Main required documents to apply for a Mortgage in Italy. Applicants with foreign income and residing abroad.

USA         UK        NETHERLANDS        OTHER COUNTRIES    


USA

This list is given for guidance only. More precise documentation to apply for a mortgage in Italy will be required case by case.

PERSONAL DOCUMENTS
  • Copy of passport (signed and currently valid). Copy of outside cover is required too, so that the biometric symbol is visible;
  • Residency certificate or a bill (water/energy/gas…) attesting the residency 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 last INDIVIDUAL INCOME TAX RETURN The last INDIVIDUAL INCOME TAX RETURN
Your EIN - Employer Identification Number The last 6 payslips (referring to the last 6 Months)
The bank statements referring to the last 12 Months (showing the list of transactions, the bank' s name and the account holder) The bank statements referring to 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 (it could be named differently from a Country to another. It is a document showing and resuming your creditworthiness. Sometimes a score is assigned.) 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.)
An evidence of your savings that you are planning to use for the purchase Employment contract
An evidence of your savings that you are planning to use for the purchase

CLARIFICATIONS

Description of outstanding loans/mortgages will be required. Please, specify: instalment amount, outstanding liabilities (approximative), expiry date, duration.

UK

This list is given for guidance only. More precise documentation to apply for a mortgage in Italy will be required case by case.

PERSONAL DOCUMENTS
  • Copy of passport (signed and currently valid);
  • Council tax or a bill (water/energy/gas...) attesting your current residency address;
  • Copy of Marital Status or a document attesting if you are married or single;
  • AIRE registration certificate (Italian citizens residing abroad).
INCOME DOCUMENTS
SELF-EMPLOYED SALARY-EMPLOYEE
The last personal tax return (the document attesting your total incomes of the previous year – the page “View your calculation” in particular) The last personal tax return (the document attesting your total incomes of the previous year – the page “View your calculation” in particular)
VAT CERTIFICATE (issued by HM Revenue & Customs) showing your VAT registration number The last 6 payslips (referring to the last 6 Months)
The bank statements referring to the last 12 Months (showing the list of transactions, the bank' s name and the account holder) The bank statements referring to 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 (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 P60
An evidence of your savings that you are planning to use for the purchase Employment contract
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.)
An evidence of your savings that you are planning to use for the purchase
CLARIFICATIONS

Description of outstanding loans/mortgages will be required. Please, specify: instalment amount, outstanding liabilities (approximative), expiry date, duration.

NETHERLANDS

This list is given for guidance only. More precise documentation to apply for a mortgage in Italy will be required case by case.

PERSONAL DOCUMENTS
  • Copy of passport (signed and currently valid);
  • Residency certificate or a bill (water/energy/gas...);
  • Copy of Marital Status or a document attesting if you are married or single;
  • AIRE registration certificate (Italian citizens residing abroad).
INCOME DOCUMENTS
SELF-EMPLOYED SALARY-EMPLOYEE
The last personal tax return “aangiftebiljet” (a document attesting your total incomes of the previous year issued by Belastingdienst). The last personal tax return “aangiftebiljet” (a document attesting your total incomes of the previous year issued by Belastingdienst).
The bank statements referring to the last 12 Months (showing the list of transactions, the bank' s name and the account holder) The last 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
An evidence of your savings that you are planning to use for the purchase The bank statements referring to the last 12 Months (showing list of transactions, bank' s name, account holder and salary deposit)
Employment contract
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)
An evidence of your savings that you are planning to use for the purchase
CLARIFICATIONS

Description of outstanding loans/mortgages will be required. Please, specify: instalment amount, outstanding liabilities (approximative), expiry date, duration.

OTHER COUNTRIES

This list is given for guidance only. More precise documentation to apply for a mortgage in Italy will be required case by case.

PERSONAL DOCUMENTS
  • Copy of passport (signed and currently valid);
  • Residency certificate or a bill (water/energy/gas…) attesting the residency address;
  • Copy of Marital Status or a document attesting if you are married or single;
  • AIRE registration certificate (Italian citizens residing abroad).
INCOME DOCUMENTS
SELF-EMPLOYED SALARY-EMPLOYEE
The last personal tax return (or a document attesting your total incomes of the previous year) The last personal tax return (or a document attesting your total incomes of the previous year)
The bank statements referring to the last 12 Months (showing list of transactions, bank’s name and account holder) The bank statements referring to the last 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. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness. Sometimes a score is assigned. 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. It could be named differently from a Country to another. It is a document showing and resuming your creditworthiness. Sometimes a score is assigned.
Professional Register Certificate (if issued) An evidence of your savings that you are planning to use for the purchase
An evidence of your savings that you are planning to use for the purchase
CLARIFICATIONS

Description of outstanding loans/mortgages will be required. Please, specify: instalment amount, outstanding liabilities (approximative), expiry date, duration.

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