Italian mortgage calculator for foreign buyers

Estimate the maximum price you could pay for a home in Italy, based on the rules Italian banks apply to non-residents.

What could you buy in Italy?

A quick estimate based on how Italian banks assess non-resident buyers. Nothing you type leaves this page.

Adjust the assumptions
Estimated maximum purchase price
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Mortgage
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Deposit from your savings
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Taxes, notary and agency (est.)
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Monthly payment
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Indicative only, not a loan offer or financial advice. Banks also look at your country of residence, currency, employment type and credit history. Purchase costs of around 10% assume a second home bought from a private seller.

How the estimate works

Italian banks look at two limits and lend the lower of the two.

Loan to value

Non-residents can usually borrow 50% to 70% of the purchase price. Italian citizens living abroad may get up to 80%. The rest of the price, plus taxes, notary and agency fees, comes from your savings.

Debt to income

The monthly payment on the new mortgage, plus any other loans, should stay under roughly a third of your net monthly income. Some banks discount income earned in a foreign currency.

Purchase costs

For a second home bought from a private seller, budget around 10% of the price for registration tax, notary and agency fees. Buying a main residence, or from a developer, changes the taxes.

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