Ospedaletti Property
Ospedaletti Property

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For over twenty years we have built a network of the best professional agents in the most desirable locations. We offer our clients a tailored personal service. We make sure that buying your overseas property, from initial viewings to final purchase, goes as smoothly as possible.

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Ospedaletti Property

Guide to the Italian Buying Process

1. Making the Offer to Purchase (Offerta)
Once you have found the property you wish to purchase you will start the process by making a formal offer to the vendor, the estate agent will act on your behalf and put forward the offer, a deposit will be made available, generally around (10,000 - 20,000 EUR). Once the vendor has accepted the offer it will be formalised in writing to the vendor in both English and Italian. If this is accepted the deposit (Caparra Confirmatoria) will be paid to the vendor. This will form a legally binding contract. Neither party may withdraw at this point, the sale can be forced by either party or a claim for damages can be made. If the purchaser withdraws their deposit will be lost, if the vendor withdraws the purchaser can claim twice the deposit in compensation.

2. Signing the Preliminary Contract (Compromesso or Contratto preliminare)
The next step will take place between 1 and 3 months after the offer has been accepted, this is a formal agreement between the vendor and purchaser to sell and buy the property, this agreement is the Preliminary Contract and will contain the conditions and terms of the sale. It is important at this stage that you have a full understanding of all the details contained in the contract. We would strongly recommend that you appoint a Notary who is fluent in English. This document will include the purchase price, a detailed description of the property including completion date and will cover any obligations placed upon the buyer and the vendor. All information relating to the property including any planning permissions for the property and the cadastral details (a public record, survey, or map of the value, extent, and ownership of land as a basis of taxation). Once the Preliminary Contract (Contratto preliminare) has been signed a further deposit (Caparra Confirmatoria) will be paid, this will generally be 10% - 20% of the purchase price. There will also be an estate agents Commission Fee (Provvigione) which will need to be paid at this point.

3. Signing the Final Deed of Sale (Rogito or Atto Notarile)
The purchaser must have a bank account in order to make the purchase on completion. The signing of the final deed of sale which will authorise the transfer of the property must be overseen by a Notary (Notaio). The buyer will select and hire the Notary, but they are members of an independent body of public/professionals who will draft the purchase deed, they will oversee the passing of the title legally from the vendor to the purchaser. The Notary will also verify the legality of the documentation and registration with the Conservatoria dei Registri Immobiliari and the Local Land Register.

4. Formalities to be observed after Completion
Foreign buyers should obtain a certified copy of the Purchase Deed (Rogito), which the Notary will have lodged with the authorities. Generally this will be available to collect around 2 – 3 weeks after completion. The Notary will also give you a form to complete for the the local authority (Questura) who will have been given formal notice of the purchase. Your Notary will help you to complete this form. You will need to contact the utilities companies to set up new contracts (power, water, telephone, gas etc.). If the property is a flat, the condominium manager (Amministratore del condominio) should be informed of change of ownership of the property.

IMPORTANT - Disclaimer : All information provided is believed to be current and provided free of charge. No liability can be accepted for the reliability of the information and statements made as this is obtained from 3rd parties. We always recommend you take legal advice from a fully qualified Lawyer or Notary before buying a property overseas.

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Taxation

Various taxes must be paid on purchases. Registration tax / stamp duty (Imposta di Registro) is calculated on the government’s valuation of the property (Valore catastale). This will vary according to whether the property is being purchased as a holiday home, or as your primary residence. For a holiday home stamp duty will be 10% of the valuation. If you are intending to use the property as your primary residence and apply for residency (Prima casa), providing this is done within 18 months of the property transfer then stamp duty will be reduced to 3% for an existing property and 4% for a new build. This will be paid to the Notary on completion of the purchase.

Land registration, mortgage and cadastral taxes also need to be paid to the Notary on completion. These are one-off payments and are around €168 each.

Once the property has been purchased further taxes must be paid. There is a local council tax ICI/IMU property tax (Imposta Comunale sugli Immobili) of 0.4% to 0.9% of the property’s cadastral value. The rate for this is calculated annually by the council and paid bi-annually in June and December. This rate will be reduced if the property is the primary residence (Prima Casa).

If you are not resident in Italy you will have to declare any income gained from activities in Italy to the Italian Tax authorities. This income will also have to be declared in your country of residence, you will need a double taxation agreement to mitigate against paying twice. This declaration will apply to any income you might obtain from letting a property in Italy. Some expenses incurred on the property may be off-set against the income you derive from letting out the property. This can include management expenses, local taxes, repairs etc.

There is one tax which applies only to holiday homes, there will be a 20% Capital Gain on the difference between the buying price and the selling price if the property is sold prior to 5 years ownership.

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IMPORTANT - Disclaimer :
All information provided is believed to be current and provided free of charge. No liability can be accepted for the reliability of the information and statements made as this is obtained from 3rd parties. We always recommend you take legal advice from a fully qualified Lawyer or Notary before buying a property overseas.

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1 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

1 bedroom apartment for sale, Ospedaletti, Imperia, Liguria
260,000 EUR

1 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

Fine one bedroom sea front apartment enjoying spectacular sea views, located in the centre of Ospedaletti, near the beaches and all amenities. This delightful property has an entrance hall, liv...

REF: 220644
  • Floor Size: 58 square metres
  • Bedrooms: 1
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2 bedroom penthouse for sale, Ospedaletti, Imperia, Liguria

2 bedroom penthouse for sale, Ospedaletti, Imperia, Liguria
405,000 EUR

2 bedroom penthouse for sale, Ospedaletti, Imperia, Liguria

Splendid 2 bedroom penthouse with pool, enjoying breathtaking sea views, located just 200 metres from the beach in Ospedaletti. This magnificent property has a large terrace and is situated in ...

REF: 220300
  • Floor Size: 105 square metres
  • Bedrooms: 2
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1 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

1 bedroom apartment for sale, Ospedaletti, Imperia, Liguria
320,000 EUR

1 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

With lovely sea views, this 1 bedroom apartment is ideally situated within a quiet residential complex with concierge service and a communal swimming pool, located in a quiet and panoramic area of Osp...

REF: 220161
  • Floor Size: 60 square metres
  • Bedrooms: 1
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4 bedroom villa for sale, Ospedaletti, Imperia, Liguria

4 bedroom villa for sale, Ospedaletti, Imperia, Liguria
1,400,000 EUR

4 bedroom villa for sale, Ospedaletti, Imperia, Liguria

Well maintained 4 bedroom villa situated in an elevated setting within a large plot of 1,000m2 with stunning sea views. Located in Ospedaletti, this lovely home has large terraces, is very priv...

REF: 220159
  • Floor Size: 250 square metres
  • Plot Size: 1,000 square metres (0.10 hectares / 0.25 acres)
  • Bedrooms: 4
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2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria
300,000 EUR

2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

Beautifully and totally refurbished 2 bedroom apartment, with a total living area of 90m2 plus a terrace with stunning sea views, ideally located in a quiet setting within a lovely residential complex...

REF: 220157
  • Floor Size: 90 square metres
  • Bedrooms: 2
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3 bedroom villa for sale, Ospedaletti, Imperia, Liguria

3 bedroom villa for sale, Ospedaletti, Imperia, Liguria
349,000 EUR

3 bedroom villa for sale, Ospedaletti, Imperia, Liguria

Entirely refurbished 2 bedroom villa, ideally situated in a quiet setting on the first hill of Ospedaletti, set within a 800m2 garden with beautiful sea views. With a total well presented livi...

REF: 218850
  • Floor Size: 120 square metres
  • Bedrooms: 3
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2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria
1,700,000 EUR

2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

Luxurious and completely refurbished 2 bedroom apartment, with a total beautifully presented living area of 170m2, plus a large terrace with splendid sea views, ideally situated close to the beach, ri...

REF: 218848
  • Floor Size: 170 square metres
  • Bedrooms: 2
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2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria
380,000 EUR

2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

In a dominant position on a hill behind Ospedaletti, this lovely apartment is part of a villa with its own terrace and amazing sea view. The property has an independent entrance and is in ...

REF: 217907
  • Floor Size: 75 square metres
  • Plot Size: 1,500 square metres (0.15 hectares / 0.37 acres)
  • Bedrooms: 2
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4 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

4 bedroom apartment for sale, Ospedaletti, Imperia, Liguria
590,000 EUR

4 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

Set out over 3 floors, this spacious 4 bedroom apartment is ideally located just 300m from the sea and the beaches, in the Italian resort of Ospedaletti. Situated in a central area and with lov...

REF: 217695
  • Floor Size: 150 square metres
  • Bedrooms: 4
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2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria
490,000 EUR

2 bedroom apartment for sale, Ospedaletti, Imperia, Liguria

An elegant 2 bedroom apartment in Ospedaletti close to the town centre, the beaches and with superb sea view. The 124m2 property has been recently restored and enjoys a magnificent sea view an...

REF: 215711
  • Floor Size: 124 square metres
  • Bedrooms: 2
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