{"id":421,"date":"2026-05-25T14:23:11","date_gmt":"2026-05-25T14:23:11","guid":{"rendered":"https:\/\/mittalien.de\/buying-a-home-in-italy-with-a-german-payslip\/"},"modified":"2026-07-20T14:46:16","modified_gmt":"2026-07-20T14:46:16","slug":"buying-a-home-in-italy-with-a-german-payslip","status":"publish","type":"page","link":"https:\/\/mittalien.de\/en\/buying-a-home-in-italy-with-a-german-payslip\/","title":{"rendered":"Buying a home in Italy with a German payslip"},"content":{"rendered":"\t
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Financing your home purchase in Italy when your income isn’t Italian<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t

You’ve found the house, or you’re about to. The sticking point is financing: Italian banks can lend to people working abroad, but they struggle to assess income they don’t recognize. That’s my job: to work out if and how your profile can be financed, and to coordinate the entire process through to the notarial deed.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\tBook the preliminary call \u2014 60 minutes, \u20ac50<\/a>\t\t\t\t\tHow the process works<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\t\n\n\t
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The problem<\/p>\n\t\t\t\t\t\t\t\t\t\t

Why doing it alone costs you months<\/h2>\n\t\t\t\t\t\t\t\t\t\t

If you live outside Italy, financing goes through a narrow door. Your bank, in the country where you work, is unlikely to issue a mortgage on an Italian property \u2014 the collateral is outside its reach. Italian banks can do it, but few of them are able to assess a German payslip, a foreign employment contract, or a credit history built in another system.<\/p>\n

Anyone who has tried knows the result: months of emails, documents requested twice and translated three times, vague answers that are neither a yes nor a no. Not because your profile is weak \u2014 it’s often excellent. Because no one is presenting it in the right format to the few right banks.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\t\n\n\t

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Who this is for<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t

This service is for those who live and work abroad, have solid income, and have already chosen \u2014 or are choosing \u2014 a property in Italy. Your problem isn’t \u201chow do I buy a house in Italy\u201d: it’s how to finance the deal and reach the notarial deed without mistakes.<\/p>\n

I don’t do property hunting: you choose the house. I take care of everything needed to make it yours.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\tBook the preliminary call \u2014 \u20ac50<\/a>\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\t\n\n\t

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How it works<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

The process in 5 steps<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Before proceeding with the purchase, we put your personal situation, feasibility, documents, and operational steps in order.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t

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1<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Preliminary call<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

We frame your situation: income, goal, status of negotiations. I explain if and how your profile could be financed. At this stage I don’t analyze documents (60 minutes, \u20ac50).<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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2<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Engagement and quote<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

If you decide to proceed, you receive a quote with clear, itemized costs. The operational service starts only from here.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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3<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

File and banks<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

I analyze the documents, build the file, select the suitable institutions, and present your profile.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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4<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Checks and coordination<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

I coordinate the property checks and the professionals involved, keeping the timelines of bank, notary, seller, and agency aligned.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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5<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Preliminary agreement and deed<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

I guide you through to the signing \u2014 in person or by power of attorney \u2014 with every document ready and translated.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\t\n\n\t

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Preliminary advice<\/p>\n\t\t\t\t\t\t\t\t\t\t

Financing is built in Italy, not in the country where you work<\/h2>\n\t\t\t\t\t\t\t\t\t\t

Almost everyone starts with their own bank abroad. It’s the familiar route, and almost never the right one. The viable route runs through Italian banks \u2014 on one condition: that your income is presented in a way they can actually assess.<\/p>\n

In many cases, financing up to 100% of the purchase is possible. This isn’t a promise \u2014 it depends on your individual profile. Which route is viable is exactly what we clarify on the call.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\t\n\n\t

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The call in brief: what’s included, what isn’t<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Included: framing of your case, an explanation of how your profile could be financed, and guidance on the route to explore and the next steps.<\/p>\n

Not included: document analysis, bank search, translations. These activities start only once you engage the service.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\tBook the preliminary call \u2014 \u20ac50<\/a>\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\t\n\n\t

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One point of contact, three functions<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t

What I offer is strategic and operational consulting for buying property in Italy: research and selection of banks, document coordination, and coordination of the legal support provided by third-party professionals. Put simply: I save you months of confusion and bring the right people to the table.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\tCheck your case<\/a>\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\t\n\n\t

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Before you sign<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

The checks that protect your investment<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t
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Checks<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Preventive checks<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Before signing, the property must be checked: mortgage status, zoning and land registry compliance, chain of ownership, condominium status. These checks are carried out by third-party experts whom I coordinate.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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Taxes<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Taxes and residency<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Tax regimes exist for those who move their residency to Italy. My role is to frame the context and coordinate specialist advisors \u2014 I don’t replace your accountant.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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Transparency<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

How much it costs<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

The preliminary call costs \u20ac50 and lasts 60 minutes. The full service is activated only once you engage it. You receive a quote with every item clearly listed: no surprise figures.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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Presence<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Remote purchase<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

If you live abroad, you don’t need to be present at every step: the offer, preliminary agreement, and notarial deed can all be handled through a power of attorney, with every document prepared and translated in advance.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\t\n\n\t

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Find out if your profile can be financed<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Book the preliminary call: 60 minutes, \u20ac50, payment at booking. Choose a day and time from the calendar. The call takes place in Italian, German, or English.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\tBook the preliminary call<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\t\n\n\t

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Transparency<\/p>\n\t\t\t\t\t\t\t\t\t\t

What I don’t promise<\/h2>\n\t\t\t\t\t\t\t\t\t\t

I don’t guarantee loan approval, the outcome of the purchase, or fixed timelines: final decisions rest with banks, the seller, and the professionals involved \u2014 not with me.<\/p>\n

What I do assure you is something else: an honest assessment of your case \u2014 even when the answer is \u201cit’s not worth proceeding\u201d \u2014 and a process in which every step has an owner, an order, and a reason.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\t\n\n\t

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FAQ<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Frequently asked questions<\/h2>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t
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Why is the call paid?<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Because it’s an hour of work on your case, not a sales pitch: you leave the call with a concrete picture \u2014 whether your profile can be financed, through which options, and with what next steps. And it keeps the conversation between people who are serious, on both sides.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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Does the call guarantee I’ll get financing?<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

No. The call is meant to give you a preliminary assessment of your case and point you in the right direction; approval depends on the banks and your profile. No step in the service guarantees the outcome.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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Do we analyze my documents during the call?<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

No. The call is preliminary advice: it frames your situation and explains how your profile could be financed. Document analysis, the bank search, and translations only begin once you engage the service.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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Do I need to have already chosen the house?<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

It’s not mandatory, but the service works best when there’s a specific property, or at least a defined area and budget: the process is designed for those ready to act, not those still exploring.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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Can I buy without being in Italy?<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Yes. The offer, preliminary agreement, and notarial deed can all be handled through a power of attorney, with documents prepared and translated in advance. This is a normal part of the process I coordinate.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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What language do we work in?<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

Italian, German, or English \u2014 whichever you prefer. Documents for the bank and the notary are prepared in the language and format required.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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If I move to Italy, are there tax benefits?<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

There may be regimes designed for new residents, but every situation is individual. My role is to frame the context and coordinate specialist advisors \u2014 I don’t replace your accountant.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t

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How much does the full service cost?<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t

It depends on your case. Before you engage the service, you receive a quote with the consulting and coordination fee and every other item listed individually: translations, coordination of legal and notarial support, and a power of attorney if needed. You decide with the numbers in front of you.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\t\n\n\t

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The next step is a 60-minute call<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t

If your income isn’t Italian but the house you want is, the fastest way to figure out your next move is to talk to someone who does this for a living. Book the call: \u20ac50, 60 minutes, an answer about your case.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\tBook the preliminary call<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_brandd_show_page_title":false,"footnotes":""},"class_list":["post-421","page","type-page","status-publish","hentry"],"yoast_head":"\nFinancing a home in Italy with non-Italian income - Mittalien Studio<\/title>\n<meta name=\"description\" content=\"Do you live abroad and want to buy a home in Italy? I'll tell you if and how your profile can be financed, and coordinate the entire process through to the notarial deed. Preliminary call: 60 minutes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mittalien.de\/en\/buying-a-home-in-italy-with-a-german-payslip\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financing a home in Italy with non-Italian income \u2014 Mittalien Studio\" \/>\n<meta property=\"og:description\" content=\"Do you live abroad and want to buy a home in Italy? I'll tell you if and how your profile can be financed, and coordinate the entire process through to the notarial deed. 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