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Italian problems: Driving seven hours (in a heatwave) to sign a form

What do you do when you find yourself in the kind of infuriating situation that could only ever happen in Italy?

Italian problems: Driving seven hours (in a heatwave) to sign a form
Photo: DepositPhotos

It’s not news to anyone that Italian bureaucracy is tediously slow, and frequently malfunctions. But this week, a set of particularly Italian circumstances converged to leave me wondering, just briefly, why I ever thought moving to Italy was a good idea in the first place.

“No, we can’t send the form by courier. You have to come in person”.

On the phone, the Italian bank employee had sounded extremely bored.

I took a deep breath. “But we’re seven hours away and I’m working. Can we make an appointment to come next week?”

“No, we’ll be on holiday. Until September.”

“What, everyone? The whole bank?”

“It’s August,” he said, as if this was self-explanatory.

It was actually July 23rd but, like pretty much everyone else in Italy, this particular bank employee seemed to have already mentally checked out for the summer holidays. The extreme heat probably wasn’t helping.

“If you can’t come this week then we’ll just start the application process in September,” he said, sounding as if he was ready to nap.

I seethed inwardly, having already explained several times that we were in a rush to arrange the mortgage, as my husband’s work had just transferred him to the other side of Italy – from Tuscany back to his home city of Bari – at very short notice. Repeating this information again seemed unlikely to rouse this bank employee.

We considered switching banks, but we’d already spent weeks having meetings and getting our documents in order, and we needed to get the process rolling before our notary, too, went on a long summer holiday.

There was nothing else for it.

We were soon checking the traffic conditions for the long drive to visit this particular regional bank in Puglia. The motorways were busy with it being peak summer travel season. Checking the train schedules we remembered that today, of all days, there was a national rail strike.

He briefly considered trying the train anyway – a nine-hour journey at the best of times – until he remembered it was also 38 degrees outside.

We had found ourselves stuck with a perfect storm of bureaucracy, strikes, traffic, long summer holidays and insufferable heat, with some bad customer service thrown in.  I wondered: could this situation be any more Italian?

I made an ill-tempered comment about how “nothing works in this country”; and got a very characteristic response from my southern Italian husband. A broad smile and a shrug.

“No problem,” he told me repeatedly as he jumped into the car this morning, ready to set off on his seven-hour solo journey under the blazing sun.

“Things do function here, in their own way,” he told me brightly, not for the first time.

Italians may famously get worked up over certain important things (you know, like food) but when it comes to bureaucracy, the consensus seems to be “what’s the point in worrying?”.

After all, getting mad about bureaucracy in Italy would be about as useful as shaking your fist at the sky when it rains.

And maybe I’m slowly coming around to this way of thinking, or maybe I’m just too hot to care, but I know he’s right. This situation is annoying, it’s stressful, it’s ridiculous, it’s sweaty, and it’s oh so very Italian, but it’s not that big a deal in the grand scheme of things. And it’s definitely not worth getting upset over.

All of this was a reminder that the only way I’ll be able to cope with living permanently in Italy is to totally revise any expectations of how things “should” work, and adjust my mindset accordingly. And maybe go and open a bottle of wine.

Nessun problema?

I’m working on it.

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PROPERTY

Five pitfalls to watch out for when buying an old house in Italy

Tempted to snap up a little slice of Italy at a bargain price? The older the house, the more potential issues you'll need to be aware of.

Five pitfalls to watch out for when buying an old house in Italy

Italians themselves may have very little interest in buying or fixing up Italy’s many unwanted old houses, but international visitors are often swept away by the charm of these rustic buildings in romantic settings.

It’s easy to see why. The quirky structures, period details, and picturesque surroundings – not to mention low asking prices – inspire countless people worldwide every year to investigate buying an Italian home of their own, often as an investment or retirement property.

MAP: Where in Italy can you buy homes for one euro?

International interest in cheap Italian property has only intensified in recent years, with dozens of idyllic villages advertising ‘one euro’ homes and other low-cost property offers aimed specifically at foreigners.

Savvy buyers are aware that non è tutto oro quel che luccica (all that glitters is not gold), and quickly realise that these long-neglected buildings really cost somewhat more than one euro to buy and renovate. Still, some of The Local’s readers tell us these offers are worth taking advantage of.

But whether you’re looking at spending a couple of thousand euros or much more on your dream Italian property, there’s always a lot to consider – including some issues that you’re unlikely to experience when buying a home in your home country.

These unexpected issues can turn the Italian dream into a bit of a nightmare, and sometimes lead to buyers having to abandon a purchase, losing money in the process.

But if you’re aware of potential pitfalls in advance, you’re far more likely to be able to complete the purchase process with no major problems at all.

Property taxes and fees

Of course you’ll be expecting tax as part of the property purchase process, but Italian property taxes are particularly steep.

Experts say the total cost of buying in Italy will add approximately ten percent to the purchase price, and advise prospective buyers to budget accordingly.

There’s stamp duty, which is between two and nine percent of the cadastral value (valore catastale) of the property, with a minimum threshold of €1,000 even on the cheapest homes. Plus VAT at four or ten percent, land registry tax, and, if applicable, mortgage tax.

You can also expect to pay between one and five percent of the purchase price as a fee to the estate agent. In Italy agents work for both the buyer and seller – and collect compensation from both parties once the deal is done.

Then you’ll likely need a couple of thousand euros for the notary, plus a similar fee for any other agents you use, such as a mortgage broker, plus legal fees if a lawyer is involved.

See more about the ‘hidden’ costs of buying property as a foreigner in Italy.

Bickering relatives

It may sound unbelievable to non-Italians, but it’s not unusual to find that even the smallest old properties, or parts of them, are legally divided up between dozens of family members due to Italy’s inheritance rules.

One buyer The Local spoke to found herself having to deal with 22 people, all relatives, who each turned out to own a share of a small property she was buying in Mussomeli, Sicily; one of the first places in the country to sell off old properties for a euro.

Toti Nigrelli, the mayor of Mussomeli, said “having to negotiate the sale with multiple owners” was normal.

While this buyer impressively managed to negotiate the deal with all 22 parties, in many cases similar sales fall through because relatives – distant cousins, great-aunts, long-lost nephews – are often not on good terms, disagree over the sale, or can’t be traced.

At the very least, you will need to check the property’s records carefully to make sure there are no surprises in store – such as long-lost relatives who might turn up to claim the property back after you’ve bought it.

A trullo house before renovation in Cisternino, Puglia. AFP PHOTO / GIUSEPPE CACACE

Illegal builds

Another thing that often astounds foreigners who buy property in Italy is the enormous number of illegal builds – homes that were built entirely without permits – on the market as well as the even greater number of houses featuring modifications which were never officially approved or recorded.

Illegal housebuilding in Italy is often thought of as a decades-old issue, but recent data shows that, in 2021, 15 houses were built illegally for ever 100 authorised. Illegal building is twice as common in the south of the country as in the north, and thousands of cases are detected every year – though few people are ever prosecuted.

If you buy a house with undeclared modifications, the buyer is usually held responsible for paying to regularise the paperwork with the town hall. If you catch this issue early enough – and not all sellers or estate agents will inform you about them – you may be able to negotiate for the seller to cover these costs before you make an agreement.

If however you end up unknowingly buying a house built without the correct permissions, or if you never regularise any unauthorised changes, the property will likely prove very difficult to sell on.

This is one of many reasons why buyers need to carefully check the catasto (land registry or cadastral records) of a property themselves, and have a notary check everything is in order.

Conservation rules

When you initially view and fall in love with that charming stone house in the historic centre of a gorgeous Italian hilltop town, rules and regulations are probably not the first thing on your mind.

But it pays to know that old homes featuring frescoes, loggias or ancient stone cellars, as appealing as they are, are often protected by Italy’s cultural heritage authority – meaning more red tape for their owners.

One reader was forced to give up her dream of buying a portion of a two-floor 1700s building in the village of Civita Castellana, Lazio, because it needed renovation work to make it livable – but the frescoed walls, decorated fireplaces and elegant stonework entrance were vincolati (under restrictions) due to Italy’s historic conservation rules.

READ ALSO: Tuscany or Basilicata? How Italy’s international property market is changing

In many cases, this means renovation work can’t be carried out at all, or will be subject to reams of paperwork and close monitoring from authorities known as the sovraintendenza belle arti. To make things trickier, rules can also vary by local authority.

If you think a property you’re interested in might be subject to these rules, it’s always wise to consult the local sovraintendenza at an early stage. And of course, you’ll want to get hold of the records of the property from the catasto (land registry).

Resale prices

The high taxes and costs involved in buying and selling a property in Italy are often said to be one reason why, for most Italians, the concept of climbing the property ladder doesn’t really exist in the way it does in some countries.

Italy’s property market is unusual in Europe in that house prices on average are relatively stagnant. With the exception of some types of property – such as new-build apartments and luxury homes – overall prices have risen little over the past decade.

This is partly because the Italian market is weighed down by a large volume of old, neglected properties in need of major work – hence schemes like the one-euro sales and the (formerly popular but now-unavailable) 110 percent ‘superbonus’ for renovations.

But overall, if your main motivation for buying an old Italian home and renovating it is profit, you’ll need to consider that the resale potential may not be what you’d hope. The exceptions to this are at the pricier end of the market, in most major city centres, and in tourist hotspots.

See more in The Local’s Italian property section.

Do you have any more tips on buying a property in Italy? We’d love to hear from you in the comments section below.

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