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My Italian Home: ‘I’d just found my little piece of paradise in Umbria, and now I’m longing to return’

Florida-based reader Christie Hardwick tells The Local how she found her dream apartment in Umbria - completely by chance - and is now longing to return to her new Italian home after having to postpone plans due to quarantine.

My Italian Home: 'I'd just found my little piece of paradise in Umbria, and now I'm longing to return'
The elegant apartment building overlooking the piazza in Umbertide, Umbria. All photos courtesy of Christie Hardwick.

One of my favorite things about this tiny apartment when I first saw it was the blue wooden shutters on all the windows. The apartment had been renovated by previous owners, who took it from a place in disrepair to a finished, elegant space.

The archways marking the entry to the living room, dining room and bedrooms, the wide brick of the ceiling and the rustic brick of the floor all tied together to make a sweet cocoon. I felt at home immediately.

But we had no intention of buying an apartment in Italy. As a matter of fact, my wife and I had sold our second home and declared we’d never own another!

We had been in Italy for five months already back in 2019 when we came to the town of Umbertide, in Umbria, to visit the market that we frequented twice a week for fresh food and supplies.

I was in Italy for most of 2019 to celebrate my 60th year. We had been coming to Italy together for 15 years, staying in the same farmhouse 15 minutes from the town, and we had another month before our visas ran out.

On this particular day, our friends were having coffee in the piazza in the centro storico. We sat down, with our bags bulging with cabbage, tomatoes, onions, mushrooms, faro and rustic bread, to share an espresso.

After our coffees arrived our friends casually mentioned the apartment and of course we wanted to see it. It was just above where we were sitting in the same building as the coffee shop, Bar Mary, which we frequented every week. We loved supporting Irine and Mary, the sisters who owned and operated it.

The building was over 400 years old, but in great condition. Walking up the stone stairs, we were surprised when we counted 67 to the top where the apartment was – and I already surmised that this would be good to keep us in shape.

We walked through the apartment, complimenting our friends on their decor and design choices. It had everything you’d need. A living room area, a dining area, a kitchen, two bedrooms and two bathrooms. We sat on the couch and chatted about their life in Umbertide.

Once we were in our car on the way back to the farm house, Jane erupted, “the place is adorable but no way are we buying another house!”

I smiled without protesting, quietly plotting how to get her from that position to mine. I already loved and wanted the place..

The renovated farmhouse where we were staying sat on top of rolling hills overlooking the Niccone Valley and olive groves. The sunsets were spectacular, the grounds beautiful, and the hiking trails plentiful.

We loved it and had been back at least eight different times for up to six weeks at a time. This time we were staying for two months.

One thing I began to notice is that even though we spent the first part of the year in Italian Language school, we were rarely practicing because we were isolated there. I realized that I wanted to be in the village because I wanted to learn the language by using it every day.

Eventually, this argument, and my passion – and willingness to handle the entire transaction – convinced my lovely mate. We got to stay in what we named our Piccolo Paradiso for two weeks before needing to return to the states.

Waking up to the views of the town square or the view of the river and rooftops was delightful. While we were looking forward to returning to our home in St. Petersburg, Florida, and visiting our children in Chicago and San Jose, California we were happy that our little place in Umbertide would be waiting for us.

Our first visit back since October wasdue  to be mid-April. But now that is the expected time for the coronavirus outbreak to peak in Italy. We are shattered for the whole country and all those suffering, and we were so sad not to visit our new home and our friends.

We had friends there before we bought our little slice of heaven. We were regulars at Ristorante Calagrana and the proprietors Albi and Eli are like family now. We met our neighbor Chiara and can’t wait to get back and deepen our friendship, along with our other expat neighbors Nancy, Luther, Joseph and Paul.

I especially can’t wait to get back to the Italian language. It is a dream to be fully capable in this lyrical language before my demise.

But for now, #iorestoacasa where I am.

 

Christie Hardwick is a spiritual teacher, wellness and prosperity coach, performing artist, leadership guru, and the author of The progressive wedding book. Read more about her work here.

Member comments

  1. Love your story and look forward to hearing more when you return. I hope to someday soon spend a couple of months in Italy learning the beautiful language.

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PROPERTY

Five expensive mistakes to avoid when buying a house in Italy

Italy may be known for property bargains, but the purchase process itself isn't cheap - and certain mistakes can make it far more costly for buyers.

Five expensive mistakes to avoid when buying a house in Italy

There’s always a lot to keep in mind when buying property, but the Italian purchase process may be quite different to what you’re used to in your home country.

As well as involving high taxes and fees, it’s likely to be more complex and formal in some ways – and this can lead to potentially costly pitfalls.

The Local spoke to three Italian property law experts at legal firm Mazzeschi to find out what foreign buyers should be aware of before they sign anything. 

1) Check your estate agent’s contract

If you use a real estate agency in your Italian home search, normally you’ll need to sign a contract with them. That contract should stipulate their fees, their duties, and their tax information.

There is one other thing in the contract which potential buyers must look out for: an exclusivity clause, meaning the potential buyer may use only that estate agent in their property search for a set period of time.

“Usually in Italy estate agents like using this exclusivity clause. It is normally the same for sellers as it is for buyers. It means you cannot have another estate agent and usually contracts say this, “says Caterina De Carolis, Lawyer at Mazzeschi.

READ ALSO: How to avoid hidden traps when buying old property in Italy

“If the time frame is not yet up, and the potential buyer uses another agency, they may still be liable to pay the agency fee for the initial estate agent they entered their contract with,” she adds.

Some contracts might not have an exclusivity clause. It’s always worth double-checking.

“If you use another agency to find a house, you’ll be liable to pay the agency with the exclusivity clause in the contract around 2-5 percent of the house’s sale price,” says De Carolis.

“The exact percentage is always in the contract.”

2) Make sure to agree on a price beforehand

This rule is universal, and may sound obvious. But there are costly consequences in Italy if the price is not formally agreed and written down.

Lawyers at consultancy firm Mazzeschi urge their clients to make sure the full price of the property is declared in the transfer deed (l’atto di trasferimento).

This is because if you resell at a market price higher than your purchase price, you are subject to pay a capital gains tax called plusvalenza. Plusvalenza is the difference between purchase and sale price.

Checking the price of the property beforehand will save you in the long run. Photo by Kirill KUDRYAVTSEV / AFP.

3) Don’t change your mind – it will cost you

If the potential buyer has signed a binding proposal (proposta vincolante) – the process before a preliminary contract is drawn up – it becomes less straightforward to withdraw from the purchase.

“This is because the binding proposal in Italy is a lot more formal,” says Mario Mazzeschi, Head of and Attorney at Law of Mazzeschi Consultancy. 

The binding proposal works similarly to an offer. When the potential buyer puts forth their offer, the potential seller decides whether or not to accept. The period of time for this part depends on the proposal drawn up.

READ MORE: Five things non-residents need to know about buying property in Italy

If, before the time is up, the potential buyer decides to withdraw their offer for any reason, they will likely lose their deposit.

“This deposit is usually around 5-10 percent in most cases, so the buyer will have to pay that,” says De Carolis.

“If the buyer decides to withdraw, they are usually liable to pay the seller twice the amount of the deposit.”

If the proposal is not accepted by the potential seller, the potential buyer pays nothing.

4) Don’t pay anything before the preliminary contract is signed

With the exception of the above, buyers are advised not to pay anything until the preliminary contract is signed. The preliminary contract allows both parties to set out clear guidelines.

“The buyer should check with a lawyer before signing the preliminary contract as it will save them in the long run,” says Mazzeschi.

A notary should be present at this signing, adds Giuditta De Ricco, Lawyer at Mazzeschi Consultancy.

“Notaries are public functionaries. They are never on the side of the buyer or the seller, but for sure a notary is needed.”

“They are completely neutral and often it is wiser and safer for the potential buyer to put their deposit into the notary’s escrow account so the notary can transfer the money to the potential buyer.” 

5) Have the property checked beforehand

While the notary will normally check the paperwork before the sale goes through, you’ll need a different professional to check the property itself.

It may then be in the buyer’s best interest to hire a contractor themselves (this will normally be a qualified geometra, or surveyor) to get the structure of the building checked out and detail any faults or repair work needed.

This should be done before the negotiation stage, as unless there is something specific in the preliminary contract you may lose anything you have paid by pulling out of the purchase at this stage.

“The only way out of this after signing a contract is if you can prove the seller acted maliciously,” says Mazzeschi.

Key vocabulary

Transfer deed – l’atto di trasferimento

Binding proposal – proposta vincolante

Notary – notaio

Preliminary contract – contratto preliminare di vendita

Final contract – atto di vendita or rogito notarile

Deposit – caparra

Surveyor – geometra

Estate agent – agente immobiliare 

Please note that The Local cannot advise on individual cases. For more information about how you can buy property in Italy, contact a qualified professional. 

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