42 UGLOBAL IMMIGRATION MAGAZINE
BETTER SAFE THAN SORRY : USEFUL TIPS FOR BUYERS
Before purchasing a property in Italy , the following points should be checked beforehand :
• PRICE : Make sure that the full price is declared in the transfer deed and do not accept any “ side agreement ” proposed by the seller . If you declare a lower price in the deed , in case of your next resale at market price ( higher than the one you have declared ) you are subject to pay a capital gain (“ plusvalenza ”) on the difference between the purchase price and the sell price .
• LANGUAGE : If you do not speak Italian , it may be necessary to have an interpreter who assists you while signing the contract with the notary ; typical fees might be around 1000 euros .
• BROKER : Sign a clear engagement letter if you use a broker , with detailed terms and conditions , be careful in granting exclusivity and set forth an expiration date . Standard brokerage fees range from 1 % to 3 %.
• D E P O S I T : Don ’ t pay any deposit before the “ compromesso ” ( preliminary contract ) is signed . If you are asked to pay a deposit upon submitting your proposal , ask to pay into a notary ’ s escrow account .
• PRELIMINARY CONTRACT : The “ compromesso ” ( preliminary contract ) is not mandatory , but it is strictly recommended so that the buyer can verify in advance all relevant aspects regarding the property . Therefore , despite being subject to a 200-euro registration fee and a proportional fee on the deposit ( 0.50 % on the amount , which will be detracted from final taxes ) it is definitely worth doing it .
• CHECK BUILDING CONDITIONS : You may want to get the building inspected or surveyed by a professional ( such as architect or geometra ) to check whether there are substantial renovation or repairs to be carried out . Unless you agree on specific warranties in the contract , the sale is usually made “ as is ” and you have limited recourses against the sellers , unless you prove that he acted maliciously .
• ESCROW PAYMENTS : Notaries are allowed by law to receive and keep in deposit ( in a separate escrow account ), any sums which the buyer is requested to pay ( generally 10 % advance deposit and the balance of the price payable at closing ). Transferring the funds to the notary is definitively safer and advisable , rather than wiring the funds to the broker or to the seller .
这需要缴纳 200 欧元登记费和按保证金一定比例收 取费用 ( 金额的 0.50 %, 将从最终税收中扣除 ), 但这 绝对是值得的 。
• 检查建筑物状况 : 您需要聘请一位专业人士 ( 如建筑 师或测量师 ) 来检查或勘测建筑物 , 以确定是否需要 进行大量翻新或维修 。 除非您在合同中商定了具体的 担保条款 , 否则房产通常是 “ 按现状 ” 出售 , 您对卖家 的追索权有限 , 除非您能证明他有恶意行为 。
• 托管款项 : 法律允许公证员接收并保管保证金 ( 在一 个独立的托管账户中 ), 即买家被要求支付的任何款项 ( 通常是 10 % 预付保证金和成交时应支付的余款 ) 。 与将资金汇给经纪人或卖家相比 , 将资金转给公证员 无疑是更保险和更明智的做法 。
MARCO MAZZESCHI
Marco Mazzeschi is an attorney at law and the founder of Mazzeschi S . R . L ., a leading firm in Italy specializing in business immigration and citizenship law . Mazzeschi S . R . L has offices both in Florence and Milan with a network of local counsels who can assist clients in all Italian cities . The firm assists HNW clients and foreign investors as well as more than 100 of the Fortune 500 compa-nies . Mazzeschi was admitted to the bar association of Milan in 1988 and admit-ted as a foreign practicing lawyer in Taipei in 2016 . He is working as an adjunct professor at the Chinese Culture University in Taipei , Taiwan .
Marco Mazzeschi 是一名律师 , 也是 Mazzeschi S . R . L . 的创始 人 , Mazzeschi S . R . L . 是意大利一家主要的商业移民和公民法律 公司 。 Mazzeschi S . R . L 在佛罗伦萨和米兰都设有办事处 , 在当 地拥有顾问网络 , 可以帮助意大利所有城市的客户 。 该公司为 高价值的客户和外国投资者以及《财富》 500 强企业中的 100 多 家企业提供帮助 。 Mazzeschi 1988 年考入米兰律师协会 , 2016 年在台北获聘为外籍执业律师 。 他是台湾台北中华文化大学的 兼职教授 。