Main documents required to apply for a Mortgage in Italy. Applicants with foreign income and residing abroad.
USA
This list is given for guidance only, each case may require further documentation.
PERSONAL DOCUMENTS
- Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
- Certificate of residence or utility bill (water/energy/gas...) confirming address;
- Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
- Copy of Marital Status /Marriage certificate or a document attesting if you are married or single;
- AIRE registration certificate (Italian citizens residing abroad).
INCOME DOCUMENTS
SELF-EMPLOYED | SALARY-EMPLOYEE |
---|---|
The most recent INDIVIDUAL INCOME TAX RETURN (Form 1040) | The last INDIVIDUAL INCOME TAX RETURN (Form W2) |
Your EIN - Employer Identification Number | The last 6 payslips (referring to the last 6 Months) |
Bank statements from the last 12 months (showing the list of transactions, the bank' s name and the account holder) | Bank statements from the last 12 months (showing the list of transactions, the bank' s name, the account holder and the salary deposit) |
Credit report (Equifax, Experian etc.), where your credit score is visible (Official name of the document varies – it should indicate the creditworthiness of the client, sometimes with a score.) | Credit report (Equifax, Experian etc.), where your credit score is visible (Official name of the document varies – it should indicate the creditworthiness of the client, sometimes with a score.) |
Proof of savings to be used for the purchase | Employment contract |
Personal Financial Statement | Proof of savings to be used for the purchase |
IMPORTANT NOTE
Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.
UK
This list is given for guidance only, each case may require further documentation.
PERSONAL DOCUMENTS
- Copy of passport (valid and signed);
- Council tax or a bill (water/energy/gas...) attesting your current residency address;
- Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
- Copy of Marital Status /Marriage certificate or a document attesting if you are married or single;
- AIRE registration certificate (Italian citizens residing abroad);
INCOME DOCUMENTS
SELF-EMPLOYED | SALARY-EMPLOYEE |
---|---|
The most recent tax return (confirming your total income for the previous year – in particular the page “View your calculation”) | The most recent personal tax return (confirming your total income for the previous year – in particular the page “View your calculation”) |
VAT CERTIFICATE (issued by HM Revenue & Customs) showing your VAT registration number | The last 6 payslips (referring to the last 6 Months) |
Bank statements for the last 12 months (showing the list of transactions, the bank' s name and the account holder) | Bank statements for the last 12 months (showing the list of transactions, the bank' s name, the account holder and the salary deposit) |
Credit report (Equifax, Experian etc.), where your credit score is visible (Official name of the document varies – it should indicate the creditworthiness of the client, sometimes with a score.) | The last P60 |
Proof of savings to be used for the purchase | Employment contract |
Credit report (Equifax, Experian etc.), where your credit score is visible (Official name of the document varies – it should indicate the creditworthiness of the client, sometimes with a score.) | |
Proof of savings to be used for the purchase |
IMPORTANT NOTE
Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.
NETHERLANDS
This list is given for guidance only, each case may require further documentation.
PERSONAL DOCUMENTS
- Copy of passport (valid and signed);
- Uittreksel uit de basisregistratie persoonsgegevens” Form, updated to the last 6 (six) months
- Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale)
- Copy of Marital Status /Marriage certificate or a document attesting if you are married or single;
- AIRE registration certificate (Italian citizens residing abroad).
INCOME DOCUMENTS
SELF-EMPLOYED | SALARY-EMPLOYEE |
---|---|
The most recent personal tax return “aangiftebiljet” (a document attesting your total incomes of the previous year issued by Belastingdienst). | The most recent personal tax return “aangiftebiljet” (a document attesting your total incomes of the previous year issued by Belastingdienst). |
Bank statements from the last 12 months (showing the list of transactions, the bank' s name and the account holder) | The most recent 6 payslips (referring to the last 6 months) |
Credit report (Equifax, Experian etc.), where your credit score is visible (it could be named differently from a Country to another. It is a document showing and resuming your creditworthiness. Sometimes a score is assigned. This document is issued by BKR in Netherlands) | Your last Jaaropgaaf |
Proof of savings to be used for the purchase | Bank statements from the last 12 months (showing list of transactions, bank' s name, account holder and salary deposit) |
Employment contract (i.e. MODEL-WERKGEVERSVERKLARING) | |
Credit report (BKR), where your credit score is visible (it could be named differently from a Country to another. It is a document showing and resuming your creditworthiness. Sometimes a score is assigned. This document is issued by BKR in Netherlands) | |
Proof of savings to be used for the purchase |
IMPORTANT NOTE
Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.
SWITZERLAND
This list is given for guidance only, each case may require further documentation.
PERSONAL DOCUMENTS
- Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
- Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
- Certificate of residency or a document issued by the municipality where you are resident, which certifies the residence address, updated to the last 6 (six) months;
- Certificate of Origin (for Swiss citizens) updated to the last 6 (six) months;
- Marriage certificate or a document attesting if you are married or single;
- AIRE registration, for Italian citizens resident abroad (if enrolled in the list);
INCOME DOCUMENTS
SELF-EMPLOYED | SALARY-EMPLOYEE |
---|---|
The last tax return (i.e. model “Decisione di Tassazione valid for Lugano) | The last salary certificate |
The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder) | The last tax return (i.e. model “Decisione di Tassazione valid for Lugano) |
Personal Credit Report (IKO, ZEK…), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness. Sometimes a score is assigned | The last 6/12 payslips (referring to the last 6 months) |
Bank statement with proof of the savings you would like to invest in the purchase | The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder and the salary deposit) |
Employment contract or employment confirmation letter | |
Personal Credit Report (IKO, ZEK…), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness. Sometimes a score is assigned | |
Bank statement with proof of the savings you would like to invest in the purchase |
IMPORTANT NOTE
Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.
GERMANY
This list is given for guidance only, each case may require further documentation.
PERSONAL DOCUMENTS
- Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
- Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
- Meldebestätigung to certify your residence address updated to the last 6 months;
- Marriage certificate or a document attesting if you are married or single;
- AIRE registration, for Italian citizens resident abroad (if enrolled in the lists);
INCOME DOCUMENTS
SELF-EMPLOYED | SALARY-EMPLOYEE |
---|---|
The last Hauptvordruck ESt 1 A - Einkommensteuererklärung | The last Lohnsteuerbescheinigung |
The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder) | The last Hauptvordruck ESt 1 A - Einkommensteuererklärung |
Personal Credit Report (Schufa), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness | The last 6/12 payslips (referring to the last 6 months) |
Bank statement with proof of the savings you would like to invest in the purchase | The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder and the salary deposit) |
Employment contract or employment confirmation letter | |
Personal Credit Report (Schufa), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness | |
Bank statement with proof of the savings you would like to invest in the purchase |
IMPORTANT NOTE
Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.
IRELAND
This list is given for guidance only, each case may require further documentation.
PERSONAL DOCUMENTS
- Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
- Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
- A bill we can use to certify your residence address updated to the last 6 months;
- Marriage certificate or a document attesting if you are married or single;
- AIRE registration, for Italian citizens resident abroad (if enrolled in the lists);
INCOME DOCUMENTS
SELF-EMPLOYED | SALARY-EMPLOYEE |
---|---|
The last tax return (model Paye/USC Statement of Liability for the Tax Year xxxx) | The last Employment Detail Summary |
The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder) | The last tax return (model Paye/USC Statement of Liability for the Tax Year xxxx) |
Personal Credit Report (Equifax, Experian, Central Credit Register Credit Report), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness | The last 6/12 payslips (referring to the last 6 months) |
Bank statement with proof of the savings you would like to invest in the purchase | The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder and the salary deposit) |
Employment contract or employment confirmation letter | |
Personal Credit Report (Equifax, Experian, Central Credit Register Credit Report), where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness | |
Bank statement with proof of the savings you would like to invest in the purchase |
IMPORTANT NOTE
Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.
FRANCE
This list is given for guidance only, each case may require further documentation.
PERSONAL DOCUMENTS
- Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
- Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
- The last Taxes Foncières to certify your residence address;
- Marriage certificate or a document attesting if you are married or single;
- AIRE registration, for Italian citizens resident abroad (if enrolled in the lists);
INCOME DOCUMENTS
SELF-EMPLOYED | SALARY-EMPLOYEE |
---|---|
The last Impôt sur les revenus | The last Impôt sur les revenus |
The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder) | The last 6/12 payslips (referring to the last 6 months) |
Statement of the “Fichier de la Banque de France” (can be requested at the following link) | The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder and the salary deposit) |
Bank statement with proof of the savings you would like to invest in the purchase | Employment contract or employment confirmation letter |
Statement of the “Fichier de la Banque de France” (can be requested at the following link) | |
Bank statement with proof of the savings you would like to invest in the purchase |
IMPORTANT NOTE
Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.
BELGIUM
This list is given for guidance only, each case may require further documentation.
PERSONAL DOCUMENTS
- Copy of passport (valid and signed) including the personal information and the cover, with the biometric symbol visible;
- Copy of your Italian Codice Fiscale (National Health System card currently valid, front and back or Certificate of allocation of the Italian Codice Fiscale);
- A copy of the “Attest Van Hoofdverblijfplaats” to confirm your residence address;
- A copy of the “Attest Van Gezinssamenstelling” to confirm the composition of your family unit;
- Marriage certificate or copy of the “Attest Van Wettelijke Samenwoning”;
- AIRE registration, for Italian citizens resident abroad (if enrolled in the lists);
INCOME DOCUMENTS
SELF-EMPLOYED | SALARY-EMPLOYEE |
---|---|
The last tax return | The last salary certificate |
The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder) | The last complete tax return |
Personal Credit Report where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness | The last 6/12 payslips (referring to the last 6 months) |
Bank statement with proof of the savings you would like to invest in the purchase | The bank statements referring to the last 6/12 months (showing list of transactions, bank’s name, account holder and the salary deposit) |
Employment contract or employment confirmation letter | |
Personal Credit Report where your credit score is visible. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness | |
Bank statement with proof of the savings you would like to invest in the purchase |
IMPORTANT NOTE
Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.
OTHER COUNTRIES
This list is given for guidance only, each case may require further documentation.
PERSONAL DOCUMENTS
- Copy of passport (valid and signed);
- Certificate of residence or utility bill (water/energy/gas...) confirming address;
- Copy of Marital Status /Marriage certificate or a document attesting if you are married or single;
- AIRE registration certificate (Italian citizens residing abroad);
INCOME DOCUMENTS
SELF-EMPLOYED | SALARY-EMPLOYEE |
---|---|
The most recent personal tax return (or a document attesting your total income in the previous year) | The most recent tax return (or a document attesting your total income of the previous year) |
Bank statements from the previous 12 months (showing list of transactions, bank’s name and account holder) | Bank statements from the previous 12 months (showing list of transactions, bank’s name, account holder and the salary deposit) |
Personal Credit Report (Equifax, Experian etc...), where your credit score is visible. This document has different names in each country – it shows an individual’s creditworthiness, sometimes with a score. | Employment contract |
VAT registration number (if issued) | The last 6 payslips (referring to the last 6 months) |
Company Registration Report (if issued) | Personal Credit Report (Equifax, Experian etc...), where your credit score is visible. This document has different names in each country – it shows an individual’s creditworthiness, sometimes with a score. |
Professional Register Certificate (if issued) | Proof of savings to be used for the purchase |
Proof of savings to be used for the purchase |
IMPORTANT NOTE
Details of outstanding loans/mortgages will be required, giving monthly rate, outstanding liabilities (approximate), expiry date, duration.
Online mortgage calculator for month repayments on first/holiday home for individuals or companies.
Mortgage CalculatorInformation on the costs of an Italian mortgage: registration fee, origination fee, brokerage costs etc.
MORTGAGE FEES IN ITALYHere's the list of preliminary questions you can answer to check your Mortgage eligibility. Take the test.
Eligibility Test