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 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 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 do not know where we would be if it weren't for the assistance provided by Tracey. She made every step of the buying process effortless as well as assistance above and beyond the actual purchase. Everything was explained in detail and their knowledge of the area, details and contacts were invaluable. She is an asset to the continued management of our property and have no hesitation in recommending her to anyone contemplating buying or selling property in Abruzzo.

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.

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.

Property transactions are invariably by their very nature stress inducing, especially when involving an unfamiliar language and legal system. Complete trust in any company chosen for marketing and conveyancing is paramount and it was clear to me from my first conversation with Tracey that I had at last found the person I'd been looking for.

The sale of my property involved a particularly challenging problem which on several occasions appeared almost impossible to resolve. Tracey however is a person who inspires confidence almost as though failure is not an option and I have no doubt that without her skill and involvement the house would still be for sale and likely to stay that way.

From my personal experience of property ownership in Abruzzo I believe the service this company provides is unique and only wish that I'd found such an agency in 2004 when I first dipped my toes into Italian living.

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!

Buying property in a foreign country can be intimidating without a trusted guide. Tracey is that person. We have worked with her since 2010. She helped us buy our first home in Abruzzo, and when it became to small, sold it for us and helped us buy a larger one. She also cares for our property and manages the necessary paperwork in our absence for very reasonable fees. She is high energy and clearly enjoys what she does, but what most impresses us is how she continually goes above and beyond what a normal estate agent would do to help with the many small things -- even those not directly property related. If you are looking to buy in Abruzzo, you can rely on Tracey to provide you honest service, good advice, and service long after the sale.

After struggling to buy a house in Abruzzo for over a year, Abruzzo Reality made it happen for us. They turned out to be very helpful in ensuring we did not have any surprises and easing the, sometimes, arduous process of buying a house. They really pushed the boat out; sorting out difficulties with land boundaries and in particular, after purchase, they were very helpful in introducing us to a wide range of local craftsmen and builders to ensure we had a choice of who refurbished the property. We couldn't have asked for more, they supported us all along the way and were transparent and straightforward in all the negotiations. We would have likely given up long ago if it were not for their support!

In our search for houses in Abruzzo we came across several kind and helpful people in the various real estate agencies. However, from the very beginning Tracey has given us kind, informative and immediate responses to all our questions. So, when we met Tracey at our first trip to Abruzzo there was no doubt in our mind to chose her and Abruzzo Reality to help us.

Tracey has been guiding us from the first step of the Italian buying process until we finally received the keys to the house. And we are convinced that Tracey will ensure that the process of renovating the house will be as smooth as possible. Thank you.

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.

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.

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!

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.

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.

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!!

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!

We bought our house via Abruzzo Reality a couple of years ago. We contacted them via internet and went to Abruzzo to have a look at several houses that were available at that moment. Tracey organised the trip to the different houses and yes...We fell in love with one particular house. From that moment on, Tracey took care of everything for us to be able to buy the house. Even now, when bills have to be paid, when meetings have to be organised and other problems have to be solved, she takes care of it. She took care of finding a gardener, someone to take care of the pool, etc...
In other words, she's taking care of everything when we aren't there and we know we can rely on her. Keep up the good work, Tracey! Thanks for helping us!

Tracey has made the selling of our Abruzzese property painless. She has coped with all the bureaucracy for us, and made a potentially very stressful time, into a positive experience. If only all house buying was that simple; much more certain and secure than in the UK. Many 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.

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