Klik op de foto’s hierboven en zie onze mooie selectie ONROEREND GOED, BOERENHOEVES, APPARTEMENTEN, VILLAS en STADSWONINGEN te koop in Abruzzo, Italië

De belangrijkste fasen van aankoop van onroerend goed (Compravendità) in Italië zijn de eerste aankoop aanbod (Proposta d'Acquisto), de voorlopig koopcontract (Compromesso), en de notariële slotakte van de verkoop (Rogito Notarile). Dit artikel legt uit hoe het proces werkt.

1. KOOPVOORSTEL (Proposta d’Acquisto)

De eerste stap na het vinden van het ideale huis is het maken van een koopvoorstel, geadresseerd aan de verkopende partij. Ook moet er een kleine aanbetaling worden gedaan, over het algemeen met een cheque, op naam van de verkoper. Deze wordt in bewaring gehouden door de makelaar.

De makelaar zal de juiste papieren in orde maken met alle punten en wensen in relatie tot de aankoop.

Als de verkopende partij het voorstel accepteert (zwart op wit), zijn beide partijen gebonden aan het voorstel en zal dit ten uitvoer worden gebracht. De verkoper zal de cheque incasseren die de makelaar in zijn bezit heeft. Dit wordt de aanbetaling op de aankoop van het onroerend goed (caparra confirmatoria).

Als de verkopende partij het voorstel niet accepteert, zal de makelaar de cheque weer retourneren. Vanaf dat moment bent u weer vrij om te gaan, of u kunt een ander voorstel doen met inachtneming van de procedure als hierboven beschreven.

OPMERKING:

  • Mocht u zich terugtrekken nadat het voorstel is geaccepteerd, bent u uw aanbetaling kwijt. Als anderzijds de verkoper zich terugtrekt nà het accepteren van het voorstel, moet hij hetzelfde bedrag betalen als boete.
  • Als er een voorstel wordt gedaan aan de verkopende partij, moet er altijd een een datum in staan voor de ondertekening van het voorlopige koopcontract en voor het definitieve koopcontract. Deze data worden gezien als uiterste datum. Eventueel eerder tekenen van de contracten kan wel, mits beide partijen het hierover eens zijn.
  • Het is niet verplicht om een aanbetaling te doen op het moment van het voorstel. Het laat wel de goede wil zien aan de verkopende partij. Aanbetalingen kunnen ook een onderdeel zijn van onderhandelingen en de manier van betalen

2. VOORLOPIG KOOPCONTRACT (Compromesso)

Het voorlopig koopcontract is een overeenkomst waarin beide partijen beloven in de toekomst het definitieve contract (Notariële akte) te tekenen, en waarin alle voorwaarden die zijn overeengekomen tussen beide partijen ten uitvoer worden gebracht.

In het voorlopig koopcontract moeten bepaalde zaken staan zoals de persoonlijke gegevens van beide partijen, de onderdelen en kadastrale gegevens van het onroerend goed, de prijs, de hoogte van de (aan) betalingen, de manier van betalen en de datum van de notariële akte. De eigenaar verklaart hier ook dat hij garant staat voor het volledig eigendom en verklaart dat het onroerend goed op het moment van de akte vrij zal zijn van hypotheken, aanspraken, derdenrechten, etc.

Een tweede aanbetaling moet tijdens de ondertekening van het voorlopige koopcontract worden gedaan. Dit is meestal rond de 20% van de overeengekomen prijs (inclusief de aanbetaling die reeds is betaald).

OPMERKING:

  • Wie onroerend goed koopt in Italië heeft een codice fiscale nodig. U kunt het beste zelf via het Italiaanse Consulaat in uw land een codice fiscale aanvragen. Eventueel kunnen wij het voor u aanvragen bij de lokale belastingdienst, mits u een postadres heeft in Italië. Wij hebben hiervoor een kopie van uw paspoort nodig, een aanvraagformulier met originele handtekening en een machtiging. Zonder een codice fiscale kunt u in Italië geen bankrekening openen.
  • Het is verstandig om zo snel mogelijk een bankrekening te openen zodat u daar het geld op kan storten voor de definitieve koopakte.
  • De makelaars courtage moet na het ondertekenen van het voorlopige koopkontract ook worden voldaan. De courtage ligt ongeveer rond de 3% van de aankoopprijs (+ VAT).

3. NOTARIËLE AKTE (Rogito Notarile)

De notariële akte is de definitieve akte en wordt ondertekend voor een publieke notaris (notaio) met beide partijen (koper en verkoper).

Voordat er wordt getekend, heeft de notaris de nodige zaken gecontroleerd van het onroerend goed, zoals de cadastrale gegevens, de legaliteit, of het onroerend goed vrij is van hypotheek of schulden aan derden etc. Nadat de akte is opgelezen wordt deze in het bijzijn van de notaris ondertekend en is de overdracht een feit. U bent de gelukkige bezitter van een eigen huis in Italië.

Mocht het zo zijn dat u voor de koop van het onroerend goed een hypotheek nodig heeft, dan zal er een aparte akte moeten worden getekend. Dit zal op hetzelfde moment gebeuren als de notariële akte. De notaris zal opnemen dat de bank de kredietverschaffer is van uw hypotheek.

Tijdens het tekenen van de akte zal ook de restbetaling van het onroerend goed moeten worden voldaan, alsmede het honorarium van de notaris en de verwante belastingen.

HONORARIUM NOTARIS

De honoraria van notarissen kunnen verschillen, maar liggen meestal tussen de 1,5% - 2% van de aankoop prijs. Het is wel aan te raden bij het uitzoeken van een notaris hier op te letten. Mocht u voor de aankoop van het onroerend goed een hypotheek nodig hebben, dan moeten er 2 akten worden getekend. De kosten zijn dan ongeveer dubbel.

BELASTINGEN

Hieronder vindt u een tabelvan de belastingen met betrekking tot een onroerend goed: 

Verkoper Belasting  Primary Residence  Secondary Residence 
 
Aankoop van een privé persoon
 
Registratie Belasting  2% v/d kadastrale waarde* 9% v/d kadastrale waarde
Lokale Belasting  €50   €50 
Zegelrecht Belasting €50 €50 
 
Aankoop van een ontwikkelaar of aannemer
VAT  4% v/d aankoop prijs
10% v/d aankoop prijs**
Registratie Belasting  €200   €200  
Lokale Belasting  €200  €200
Zegelrecht Belasting  €200 €200

 

* Er is een minimum van € 1000 bij het betalen van de 2% belasting op een hoofdverblijfplaats. Als het goed is aangemerkt als een 'luxe', de belasting is 9%, niet 2%.

** als het goed is geclassificeerd een 'luxe', de belasting is 20%, niet 10%.

DE NOTARIS

De notaris wordt gekozen door de kopende partij. Hij is daarentegen een onpartijdig persoon en kan niet opkomen voor de belangen van één partij. De notaris draagt zorg voor het proces en verzamelt de benodigde gevens met betrekking tot de akte. De notaris moet ook nagaan of het onroerend goed vrij is van hypotheek, of de verkopende partij ook echt de eigenaar is etc. Het werk van de notaris is gegarandeerd. Mocht de notaris dus een fout maken, dan moet hij u schadeloosstellen voor alle verliezen die u oploopt.

OPMERKING:

  • Als het contract door twee privé personen wordt afgesloten, dan zegt de wet dat er in de akte het bedrag moet staan wat daadwerkelijk betaald is voor het onroerend goed. Echter, voor het berekenen van de belastingen wordt de kadastrale waarde (valore catastale) gebruikt. Deze waarde ligt over het algemeen een heel stuk lager dan de aankoop prijs.
  • Als de kopende partij de Italiaanse taal in woord en geschrift niet machtig is, dan zal de akte moeten worden vertaald. Een andere mogelijkheid is dat u een vertrouwens persoon machtigt (Procura) om namens u te tekenen. Deze persoon moet de Italiaanse taal in woord en geschrift machtig zijn.
  • Als u verhuist naar Italië en u verklaart bij de akte dat dit uw eerste huis is (prima casa), dan betaalt u minder belasting. U moet dan wel binnen 18 maanden vanaf de ondertekening van de akte uw residentie in Italië hebben. Op het moment dat u de akte ondertekent, mag u uiteraard nog wel een ander huis hebben, zolang u maar binnen 18 maanden de Italiaanse residentie heeft. Mocht dit niet het geval zijn, dan moet u alsnog de hogere belasting betalen, verhoogd met een boete.
  • Op 1 juli 2009 werd er een nieuwe wet van kracht, die zegt dat iedereen die zijn huis na deze datum verkoopt, moet zorgen voor de benodigde certificaten op het gebied van electra en gas. Dit moet gebeuren door een gecertificeerde specialist, en de verkopende partij moet hier zorg voor dragen.

INFO VAN ONS

Een huis kopen in Italië lijkt op het eerste gezicht heel erg gecompliceerd en bureaucratisch, maar is over het algemeen erg helder en duidelijk. Er worden veel risico’s uitgesloten omdat een notaris een zekere verantwoordelijkheid heeft ten opzichte van de kopende partij.

Het hele koop proces kan redelijk makkelijk worden doorlopen. Goede hulp en advies is daarbij belangrijk. Wij kunnen u helpen met het vinden van uw droomuis en het daaropvolgend traject. Mocht u nog vragen hebben met betrekking tot het koopproces of andere zaken, aarzel dan niet om contact met ons op te nemen: Dit e-mailadres wordt beveiligd tegen spambots. JavaScript dient ingeschakeld te zijn om het te bekijken. 

We were looking at houses in Abruzzo for quite some time as we were quite fussy on what we wanted and it had to be within a specific budget. Apart from this, our requirements changed a lot over the period we were looking at houses. Despite this we have to say Tracey and colleagues were always there to help out, and even show us a few house we insisted on seeing when they knew quite well they were not suitable for us. The house we eventually purchased was one they brought to our attention, when they did we named it the "prison house", which shows how impressed we were, and of course how wrong! During the purchase and since (now 4 years on) Tracey has helped us (and still does) not only sort out our problems and get jobs done, but also provide great guidance and encouragement to do things ourselves.

I and my husband were thinking about buying a house or an apartment in Italy. Last October we visited a fair for Homes Abroad in Helsinki, Finland and afterwards we waited that one of the agency’s would contact us about the apartments.  Then, while we were on vacation at Christmas, we found in internet one apartment which was very interested. So, we contacted AbruzzoReality and Tracey. She answered very quickly and was very helpful. In the beginning of January we were visiting this apartment in Italy. The apartment was just that we were looking for. Because of Tracey, everything happened very quickly, in the 1st of February we could say: We own a part of Italy! Happy, happy, happy…
P.S. Finally the Finnish agency offered the same apartment for us but for much more expensive price…

We had been looking for a while to find a house in Abruzzo, when we made an appointment with Tracey. What a relief. Where we thought we were well prepared and made a list with houses to visit, Tracey had a much better view on what we needed and wanted. It was love on first sight with the house she suggested.

Being a foreigner in Italy, we could use all the help we could get. Tracey and her colleagues exceeded our expectations; not only did they give us tonnes of advice and information, they also helped with several practical issues. Thanks to Tracey we experienced a very smooth operation.

Besides the professionalism, Tracey excels in trustworthiness, and she transfers this feeling also to the people she works with. We appreciate her professional sight, but we appreciate her even more for the person she is.

I can advise everyone to engage with Tracey and her colleagues when you are looking for a house in Abruzzo.

When my wife and I decided to purchase a property in Italy we began our research of the regions of Italy and quickly came to the conclusion that Abruzzo was the region we would like to reside in. Now it was time to search properties. A quick Google search of real estate companies pointed us to Abruzzo Reality. Having found a few properties we were interested in I submitted my inquiry and received a prompt reply from Tracey. Thus began a wonderful, professional relationship that led us to a successful purchase of our house in just a few short months. The team of Tracey and Vincenzo, along with the assistance of Manolo (the jack-of-all-trades handyman) has made this a very painless journey to home ownership in another country. Tracey coordinated our process from beginning to end. We could not have accomplished this on our own. Vincenzo patiently showed us many properties and Manolo has assisted us with anything we have needed following the sale. If you are considering home ownership in Italy, you cannot go wrong with the Abruzzo Reality team to put your mind at ease and begin enjoying your new life in Italy.

Excellent experience with Abruzzo Reality.

Buying property in other countries can be stressful and frustrating. For us it was a wonderful and smooth process thanks to Tracey and Manolo at Abruzzo Reality. They were patient with us and helped us every step of the way.
They responded to our questions promptly and never left us hanging. Not only did they get us an amazing property for a great deal but they also helped us to find trustworthy and fair tradesman to help us after closing. We would highly recommend this company if you are looking to buy in Italy. They are the kind of people that we hope to keep a friendship with even after business is complete. Thank you to the entire amazing staff.

I would like to express my sincere thanks to you, for being able, in a very short time, to sell my country villa, whilst showing incredible professionalism and competence. It was a very positive experience after three years of disappointments, with other local, national and even international companies. Thanks again.

We would like to say a huge thank you for all of your help and support in helping us buy our dream home here in Italy; you walked us through every step of the way.

The service you and Abruzzo Reality provide is first class as well as your ongoing after sales service. It is hard to believe we’ve been living here for over four years now and not being fluent in Italian, it’s still great to know you are always there whenever we need your help and support. We know we can rely on you and you always have a friendly, professional approach, so we’ve always felt secure in dealing with someone who speaks the same language. That is a really important factor, especially when buying a property abroad. We wouldn’t hesitate to recommend you to anyone.

Once again a very special thank you, Tracey, we both know we couldn’t have done it without you!

When we fell in love with our little house in the Abruzzen, Italy, we were extremely lucky to have the help and support of Tracey.  She always responds quickly to all our emails and is tireless when it comes to answering all our questions. We certainly couldn’t have done it without her.

We used Tracey and Abruzzo Reality to sell our beautiful, small holiday house in Abruzzo. We always found her to be accommodating and friendly and very helpful. There was great communication throughout (with us being in London for most of the year) and yet she was happy to meet up whenever we were in Italy for our holidays. She explained the process well, managed the viewings and sorted all the issues to make sure that our whole selling experience was effortless. Tracey has a great knowledge of the local area and of local people and we got a great price for the house, even when the deal looked like it might fall through.

We would thoroughly recommend Abruzzo Reality and Tracey and thanks for all your efforts.

Communication was easy, as speaking both English and Italian. Viewings were arranged with ease and Tracey helped us out with various issues, which helped a lot. We could not have done it without her. We would definitely recommend.

In our search for a house in Abruzzo we were so lucky to get introduced to Tracey and the Abruzzoreality team. As a first-time buyer abroad, we of course didn’t have much experience in the buying process in Italy. From day one, they patiently helped us and guided us in our search, finding the right house, making sure that every detail was in place and taken care of. Every email was replied quickly and professionally and made us feel 100% secure. After getting the keys, the after sales service has been very valuable and they have assisted us in getting the needed craftsmen, cutting trees and just looking after the house. All in all, we could not have asked for better assistance.

We cannot speak highly enough of our experience when dealing with Tracey Nicholas of Abruzzo Reality.  She made the whole selling process so simple and straightforward, and this was dealing with two customers who didn’t speak a word of Italian!  She answered every email promptly, was honest and fair and we had total faith in her from the beginning, and our trust was rewarded.  The viewing of our property, to the completion with the notary, all took place in under a month, thanks to her organisation.  We were kept fully informed at every stage, from receiving initial deposits to advising when to book our flights.  What we expected to be a complicated and nerve wracking experience actually turned out to be very enjoyable, thanks to her.  We recommended her to friends of ours, and they had exactly the same experience as us, and even said she did more than was expected to help them after their sale was completed, assisting them with the bank and transfers.  We would be happy to act as referees for anyone thinking of buying or selling with Tracey, we are totally confident you would be as pleased as we were if you used her as your agent.

We had a very large and unusual property and Tracey and colleagues did a great job selling it, they managed to find a buyer who loves our house and village. They were helpful and accommodating from the beginning, through to the final act.

Tracey has always been very helpful, supportive and trustworthy. She helped us with liaising the utility companies when we had difficulties communicating with them and ensured the bills were paid. When we decided to sell the property.  Tracey dealt with the whole process during the difficult time of the pandemic while keeping us updated throughout. As we were unable to travel to sign the contract, Tracey acted on our behalf as power of attorney to enable the sale to complete. We cannot recommend her highly enough.

We were extremely happy with the professional service provided by Tracey when selling our house in Abruzzo. Tracey was very efficient, responsive and provided a high quality and reliable service, as well as being a sincere person.

Tracey always kept us well informed through every step of the selling process. It is worth noting that Tracey was also prepared to put in the extra work, even driving 2 hours each way, because through her experience she knew that our property would match her client's requirements. We are very pleased Tracey put in the time and effort to sell our property as she was then able to match it to the buyer's requirement the outcome being it was sold to the first family who viewed it. I would definitely recommend Tracey who is a professional breath of fresh air, compared to the indifference showed by some other agencies (especially when selling).

"We cannot sing the praises of Tracey sufficiently highly. She has taken all of the worry out of the house purchasing process in Italy. She has been trustworthy, thorough and reliable throughout. Tracey is a gentle, intuitive translator, active project manager and industrious agent. We have made significant savings by entrusting the whole process to Tracey. Without having the confidence to make this leap of faith we could never have operated so effectively, or economically from so great a distance.

The inevitable unfamiliarity with the Italian property house buying market proved potentially daunting. Informed advice is crucial and is provided in abundance."

While searching for our dream house in Italy, we “shortlisted” a long list of about 30 houses in various parts of Abruzzo. More than half of the houses were from Abruzzo Reality, as Tracey was one of the few real estate agents that responded to us, and promptly too. We met different real estate agents during our house-hunting trip. Tracey and Vincenzo stood out as they patiently listened to our requirements (and we were rather fussy about what we wanted!) and brought us to see the different houses. We read about the Daunting process of buying a house in Italy and different websites tell you different things. We were glad we could leave everything to Tracey and Vincenzo! They made the whole process so much easier as we had to go back to work and could not travel to Italy as often as we would have liked. After signing for our dream house, Tracey and Manolo (the do-it-all handyman) helped us with everything from cleaning the house, dealing with the utility company, to getting the house painted. We really appreciate their help!

From the moment we began working with Tracey, we knew we had found someone extraordinary that would make our house-buying experience as smooth as it possibly could be, considering we were interested in buying a house on a different continent, in a country where we didn’t speak the language. Her warm personality and amazing work ethic, when combined with her knowledge of the Abruzzo region, make her simply the perfect realtor to work with when buying a home there. We had countless questions for her throughout the process, for which she provided answers via e-mail or telephone almost immediately, regardless of time zone differences. There were also many challenges with the bank that provided our home loan that Tracey resolved through perseverance and 100% dedication to our best interests. When we met her in person, our initial impression was solidly reinforced; we instantly felt at ease with her, as if she was part of our new family abroad. We honestly don’t know if we could have succeeded in buying our dream home in Italy without her, and continue to depend on her and trust her fully with other business opportunities to this day. We couldn’t be more pleased with her work. We also cannot say GRAZIE MILLE enough to our dear friend Tracey Nicholas for making all of it possible, and for making it a fantastic experience!!

From start to finish, Tracey and the Abruzzo Reality team are there to help. With finding the correct home with in the correct budget, to offering advice as to which is a good buy and which not so much. Need work done, they have contacts to help. Need a mortgage, they have contacts that can help with that to. The service doesn't stop with the purchase of a home either. Any care, guidance, or other assistance after the home purchase, Tracey can help. Being that English is her first language, this all makes a complicated process, that much easier. I can't say enough about the level of service received by Abruzzo Reality.

Buying a house in Italy has been an almost life long dream for us and was one that we never expected to come true. We decided that we might be able to buy in April as a result of the very favourable exchange rate and we immediately found Abruzzo Reality and a number of houses we were interested in. I started bombarding Tracey with daily, and sometimes more frequent, e-mails to get more information about properties and about the process generally and she was fantastic. She responded promptly every time and really seemed to enter into our excitement about the project. She gave us excellent advise about some of the properties which had appeared ideal on the web but which clearly were not going to meet our ideals. We went out to Abruzzo in July and met Tracey and Vincenzo as we visited our three chosen properties. They negotiated a fantastic deal for us on our perfect property and saw us through everything that followed; Tracey could not have been more helpful or supportive. We completed our purchase as planned on November 9th after a last minute hiccup, when the notary had to cancel our appointment at short notice. Tracey provided a lot of psychological support and Vincenzo rang round virtually every notary in Abruzzo to find one who could see us that day, as our plans and those of our vendors were completely dependant on that date. Tracey is now our property manager and I have complete confidence that under her expert guidance, all will continue to run smoothly for us in Abruzzo. Our dream has totally come true and for that we owe a huge debt to Tracey and Vincenzo for their expert support and guidance in helping us to achieve that dream.

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