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ITALIAN REAL ESTATE MORTGAGE
FOR ITALAN EXPATRIATES
AIRE
THE SURROGA
TO ITALIAN EXPATRIATES - AIRE
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FOR REFINANCE OLD REAL ESTATE MORTGAGE
WITH NO BANK AND NOTARY FEES .
MINIMUM 200.000-EURO
Other Mortgages Procedures
>> Buy & Restore mortgage in Italy procedure explain <<
>> Restore only mortgage in Italy procedure explain <<
>> Mortgage to Buy in Italy procedure explain <<
VERY IMPORTANT NOTICE
HOUSE HABITABILITY CERTIFICATION
IS REQUIRED
MORTGAGES ALREADY UNDER ANALYSIS AT ANOTHER BANK
MORTGAGES FOR SURROGA
LIQUIDITY WITH A RESIDUAL VALUE OVER 60%
ARE NOT PROCEDIBLE
PLEASE READ WITH ATTENTION THE FOLLOWING TEXT
THE SURROGA MORTGAGE
The
Surroga mortgage, can have a duration of up to 20 years.
to submit the Surroga request to the banks it is necessary to have the cadastral data of the property that will be given as guarantee, in the case of a loan for refinancing (subrogation) it is necessary to produce a copy of: deed of origin (purchase deed), old contract of mortgage, Transcription Note of the old mortgage contract, certificate of
habitability.
The house which is the subject of the mortgage must be registered in the urban land registry (CEU), the value of the properties is identified with an appraisal drawn up by a trusted technician of the bank that provides the mortgage.
The loan for refinancing (subrogation) can be granted up to a maximum of 60% of the commercial value of the property, with a minimum loan of 150,000 euros, this value is identified by means of an appraisal prepared by the surveyor appointed by the bank. The property must have the certificate of habitability (1).
IMPORTANT NOTE, the value of the property is established by an appraisal issued by the bank's technician, this appraisal has extremely low values, compared to the disbursement values of the mortgage to be
subrogated, therefore requests for
SURROGA are not accepted for residual amounts exceeding the 60% of the original mortgage capital to be replaced
Expenses
The borrower pays directly:
1) No notary fee (it is paid by the bank)
2) Ugo's services
Sums that the bank deducts from the disbursement of the mortgage:
1) No taxes on the registration of the mortgage placed as a guarantee for the loan.
2) No Survey prepared by the surveyor appointed by the bank (it is paid by the bank)
3) No bank charges
4) Fire insurance on the property
For have a first feasibility of The Real Estate Mortgage Refinance in Italy
that you are able to bear
>> Fill and send this form to Ugo <<
The Italian Mortgage grant , is subject by a finally bank approval
Professione esercitata a norma della legge 14-01-2013-nr.4