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PROPERTY

Searching for cheap Italian property online? Here’s what you need to watch out for

Online property listings in Italy can leave a lot to be desired - and discovered. So how do you know which homes are worth viewing? Our experts have some advice.

Searching for cheap Italian property online? Here's what you need to watch out for
What lies behind the walls of Italy's beautiful historic homes? All photos courtesy of D and G Design
With many of us currently unable to travel, online searches for Italian homes have increased.
 
While it’s a great idea to keep your dream of buying and restoring in Italy alive, there are some practical steps you can take to help you decide if a home goes on your ‘must visit’ list or is quickly discarded. 
 
Stuck in the 70’s?
 
As any internet house-hunter will tell you, there are an abundance of Italian homes listed by estate agents that showcase what life was like during a time when varying shades of brown were the western world’s favourite colour, minimal power sockets were needed, and an entire family could be fed using a stove of only two gas rings.
 
That 1970’s and 80’s decor is not only about floor-to-ceiling tiles in an array of clashing colours, olive green bathroom suites with plastic accessories, or the ‘Swedish sauna’ look of tongue and groove cladding.
 
These schemes and furniture can also offer you much needed information about the home’s condition.
 
Retro bathroom suites are often a sign the home lacks modern plumbing. Photo: D&G design
 
Electricity systems have been advanced over the past few decades, so if your potential home is a tribute to an era gone by, expect the electrical system to be as well.
 
This can also go for the plumbing, which may need to be completely replaced to make it in line with modern-day standards.
 
 
Look beyond the clutter
 
Home staging? What home staging? While there is a trend in some of the larger, more cosmopolitan Italian cities to realise the importance of staging a home for sale, this doesn’t always apply to owners who may not have set foot in their own property for years and see it as nothing more than a storage unit.
 
Dusty wine jugs, dismantled beds, religious icons, and walls displaying a gallery of long gone relatives may be crammed into cobweb-ridden rooms, with neither the estate agent or the current owner having had the foresight to at least attempt a clean up before the photographer arrived, leaving the bemused viewer with a heap of clutter to look past before determining the size or condition of the room.
 
What will you find underneath? Photo: D&G Design
 
Are the walls hiding earthquake or settlement cracks? Can you see the floor? What’s going on beneath those old broken tiles? Does the plaster need removing to investigate the structural condition of the home?
 
It’s not always easy to answer any of these questions from a carefully taken photograph.
 
Who owns the roof?
 
Walking into a home with a potential client of ours, we were alarmed to see the floor of one of the bedrooms strewn with dead birds. Reminiscent of a seen from Hitchcock’s ‘The Birds,’ we ducked for cover as countless panicked pigeons flew head first into the closed window, desperate for a way out. Our client screamed, and we frantically fiddled with the window handle to set these kamikaze gulls free.
 
Quickly noticing that there was no fireplace or broken window from which our feathered friends could have entered, we had to determine that there must have been a hole in the roof. Photos of this room had shown no dead birds, (or live ones for that matter) and indeed no light pouring in from above, and it was only when our Ingeniere (structural engineer) assessed the property that he suggested the entire roof was in terrible condition and needed to be replaced.
 
Look closely at exterior images of the house, and try to zoom in on the roof. If no mention of the condition of it is made in the property description, ask the seller when it was last repaired or replaced.
 
The floor plans of terraced homes in historic centres are not always built in symmetry, rooms above one property can belong to the house next door, and vice versa. It is therefore not always clear as to who is responsible for any repairs needed to that portion of the roof.
 
Look at external images for the differences in window shutters to determine which rooms belong to which house. (Each home will usually have its own style and colour of shutter). Compare this with the floor plan. If the address is listed, zoom into Google Street View for a clearer picture of all sides of the house.
 
 
Abusive structures
 
A recent client of ours wanted an unsightly building on their roof terrace completely removed. Its low roof acted as shelter from the sun, but was made in asbestos and due to its proximity from the door, you had to be the height of a child to stand beneath it without damaging your back.
 
When checking with the local council, our Ingeniere discovered that the structure had been built illegally and any fine imposed by the local authority would be passed to the new owner. The estate agent our clients had purchased from had made no mention of this, and no pre-purchase survey had been carried out.
 
Furthermore, special permission had to be granted to remove the structure’s roof as its materials were toxic.
 
Ensure that all parts of the building are checked thoroughly. Was that extension built legally? Have any internal walls been knocked down or built? Was relevant permission obtained before previous works were carried out?
 
Local town halls keep a copy of the floor plan of all homes within their jurisdiction, and these have to match the actual properties.
 
Permission granted?
 
As mentioned above, there are rules around renovations and even what you do to the facade of your home that must be adhered to. That photo of a beautiful historic home in a centro storico (historic centre) looks appealing, but any works that you do to it will probably need to be approved by the local commune, many of which publish detailed guidelines on their websites.
 
From the colour and style of window shutters and rendered exterior walls, to whether or not you can create a rooftop terrace or add a balcony, you will need to investigate their requirements, particularly if the home is historical or in a conservation area.
 
Wall decor in older Italian properties is often a tribute to the past. Photo: D&G Design
 
Rules and guidelines change frequently, so just because the house next door added a roof terrace years ago, it doesn’t necessarily mean you will be granted one now.
 
Permissions are not only exclusive to period homes; they may also apply to a country home or new build as well.
 
 
Earthquake evidence
 
It is true that there are bargains to be had in Italy, with some owners offloading an inherited home that they will never live in and is costing them a small fortune in property taxes.
 
But it’s also true that some of these bargains have been derelict for years and now require work to bring them up to a liveable standard.
 
Has a house had anti seismic work done? Unless it’s in Sardinia, the only part of the country without a fault line running through it, the chances are it will need some. Look for cracks in the walls and ask the seller what caused them, as well as if the property has ever had anti seismic works carried out.
 
A good estate agent will have made these checks before the property is listed. A good notary or solicitor will investigate these on your behalf before the sale goes through. But a good Ingeniere will check the facts before you commit to buying, enabling you to rule out any potential money-pits before you get to even the viewing or buying stages.
 

Member comments

  1. We are looking at a particular property in Abruzzo. Where can we find an ingeniere to do a structural survey and how much does this service cost? Thank you! Mark and Mona Johnson

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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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