Ипотечное кредитование

Conditions

Please take a look at the actual conditions for obtaining a mortgages in Italy.

We regularly update mortgage conditions in Italy for acquisition vacation properties, investment properties and luxury property by Russian and CIS clients.

Starting from 2,25 %

Rates
Up to 15 years

Duration
Up to 60 % LTV

Loan amount

Variable interest rate: from 2,25 % p.a.
Fixed interest rate: 2,85 % - 5,5 % p.a.
Depending on mortgage conditions and lender

Minimize
Duration of mortgage from 3 up to 15 years.

Minimize
Minimum loan amount when working with Lowell Finance from EUR 500,000
Maximum amount up to 60 % of assessment value of property

Minimize

Loan to finance

Mortgage in Italy
Financing a luxury real estate in Italy
Equity release in Italy (including post-financing)
Refinancing of mortgages of luxury property in Italy

Loan

to finance

Type of property

Financing is possible in some regions of Italy to the north of Rome, Sardinia and some areas with luxury property in Italy (it is necessary to discuss location of the property) for the following types of the real estate:

Apartments for vacations, residing and buy to let
Residences, country houses, luxury real estate
Luxury property for commercial purposes (with restrictions)

Type

of property

Type of loan

Mortgage with variable or fixed rate with various typeof payments:

Repayment loan
Bullet loan or interest only loans (with restrictions)

Type

of loan

Early repayment

In case of mortgage with variable / capped rate - No
In case of mortgage with fixed rate there are penalty which depend on the bank

Early

repayment

Real estate valuation

Real estate valuation is obligatory to confirm the property value. The loan based on the valuation price of the real estate or on the price of the sale agreement, whichever is the lower.

Real

estate valuation

Insurance for the borrower / property

Insurance for the borrower (life and disability) is not obligatory for Italian banks. Insurance of property is not obligatory requirement of the bank, but is obligatory for registration of the purchase and sale transaction