How Much Can I Borrow in Italy?
Enter your net income, your savings and the expected rate: you will see the maximum price of the home you can afford, how big the mortgage would be and whether your income or your savings limit you.
General values (Italy). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
Enter your income, savings, interest rate and term.
A rough estimate with a fixed payment. Lenders will also look at your other debts and job stability.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter your monthly net income and the savings you have available.
- Add the expected rate and the term.
- Check the percentages filled in for Italy and change them if needed.
- See the maximum price, the breakdown and the limit that applies.
How it is calculated
Two prices are calculated and the lower one counts. By income: the mortgage whose payment is the chosen share of income, plus savings, minus costs. By savings: the price at which your savings exactly cover the part that is not financed and the costs. The percentages are guide values for Italy. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
- L'acquisto di una casa: le imposte — Agenzia delle Entrate
- Che reddito bisogna avere per richiedere un mutuo — Banco BPM
About this calculator
How it is calculated
Buying a home has two limits at the same time. The first is the payment: banks prefer it not to exceed 30–35% of net income. The second is savings: with 80% financing, the remaining 20% and the costs come out of your pocket. The calculator finds the price allowed by each limit and keeps the lower one.
What banks in Italy look at
Besides the payment-to-income ratio, the bank assesses job stability, other loans and your age at the end of the mortgage. For young people there are public first-home guarantees that allow financing above 80%.
Buying costs in Italy
Buying from a private seller with the first-home relief, registration tax is 2% of the cadastral value and the mortgage and cadastral taxes are fixed. On top come the notary and, if there is one, the agency (usually 2–3% plus VAT). The 5% filled in is a general value: check it with your bank or an adviser.
Frequently asked questions
What limits the price I can pay?
Two things together: your income sets the maximum payment (about a third of net income) and your savings must cover the part that is not financed plus the costs. The calculator compares the two limits and shows the one that counts.
Why are the costs not part of the mortgage?
Banks usually finance up to 80% of the value. Taxes, the notary and the agency are paid from your own savings.
Net or gross income?
Italian banks look at monthly net income. If you are buying as a couple, add your incomes together.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In Italy, lenders take those payments off your income before applying the percentage.
Updated 14 October 2026
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