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 already looking a while for a suitable house for us in Abruzzo. Abruzzo Reality helped us very well on the search for this suitable house. We visited several houses. but when we saw our house, we knew immediately knew that this was the one. The house offers plenty of oportunities. Tracey helped us perfectly through the buying process.
A few months later we were the proud new owners! Tracey has also helped us with the paperwork concerning the purchase. Nothing was too much and we also found it important that the documents were translated in English. For a foreigner it’s not so easy , especially because ‘notary language’ is not the most understandable one.
Besides her professionalism, Tracey gave us a trust worthy feeling. She and Vincenzo are a good, reliable team. They made it a lot easier for us with their professional way of working and their knowledge.
Meanwhile, we are several months away and we are enjoying our life in Abruzzo. A splendid region that has so much to offer! Thanks!

Finding a house in Italy was no easy task as we had no idea of an area to choose, let alone a town or city!  After searching for a few months and following a couple of visits, we came across Tracey and Vincenzo through another agency we were viewing with, and after a very short space of time, we switched agencies. Lo and behold, they found us the perfect place to live! Tracey listened to our criteria completely and some of the things we were asking for weren’t easy to come by in the city we chose - Penne - but after searching on our behalf, we have now taken possession of our beautiful new Italian apartment!  Tracey and Vincenzo organised all the legal work for us too, so all we needed to do was to arrive at the Notary office and sign a few documents. It was so easy and totally stress free!  We kept in contact with Abruzzo Reality the whole time - asking questions, raising silly points about Italian life and legalise, and each time Tracey was able to assure us that there would be no problems - and she was right!  We are back in the UK at the moment but heading out in September when her after sales Manager, Manolo, will be taking control of helping set up bank accounts in Italy together with going through all the documentation that is needed to set up payments for the apartment utilities.  We thoroughly recommend Abruzzo Reality - the service has been second to none - and we are hoping that the journey we travelled together to find our new home has made us firm friends for the future when we are living there.

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!

Tracey of 'Abruzzoreality' is quite simply a miracle worker! Let us explain.

Having had a holiday home out in the countryside near Penne for ten years, we decided that it was now time for us to 'downshift' and move to a smaller, more easily managed house in town. Tracey had superbly managed the country house for us, arranging ongoing maintenance for the house and gardens, as well as successfully organising holiday lets for the weeks when we were not 'in residence'. Tracey is a highly respected professional; her knowledge and understanding of the vagaries of the property market in Abruzzo is second to none. Knowing her to be honest; always acting with integrity and with our best interests at heart, we were keen to involve her in our plans to relocate in Abruzzo, from the outset.

Tracey designed the advertisement for the sale of our property; posted it on her Abruzzoreality website and was successful in attracting a number of potential buyers. A sale and date for the exchange of contracts was agreed within weeks, meaning we had to quickly find a town house which met our needs. Tracey arranged for us to look at suitable properties in our preferred towns of Penne and Loreto Aprutino. Tracey chose well and we fell in love with a beautiful compact house in the 'Centro Storico' in Loreto. We made an offer which was accepted and through Tracey's hard work, were able to complete the purchase to coincide with the sale of our country property. Tracey had managed to successfully ensure our move was stress-free, seamless and relatively quick to conclude.

We will of course continue to use Tracey's management services for our new holiday home in Loreto and as always, will never hesitate to recommend 'Abruzzoreality' to anyone and everyone! We have been very lucky in getting to know Tracey, who for a whole variety of reasons, has made our time in Abruzzo trouble free and hugely enjoyable. Long may she continue to do so!

Everything went smoothly!!
We saw a lot of houses with a lot of agencies. Some of them were more friendly than others, but with you, from the beginning, it was just like talking to a friend, and we had never met before.
Every question, even a stupid one, you answered.
If we had a doubt, you gave us your trust by sending evidence.
Last year in April we met, to visit a few houses. The one we came for, was the one we fell in love with.
You arranged everything through email, we just had to sign and pay 😉
Even the appointment with the notary was planned according to our chosen date.
Even after the sale you are willing to help us and answer our questions.
Thank you Tracey!

We can't say enough good things about Tracey and Vincenzo. The welcoming guidance they provided during our first day-long house search in several towns was as helpful and generous as their time and "insider insights." We've had good experiences with real estate professionals in our moves, but have never seen this level of customer service and expertise.

We are 2 Danish families who recently has bought a house in Abruzzo. We have been very satisfied with Tracey and Abruzzoreality from the first day.  All our emails were answered in a quick and positive way and all our questions has been replied professionally and accommodating.  All our arrangements has been observed and we consider Tracey and her company very reliable.  No task is too big and none too small. Tracey is at the moment helping us buying furniture in Ikea and has bought 4 padlocks and made sure, that our house was securely locked.

In 2010 we (man, wife, 2 children and 2 dogs) had a very serious idea to move to Italy, permanently. With the promised work possibilities in mind we started our search for a nice place in the region ‘Abruzzo'. Due to all kinds of changes, we had to change plans from time to time. Changes in terms of budget, type of house, area within Abruzzo and last but not least we had to leave the idea to move permanently. At the end of 2016, we bought our second home near Castilenti, Abruzzo. A very nice situated house, exactly what we wanted regarding the moment in life.

Along the way, from 2010 until now, Tracey / Abruzzo Reality helped us with so much patience and empathy. We regularly visited Abruzzo and went to places and houses which on paper would fit our needs. Within a few minutes on site, Tracey could see and ‘feel’ if it would be a fit or not, and if not, we moved further in a very relaxed but professional way. A no-fit happened a lot and never was problem. Next time better, she kept on searching and helped us with tips and advice in between.

The ease of talking in English to a real estate broker who is multi lingual and is perfectly capable of translating it back and forward without lost of words or context is a very big plus. The network of Tracey is wide and diverse, good and reliable geometras, notarys and builders are part of her network and were very helpful for us, as new Italian home owners to quickly make the region ‘our own’.

We recommend Abruzzo Reality / Tracey highly when you want to find your home and way in, and around, Abruzzo.

"We cannot thank you enough for all the help you have given us in becoming Italian real estate owners! That lovely house is something one only dreams of!"

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.

After living 8 years in Abruzzo, Italy, we felt it was time for another change in our lives and we put our house on the market. Within a year we sold it through Tracey and her colleague Vincenzo. We are very pleased with the way the sales process has gone. Tracey and Vincenzo offered help and gave advise wherever needed.
Currently, we have to make the latest changes by name at a view Italian utility companies and we are pleased to have the help of Tracey for realizing that. So we are very satisfied with the work of Tracey and Vincenzo. Thank you both!

Tracey made buying a property in Abruzzo a quicker and easier process than buying property in the UK. We viewed in July and moved in November. She arranged appropriate viewings and was prepared to drive us to several properties with return visits when required. We stopped occasionally for coffee and pizza and a chat about the steps necessary, to make sure everything was done legally and ensure our peace of mind. Tracey is an invaluable link between non- Italian speakers and the authorities involved in buying here. She arranged Codice Fiscale's, bank accounts, money transfers, notaio's, geometra's etc and also arranged work we wanted done at the house before we moved in. She even personally cleaned the house before we moved in and bought us the essentials of at least wine to see us through the first night after a long drive from North Wales. Most communications were via email, always prompt, truthful and courteous. After we had moved in and during that very unsure period she was available by phone or email to help and support us when dealing with utility companies, Sky TV and practically anything we asked of her. We wouldn't hesitate to recommend using the friendly and professional services of Abruzzo Reality.

For some time we were looking for a nice place to call our own in Italy, where we could have a relaxing time in between the rush of daily life, but could also rent during the high season. Looking over countless internet pages and visiting real estate sites we came across the site of "abruzzoreality.com". We couldn't have been more lucky.

From the start we had all the help that a 'stranger in paradise' could wish.

Together with Tracey we browsed the practically the whole of north Abruzzo for something suitable that had to be not only comfortable but also had to be fitting within our budget.

Because we were in the Netherlands, she visited several properties for us and came up with an extreme good property in Mosciano Sant'Angelo at the end of May. From that moment everything went in a current. Tracey and colleagues did literally everything for us. They took care of all the paperwork and she was our tower of strength during this hectic period. In only a few weeks we had to go to Italy to get everything straightened out and a few weeks later we could sign the contract. I'm sure that with our lack of knowledge about the Italian language and bureaucracy, we would have never done it in such a short period with such a fantastic result.

Our sincere compliments to Tracey for all her effort in helping us to obtain our apartment. Abruzzo Reality really put people before quick profits.

Thank you guys!

After deciding for ourselves that the region Abruzzo was for us the place in Italy to look for a vacation home, we came in contact with Tracey. Right from the start the contact was good and comfortable.  We never felt there was a main focus on the business side, or that we were being pushed in a direction we did not want to go.  Instead we always felt that it was up to us what kind of properties we wanted to view.  That Tracey had understood what our wishes were regarding the property and the location, became very clear when we were asked if we wanted to view a "mystery" property and fell for it right away.  It forfilled all the wishes we had for a property in Italy!

During the entire process, from start to end, we have always felt that Tracey was there to support us.  It was a very good feeling to know that a person with good knowledge of the Italian way of doing business was there to support us by doing the necessary paperwork or translation work.  Based on our own experience , we highly recommend working with Tracey Nicholas.

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.

I want to share the great experience I had with my agent Tracey. I’m a US resident and earlier this year I decided to make my dream of owning a home in Italy a reality. I was lucky to find Abruzzo Reality in my search.
Tracey was instrumental in refining my search and ultimate purchase in Abruzzo.
Having no idea how to purchase a property in Italy, she was able to help me through entire process. Even after the sale, Tracey helped me connect with locals to get the services I needed, from utilities to having work done.
The process couldn’t have have smoother and I highly recommend Tracey.

I cannot rate Abruzzo Reality highly enough. We were very fussy buyers!! We had a long list of things that we wanted from a house and we were beginning to think we would not find what we were looking for. It can be quite disappointing seeing what looks like a lovely property on the internet and then travelling all the way to Italy to find its next door to a factory!!
Vincenzo and Tracey however, took on board our requirements and showed us only properties that fitted the criteria we asked for. They were professional and their local knowledge of the area was invaluable. It was also nice to see that the sellers thought highly of them too.
They found us the property we eventually bought and convinced us to look at it even though we thought it might not be for us from the photos. They were right.
They guided us through the buying process and helped us every step of the way, always prompt with responses to our queries. The help did not stop after we signed the papers, they helped with bills, finding us local suppliers and services and even now help us if we have a problem or need to know where to find something.
I would highly recommend them to anyone thinking of buying in this area, with Tracey speaking English and Vincenzo’s local knowledge they make a great team.

After searching for 3.5 years and meetings with many brokers, we can safely say to have some experience. The meeting with Tracey and Vincenzo felt right from the first moment. The combination of Italian (Vincenzo) and English / Italian (Tracey) works very well. They have an extensive network, convenient from the first moment to the after sales care. The casual and friendly way of doing business is nice. The contacts are fast. Questions by email are quickly picked up and answered. They have the necessary knowledge and can inform you about all the things needed for the purchase and / or establishment in Abruzzo. If you are looking for a broker that works reliably and fast, you've come to the right place.

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.

We used Abbruzzo Reality for the sale of our house. Their service was very good and they were able to find a good number of people to look at the house. Once a buyer was found, all of the necessary documentation, notary appointments, handover of utilities were taken care of. I wouldn't  hesitate in recommending this company’s services.

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