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 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!

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.

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.

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.

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.

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 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!"

My wife and I were dreaming about a house in Italy for years. After years of searching in Piemonte we moved our focus to Abruzzo. By luck we came in contact with Abruzzo Reality and started our search. Three holidays in a row, we flew to Pescara and toured around with Vincenzo en Tracey while they started to get to know us better and they discovered what we were looking for.  After about a year of looking, Tracey mailed us that she had the perfect house for us. She couldn’t have been more right. Now we found the house, there was the process of purchasing it. Luckily, Tracey knew the Italian formalities to be executed. We use our house as a holiday rental house during the summer. Without Tracey we could not have been able to organise this: she helps us with the laundry, the cleaning, the welcoming of the guests, and any issues that occur. It’s a comforting thought that she is so trustworthy. We are now enjoying our house and the fantastic region of Abruzzo.

Abruzzo Reality, what a brilliant team! We found them on the internet when searching for a property to buy in Abruzzo. The site is very easy to navigate, with good information, photos and detail of locations. We requested details of some properties and Tracey responded immediately, asking what our requirements were. We were very impressed with Tracey's complete honesty as to whether the properties would be suitable for us or not. The viewings were arranged and we found our property. With Tracey's guidance and input, answering our numerous queries, the whole process was completed in 2 months and we are now living here permanently. It all went seamlessly.
The Abruzzo Reality team do not stop at completion but continue to provide support, assisting us in opening a bank account, getting residency and arranging transfer of all the utilities, to us. They are always there to provide advice and assistance. We feel very lucky to have found them and if you are looking to buy in Abruzzo, put Abruzzo Reality top of your list.

We have moved from the USA to Montefino in the Province of Teramo, Abruzzo, Italy. By shear luck we googled Abruzzo properties and found Abruzzo Reality and Tracey! She and her colleagues were the most accommodating team that we could have asked for. Tracey speaks both fluent Italian and English so there has been no concern for a misunderstanding in translation. We incurred some daunting trials while acquiring our Elective Visas and Tracey went above and beyond the call of duty to assist us. If you are in the market for a home in Abruzzo, Abruzzo Reality is a must!

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!

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 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.

From the outset of meeting Tracey and Vincenzo, whilst looking for our dream home, they were incredible helpful and friendly, right to the completion date. No question we asked went unanswered and they went above and beyond to find answers to some tricky questions on our behalf. We felt very supported throughout the process with their expert knowledge and would recommend their services highly.

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!

“Thank you, Tracey for all your help with our house buying experience. You gave us support right through the process, from making our first visit to some potential properties to being with us at the final signing, and this was much appreciated. We feel that we have made the right choice of property to suit our needs and we really couldn’t have asked for a more pain-free process, which was mainly down to the way you kept in touch with us and sorted things out to help us. We feel that, for you and our estate agent, nothing was too much trouble and you went the extra mile on our behalf. We’d strongly recommend you to anyone else who is thinking of buying their dream home in Abruzzo. “

“Tracey, who works with a reliable Abruzzo estate agent through whom we purchased our property, was so incredibly helpful in guiding us through the bureacracy of Italian property purchase: in her safe hands, we didn't encounter any problems, and it all seemed straightforward. And now she is providing an excellent property management service: totally flexible, reliable, and not expensive: it just takes away all those little worries that you inevitably have when you're not actually there. It is so useful when someone knows a trustworthy builder, plumber or carpenter. We consider ourselves so fortunate.

We find few people in the UK have even heard of Abruzzo, let alone know where it is in Italy! It is simply glorious, it is "real" Italy, still (thank goodness) undeveloped, un-touristy and cheap. If you have children, like us, they are loved and spoiled. Go to Abruzzo, and see for yourselves! Tracey will give you the warmest welcome.”

Our search for a home in Abruzzo started at the end of 2017. After a lot of searching on the internet, we ended up on the website of Abruzzo Reality. What immediately struck us was that we could read this site in our own language. Which in itself was a plus. After the first mail we sent to Tracey, we were quickly surprised by her quick and professional answers. No question or comment was too much for her. She is the best in her profession and she has always supported us with advice and action. After we had visited our dream home and decided to buy it, she took care of all the administrative matters. From application Codice Fiscale, up to and including signing with the notary. Which was a great reassurance for us, knowing that we were assisted by someone who knew perfectly well how things work in Italy. Even after the purchase she still takes care of the administration and we can still contact her for advice. The smooth course of this sale has even prompted us to purchase a second home in Abruzzo. Without Tracey there was a big chance that our purchase would end up as a nightmare, now it remains a dream, thanks to her! We can therefore highly recommend Abruzzo Reality.

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.

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.

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