,400 m²3 bedrooms2 bathrooms
6,000,000 €
Total area 1,000 m²Land area: 9,000 m²8 bedrooms6 bathrooms

With balcony/terrace

750,000 €
Total area 150 m²Land area: 250 m²3 bedrooms2 bathrooms

Sea view

1,400,000 €
Total area 200 m²Land area: 800 m²3 bedrooms2 bathrooms
880,000 €
Total area 260 m²Land area: 1,200 m²4 bedrooms3 bathrooms

Sea view

710,000 €
Total area 120 m²2 bedrooms1 bathroom

With balcony/terrace

1,500,000 €
Total area 380 m²Land area: 750 m²4 bedrooms3 bathrooms

With balcony/terrace

2,500,000 €
Total area 480 m²Land area: 1,000 m²4 bedrooms5 bathrooms

With balcony/terrace

8,200,000 €
Total area 515 m²Land area: 2,800 m²5 bedrooms5 bathrooms

With swimming pool

2,950,000 €
Total area 270 m²Land area: 900 m²4 bedrooms3 bathrooms
1-25 of 312 listings, page 1 of 13
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    Anna Kurianovich
    Anna Kurianovich,
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      FAQ about Lake Como

      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 property 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 an apartment in Lake Como?
      • 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 property 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 property in Lake Como?

      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 property?
      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 an apartment in Lake Como?

      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 Como?
      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 Como?
      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.

      The area around Lake Como is known as one of the most beautiful corners of Italy. Located in Lombardy, it starts from the bottom of the Alps near the Italian-Swiss border and runs 48 kilometres southward forming an upside-down Y.

      Owning property for sale on Lake Como is a dream of many for a number of reasons. In addition to the fancy to be an immediate neighbour to a superstar, the majority of people are drawn to this lakeside area thanks to its astounding natural splendour. Lake Como is the third biggest lake in Italy with the others being Lake Maggiore and Lake Garda. With about 145 m2 of serene sky-blue waters, the lake overlooks beautiful mountain ranges and greenwood.

      The area is served by six airports from Lugano on the Swiss side and Milan, Brescia, Verona on that of Italy. Lake Como is also famous for its exquisite combination of Swiss and Italian cultures with a diversified culinary and spirits tradition. Not to mention some other reasons why estate agents never complain about the lack of demand in this place of pristine beauty and unforgettable culture. In spite of the widespread opinion that Lake Como can be home only to multi-millionaires, affordable options can still be found nearly everywhere around it. You would still be able to admire the very same dazzling views as the billionaires in such communes as Laglio and Sorico. For around €500,000 Euros, you can get a beautiful apartment just a few meter walk from the lake in Laglio which is as little as 60 km north of Milan. You can even buy a renovated apartment in Nesso for just €350,000 or well a two-level apartment in Tremezzina for the same price.

      The town of Ossuccio some 20 km north of the lake has plenty of lovely villas for sale. Other locations with awesome prices for detached houses are the comunes of Pianello del Lario, Domaso and the town of Musso. It is not necessary at all to hold a multi-million bank account to own Lake Como real estate.

      A Step-by-step Guide to the Italian property purchase procedure

      1. Making the Offer to Purchase

      Upon finding the property you would like to buy the procedure has to be initiated by making a formal offer to the seller with the real estate agent acting on your behalf and putting forward the offer and placing a deposit, usually totalling 1% of the purchase price or a fixed amount (e.g. €1,000).When the seller accepts the offer, it will be formalised in writing in Italian as well as the buyer’s native language. The next step is to pay the deposit (caparra confirmatoria) to the seller, which results into a legally binding contract. From now on it is impossible for either party to withdraw, and either of them can force the sale or make a claim for damages. When withdrawing the buyer loses the deposit or can receive a double amount deposited if the transaction fails through due to the seller’s fault.

      2. Signing the preliminary agreement

      The second step takes place between 1-3 months after the offer has been accepted, which is signing a formal agreement between the buyer and the seller, a preliminary agreement and containing the sale terms and conditions. It is crucial for you to fully understand the text of the agreement in every detail at this stage. We strongly advise that you hire a professional notary. The paper will include the purchase price, detailed property description including the date of its completion and any obligations rising between the seller and the purchaser, as well as all information concerning the property including the property details, payment terms and schedule as well as mortgage approval. After signing the preliminary agreement, a further deposit has to be paid, this equalling to 10% - 20% of the purchase price. An agent’s fee also has to be paid at this stage.

      3. Signing the Final Deed of Sale

      The buyer must hold an account with an Italian bank in order to complete the purchasing procedure. The signing of the final deed of sale which will make the transfer of the property legal must take place in the notary’s presence. The buyer has the right to select and hire the latter, but the purchase deed will be drafted by a body of individual professionals who will observe the title being legally transferred from the seller to the buyer. The Notary is also responsible for verifying the lawfulness of the documentation and registering the deed with the Conservatoria dei Registri Immobiliari and the Local Land Register.

      4. Observing formalities after the sale completion

      International purchasers must receive a certified copy of the purchase deed which the notary will have submit to the authorities. As a rule, it becomes available to collect around 2 – 3 weeks after the sale completion. The notary usually also gives the buyer a special form to complete for the local authority after informing it on the purchase. The notary will provide assistance in filling the form out. You will need to contact the utilities provider to sign a new utility agreement (electricity, water, phone, gas and so on). When having bought an apartment, the condominium manager must be informed of the fact that the ownership of the property has changed.

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      Ksenia Kolesnikova
      Ksenia Kolesnikova
      Real Estate Expert Tranio in Lake Como
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