Happy Fri-yay 🎉 We found some treasures in Tuscany this week, so we had to go back. The main home we are showcasing has the prettiest outdoor space, HHT, Italian charm and a surprise... who doesn't love a surprise?! We are also sharing four One-Minute Wanders, starting at €33K, woo hoo! Be sure to like and subscribe so you don't miss out on the fun: www.youtube.com/@wanderingwithwine?sub_confirmation=1
So enjoy wandering with J&B on Friday evenings! We are 75 and 77 and ready to move to Italy at least part time.. We love this show! We just need a single level..I bet you find one soon!
Hi you guys! I’m super late finishing the episode this week - just had to say, great work finding more fabulous deals on some amazing properties! All five are pretty great … and the prices on the OMWs are insane! You two just continue to step it up with new additions to your show and you make it so fun for us! You’ve come so far from your first episodes - love, love, LOVE it! ❤❤❤ I vote YES to the W3 gathering at that vineyard! It’s gorgeous!!! The long table, the views, the lights …. the vino! And most importantly … the great company, bringing the W3 family together! Tuscany has my heart - and I love that you continue to show that you don’t have to have a million bucks to get a place there. It’s within our reach! Our (collective) Italian dreams ARE possible! Can’t wait to see what you have in store for us next! Ciao for now … and Salute! ❤
Hiiii Meredith!! So grateful you take time out of your week to join us, whenever that may be. As always, thank you for your sweet words and encouragement 🥰 We watch some of our first videos and we have definitely evolved 😅 Okay, you’ve just RSVP’d for our W3 meetup!!! 😉 Tuscany is totally in reach, which IS so nice to show to folks, because even agents make you feel like a deal can’t be had. Thank YOU for being here with us!! Happy weekend 😘💗
I like that you include vets, hospitals and pharmacies. I'm interested in finding a deconsecrated church with rectory for sale 😊..I'd want to turn the church into a performance space. Preferably, the church still has all the pews still installed 😊 also we'd be looking for art supply stores in the area 😊
Windows beside a door are called sidelights, as I recall.😊 You aren't touching that bathroom wall, Jaimi! 😂😅😂😅😂 I love the colors. If you can expand that flag, you might be able to read what it says on the flag in that one bedroom. Ciao!
Come on guys…I already knew you were the coolest! The funnest! The most informative while very entertaining. But my appreciation and affection, for you both, went through the roof when you shared your past vacation adventures involving Dug the Seagull🥰😘 And love the pics of you with the pups on the beach❤ Oh, and of course, the episode, the listings, the commentary, all rocked. 😉
WOW you guys! All of those were actually pretty darn fab!!! Hey I have seen that "spa" house they bought way back when on some channel...was it Dave's? IDK too long ago. WOW they are so lucky. They did some great work on it. It is incredible just how many wonderful places there are and the potential. Excellents finds as always! Thank you! Quite enjoyable!
Hiii Rachel!! Yay, so happy you like them too 🥰 The house Lee and Christine bought?… not sure if Nick has been to Puglia, but maybe. Isn’t it a beauty? Thank you, doll!! We appreciate you so much 😘
Hello Jaime & Biaggio . I cannot believe it's Friday already. Thanx for the fun Friday properties. Sharing. Gina in Upstate New York USA moving to Italy/Portugal
Ciao amici, a bit tardy lately as decided to support the Australian Olympic team by having the longest cold ever then exacerbated by repainting the interior of my house myself, so healed up but still a busy beaver 😛😂👍. Anyway, Fab U Lous finds Again! Loved the first house (somebody buy this 😊), and the others, particularly the one confusingly says in Roccastrada in the listing but actually in Roccatedarighi, even better location. 😊 And beautiful outfit Jaime, is that a Wandering Tee I see there? Will buy one when able. And the painting faux pas 😂, and Vodafone voices. Love your work as uszh! Bravo, Ciao, & Salute caras 👏😁🏡🍷💐
Hiii Jenna 👋🏼 OMGsh… glad you’re on the mend!! Repainting your house on your own?! Woah, that’s a lot of work! Glad you liked the homes. Thank you and yep that is one of my W3 tees 😄 Always enjoy hearing from you!! Thank you for your support and encouragement always 💗
Hey lovelies - you've done it again! Beautiful properties - all of them. If I had the funds, I would put an offer in on either the main property or the first OMW. If I had excess funds, I would buy both - one for me, one for my son. The kitchens in both properties stood out for me - I love them. I enjoy cooking very much, so need to have a good kitchen as no. 1 priority. The ceilings in the main property are drool-worthy. Having the Spirit place close by would be a bonus, especially when family & friends visit - the views are awesome. Both had lovely bathrooms & big bedrooms too, beautiful floors ... I could go on & on. Still a dreamer & always will be when it comes to Italy. Thanks for your efforts once again - you're very much appreciated. Have a lovely Sunday - see you next week! Salute 🍷🍷🥂🥂😘😘
Hiiii sweetheart!! We really like those too. We agree, a nice kitchen is a must. I still love that kitchen from the Posta Fibreno home a few months ago 😍 That big lottery win is happening, doll!! 💰 Hope you’ve had the best week, TGIF for you!! ❤️✨
The best!! We quote this movie a few times a week 😆 B said “Bend over and I’ll show you” but it got cut from this episode 🤣🤣🤣 Thanks for visiting with us - have a great weekend ✨
Hiii Kim!! I was thinking Mr and Mrs had separate beds, whoops! Appreciate you popping in to visit with us and sharing your Brady Bunch knowledge 😃 Have a fantastic weekend!!❤️✨
Hi Rana 👋🏼 Thanks so much 🥰 We have been talking about that actually… what would you consider a high-end home… multiple bedrooms and bathrooms, lots of land, pool, budget?
Hiii Alan!! Thank you for the kind words, we appreciate it 🥰 We have had some requests for France, and we talk about Greece. We will see what we can make happen and you’ll be the first to know ✨
Great video you two! I have a techy question: When I use google earth I get an image that pops up displaying buildings within the town. How did you have that removed so when it zooms into the city that is all you see. I also have icons on the bottom right of the google earth page but I do not see them on yours. Any guidance is welcome! Cheers!!
Happy New Year 🎊 So sorry we missed your comment and question!! Wonder if it’s a browser setting, because it’s automatically not there for us 🤔 Which icons do you have showing on the bottom right, you can’t close them like the walking/driving, terrain, etc.?
@@wanderingwithwine I forgot I wrote that question to you guys. I was probably watching an episode of wanderingwithwine and having a bit myself:). no worries my future neighbors:)
Hi Mel 👋🏼 The good news is that Americans can purchase property in Italy. It starts getting complicated if you need a mortgage. A lot of our subscribers have used the equity in their homes to purchase an Italian property, instead of trying to get a mortgage in Italy because it's a tricky process for non-residents. Not to say you can't get a loan, but tough for a non-resident and usually you can only finance 50% of the purchase price. Here is a blurb from a site that we reference often (link below): 3. Financing the Property Purchase If the property purchase is completed with the assistance of a mortgage, it is essential to deal with all the necessary banking and legal arrangements before signing the contract. It is possible to apply for a mortgage in Italy or from a lender in your home country registered to lend mortgage funds within the Italian territory. In Italy bank mortgages cover most of the sale price of the property, and may be agreed in Euros, or any other foreign currency. However, for non-residents it is likely that banks will not lend more than 50% of the purchase price. If you wish to obtain a mortgage, either for the purchase or for possible renovation expenses, please note that the mortgage structure in Italy is very different to what you may be used to. In fact, while base rate may seem low, other charges may apply. For example, set-up fees are normally higher due to less competition. It is highly recommended to get an independent financial adviser on board before submitting the mortgage application. Our lawyers and accountants specialise in banking and financial matters, providing you with both, legal and financial assistance, to obtain a mortgage. Moreover, we would be glad to introduce you to our trusted Italian based mortgage brokers who will be able to advice you on both Italian- and EU-based mortgages for your Italian property purchase or renovation. Before applying, it is advisable to budget for all the cost of a property purchase. Indeed, the buyer is responsible for paying the notary, the estate agent and the geometra fees, as well as any legal representative fees. The buyer is also charged with all sale and transfer of property fees. Obviously, where an Italian property is already subject to a mortgage, it will be necessary to agree with the vendor that the existing mortgage will be paid off - and the corresponding entry on the Local Land Registry cancelled - before completion of the acquisition. The assistance of a local real estate lawyer is required and the procedure may be expensive and time consuming. Alternatively, it could be possible to agree with the vendor and the bank that the buyer will take over the mortgage (Accollo del Mutuo). In such case, it is essential to check the state of the past repayments and the terms of the original mortgage agreement. Other restrictive clauses may be included in the documentation submitted to the buyer, such as limitations of liability, lack of any legal commitments on the part of the seller, etc. The presence of these one-sided clauses can be spotted usually by the request to sign the same document twice for ratification. This is a requirement of Italian law for unfair, unbalanced or unusual clauses, and should be a warning to the foreign buyer not to sign the particular document, without receiving prior legal advice. Here is the website: theitalianlawyer.com/how-to-buy-a-property-in-italy-guide/ You'll also need an Italian bank account and not all banks in Italy offer a non-resident account, but Banca Etica does, so that might be a good place to start: www.bancaetica.it/prodotti/conto-estero-privati/ (use can use "translate" in your browser to translate Italian to English). Here is a contact page as well: www.bancaetica.it/contatti/. Some more info with a link below... What if I am not resident in Italy yet? It is possible to open a bank account as non- resident - “conto corrente estero”- for those who are not registered at an Italian address with an Italian Comune and are not spending 183 days/year or more in Italy. However, not all banks allow this, some banks only allow limited services and operations for non-resident bank accounts. The documents requirements to open a non-resident account are the same as the resident account, nevertheless the bank may request additional financial documents to perform their due diligence. When choosing a bank, it is also important to consider: The kind of bank account you are interested in (conto corrente “checking account”, conto di risparmio “savings account”, conto cointestato “joint account”, conto di deposito “deposit account”) The fees and monthly limits in transactions and ATM withdrawals The services offered (e.g. mortgages, renter’s guarantees, high interest savings accounts The availability of physical branches in the area you plan to relocate to Account closing terms and conditions. It is advisable to ask an expert to check which bank suits best your needs, also depending on your purposes of stay in Italy, e.g. if you are retired, working or if you are an investor. www.mazzeschi.it/foreigners-opening-a-bank-account-in-italy/#:~:text=It%20is%20possible%20to%20open,year%20or%20more%20in%20Italy. Hope this helps!! ✨🇮🇹
Ciao ragazzi! We watched this morning as a Wandering with Waffles 🧇😉 And like a couple other viewers mentioned already, that flag represents the Porcupine contrada in Siena (en.wikipedia.org/wiki/Contrade_of_Siena). I actually lived in 4 different apartments in Siena, and each neighborhood proudly displays their contrada's flag all over the place, especially if they win the Palio that year! We really liked the one-minute wanders this time. As for the W3 meetup, I think it should be somewhere that's accessible by train or bus since a lot of us might not have cars, especially if we're just there on vacation... And I have a feeling there will be a lot of wine-drinking going on..lol...so maybe somewhere close to a hotel, too. The al fresco dining is a great idea though! Alla prossima, salute! 🥂
Hiii Laura!! Wandering with Waffles, LOVE IT!! Thank you 🥰 How cool, what an experience! Our time in Siena was limited but we want to go back for more exploring and learning. Glad you guys like the OMWs 👏🏻 Haha, yes, great point!! We will need transportation close by for sure 😆 Hope you guys are hanging in there with all the stuff going on!! We have been thinking of you 🤗❤️
Happy Fri-yay 🎉 We found some treasures in Tuscany this week, so we had to go back. The main home we are showcasing has the prettiest outdoor space, HHT, Italian charm and a surprise... who doesn't love a surprise?! We are also sharing four One-Minute Wanders, starting at €33K, woo hoo! Be sure to like and subscribe so you don't miss out on the fun: www.youtube.com/@wanderingwithwine?sub_confirmation=1
So enjoy wandering with J&B on Friday evenings! We are 75 and 77 and ready to move to Italy at least part time.. We love this show! We just need a single level..I bet you find one soon!
We loved this episode! Watching tonight… we just adore you two! Thanks for all the great research & work…
J, I love that shirt girl! 😍
Kim (& Mike)
Hi you guys! I’m super late finishing the episode this week - just had to say, great work finding more fabulous deals on some amazing properties! All five are pretty great … and the prices on the OMWs are insane! You two just continue to step it up with new additions to your show and you make it so fun for us! You’ve come so far from your first episodes - love, love, LOVE it! ❤❤❤
I vote YES to the W3 gathering at that vineyard! It’s gorgeous!!! The long table, the views, the lights …. the vino! And most importantly … the great company, bringing the W3 family together!
Tuscany has my heart - and I love that you continue to show that you don’t have to have a million bucks to get a place there. It’s within our reach! Our (collective) Italian dreams ARE possible!
Can’t wait to see what you have in store for us next! Ciao for now … and Salute! ❤
Hiiii Meredith!! So grateful you take time out of your week to join us, whenever that may be. As always, thank you for your sweet words and encouragement 🥰 We watch some of our first videos and we have definitely evolved 😅
Okay, you’ve just RSVP’d for our W3 meetup!!! 😉
Tuscany is totally in reach, which IS so nice to show to folks, because even agents make you feel like a deal can’t be had.
Thank YOU for being here with us!! Happy weekend 😘💗
Sidelights are the glass panels on either side of the doors. 🎉
Thank you….I’m going to add it to my brain. 😉🍷
Thank you for joining us, Stephen!! 🇮🇹✨
Sorry I miss the live last night……you guys rock….and I look forward to your show all week.continued blessings
Awwwww… hope we can see you tomorrow!! You’re so sweet, LaLa, thank you for making us feel so special 🥰✨
Another fantastic episode guys! Loved all FIVE of those houses! Great prices and absolutely gorgeous! 😍
Yay…..thank you so much….I was excited for this week’s episode…so many great places we found in this area. ❤ Salute!! 😁
Thank you, Jean!! So glad you could join us for the premiere tonight 🙌🏻 Have a fantastic weekend!! 🤗❤️✨
Excellent properties, as always! You two are adorable.
Awwww shucks, thank you, Jackie 🥰 Glad you enjoyed the homes ✨❤️
As always all of this week’s houses are great finds!! 😊❤
Thanks so much, Fran and Barry!! We appreciate you 🤗❤️
W3 meetup at a table for 50 in a gorgeous vinyard... YES PLEASE!
Thanks for voting……winery is at the top of the list! Salute!! 🍷
Right?! 😍 Would be amazing! Thanks for popping in for the fun, DT 🇮🇹✨❤️
I like that you include vets, hospitals and pharmacies. I'm interested in finding a deconsecrated church with rectory for sale 😊..I'd want to turn the church into a performance space. Preferably, the church still has all the pews still installed 😊 also we'd be looking for art supply stores in the area 😊
Wow! What a great idea. Thanks, we will see if we can find some art supply stores in the areas coming up. Salute!!
Oooooooo… that would be very cool! Thanks for joining us and for the suggestion - we are grateful 🥰✨
Love you guys, love the channel! My GF and I never miss an episode!!
So, so nice, THANK YOU!! You’re kind words and support mean so much 🤗✨
So much great outdoor space with house # 1. Great price on that on too❤
Glad you think so too!! 🙌🏻✨
kislux I love you so much and watching your videos makes my day brighter
That is so, so nice!! Thank you for your kind words. Always happy when we can help brighten your day 🥰✨
Windows beside a door are called sidelights, as I recall.😊
You aren't touching that bathroom wall, Jaimi! 😂😅😂😅😂
I love the colors.
If you can expand that flag, you might be able to read what it says on the flag in that one bedroom.
Ciao!
Thanks so much…..I’m calling them sidelights for the rest of my life! Salute!
Hiii Werner 👋🏼 Haha… okay, okay, the paint stays 😅 Thanks for visiting with us on this lovely Friday evening. Happy weekend ✨
Racing home from a couple days away to be in time to join you this afternoon! Can't wait to see what amazing finds you have on board❤
@@leonalisa9163 Awwwww, yippeeee!! Safe travels and can’t wait to see you guys tonight 🥰💁🏻♀️
Thanks Leona…..I hope you didn’t get a speeding ticket! 😉🍷
Lovely properties!
Thanks so much! Salute!
Glad you like them too, Vanina 🇮🇹✨😃
Come on guys…I already knew you were the coolest! The funnest! The most informative while very entertaining. But my appreciation and affection, for you both, went through the roof when you shared your past vacation adventures involving Dug the Seagull🥰😘 And love the pics of you with the pups on the beach❤
Oh, and of course, the episode, the listings, the commentary, all rocked. 😉
🥰 We just love you, thank you, Magnolia!! You put a big smile on our faces!! Hope you’re having a great week 😘✨
@@wanderingwithwine 🥹same!
WOW you guys! All of those were actually pretty darn fab!!! Hey I have seen that "spa" house they bought way back when on some channel...was it Dave's? IDK too long ago. WOW they are so lucky. They did some great work on it. It is incredible just how many wonderful places there are and the potential. Excellents finds as always! Thank you! Quite enjoyable!
Hiii Rachel!! Yay, so happy you like them too 🥰 The house Lee and Christine bought?… not sure if Nick has been to Puglia, but maybe. Isn’t it a beauty? Thank you, doll!! We appreciate you so much 😘
Love #3 too!! Can’t believe the price😮
We did good!!! 😉✨ 🏆
Hello Jaime & Biaggio . I cannot believe it's Friday already. Thanx for the fun Friday properties. Sharing. Gina in Upstate New York USA moving to Italy/Portugal
Hi Gina! Thanks for watching…..we really appreciate it. Can’t wait to hear the details of your move! Salute!!
Right?! Friday comes at us quickly! Grateful you joined us for the fun, Gina ❤️✨🇮🇹
The porcupine flag represents one of the 17 districts in sienna.
Thanks Mike!
Thanks, Mike!!! 👏🏻
Ciao amici, a bit tardy lately as decided to support the Australian Olympic team by having the longest cold ever then exacerbated by repainting the interior of my house myself, so healed up but still a busy beaver 😛😂👍. Anyway, Fab U Lous finds Again! Loved the first house (somebody buy this 😊), and the others, particularly the one confusingly says in Roccastrada in the listing but actually in Roccatedarighi, even better location. 😊 And beautiful outfit Jaime, is that a Wandering Tee I see there? Will buy one when able. And the painting faux pas 😂, and Vodafone voices. Love your work as uszh! Bravo, Ciao, & Salute caras 👏😁🏡🍷💐
Hiii Jenna 👋🏼 OMGsh… glad you’re on the mend!! Repainting your house on your own?! Woah, that’s a lot of work! Glad you liked the homes. Thank you and yep that is one of my W3 tees 😄
Always enjoy hearing from you!! Thank you for your support and encouragement always 💗
Hey lovelies - you've done it again! Beautiful properties - all of them. If I had the funds, I would put an offer in on either the main property or the first OMW. If I had excess funds, I would buy both - one for me, one for my son. The kitchens in both properties stood out for me - I love them. I enjoy cooking very much, so need to have a good kitchen as no. 1 priority. The ceilings in the main property are drool-worthy. Having the Spirit place close by would be a bonus, especially when family & friends visit - the views are awesome. Both had lovely bathrooms & big bedrooms too, beautiful floors ... I could go on & on. Still a dreamer & always will be when it comes to Italy. Thanks for your efforts once again - you're very much appreciated. Have a lovely Sunday - see you next week! Salute 🍷🍷🥂🥂😘😘
Hiiii sweetheart!! We really like those too. We agree, a nice kitchen is a must. I still love that kitchen from the Posta Fibreno home a few months ago 😍 That big lottery win is happening, doll!! 💰 Hope you’ve had the best week, TGIF for you!! ❤️✨
I love the 1st One Minute Wander, but need that outside space for my 2 little pups, too, even if it's just a balcony.
Hi Wendy!! Glad you like it too. Yepper, same for our little divas 🐶 🐶 Hope all is well, thanks for popping in 🤗❤️
No. 2 is beautiful ❤
Agreed 🤤
Absolutely YES 😊
Yay!!🤗✨❤️🇮🇹 Thanks for joining us, Hope!
I can't stay up that late but I'll definitely check on these beauties in the morning! 🥰🤗
No problem….it was much easier for us at 3:30pm. ❤😉😁 Salute!
That’s so nice of you, Marisa!! Hope you have the best weekend 😘
@@BiaggioWWW-wi4vs I bet it was! I've caught up now and it was a great tour...some awesome value properties right there! Loved it 😍🤩😘
@@wanderingwithwine You too my lovely! Thank you so much...just relaxing after lunch with you lovely people 🥰🤗😘
Love the “really nice👌” comment. That’s the movie I’m watching on VHS! 🎄
I wouldn’t be more surprised if I woke up with my head sewn to the carpet! 😉
@@BiaggioWWW-wi4vs you and Jaime are our people 😁
The best!! We quote this movie a few times a week 😆 B said “Bend over and I’ll show you” but it got cut from this episode 🤣🤣🤣 Thanks for visiting with us - have a great weekend ✨
Have to take the doggos to the vet. We will watch it later. Excited!
Hope everything is ok with the pups…..let us know. Great properties this week….let us know what you think. Salute!! 🍷❤️
Thanks for taking the time to join us, Lucy 🥰 Snugs for the pups 🐶❤️
So I'm a dolphins fan, 😎 Great show
Uh oh…. 😅 Can we still be friends? 😬 Thanks, Mike!! ❤️🤍💙 🦬
Istrice district flag (in the First bedroom)
aka the flag for the porcupine contrada in Siena
@@willm3337 Yes, thank you!! Appreciate you popping in and for the insights. Have a great weekend, Will ✨
@@seawinegirl Thank you, Kerry 🇮🇹✨ Appreciate you joining us!!
Grazie da Texas come sempre
Hope all is well, Katrina!! Thanks for popping in 😘
Molto Bella casa's❤❤
Thank you, Janice!! Hope you are well ❤️✨
Bobby and Peter Brady had bunk-beds and Greg Brady had a single bed . They all shared the same room I grew up watching the Brady Bunch ❤ 😅
Hiii Kim!! I was thinking Mr and Mrs had separate beds, whoops! Appreciate you popping in to visit with us and sharing your Brady Bunch knowledge 😃 Have a fantastic weekend!!❤️✨
#3. For sure. And maybe #4 and #5... 😊
Glad you like them too, Maryanne!! Appreciate you visiting with us 🤗✨
OMG I am ready to start packing!
Oooooooo yeah!! 🍷
We get it 😍 Let’s go!!! 🇮🇹✨
I like watching your show. Is it possible to do high end homes? Thx
Hi Rana 👋🏼 Thanks so much 🥰 We have been talking about that actually… what would you consider a high-end home… multiple bedrooms and bathrooms, lots of land, pool, budget?
yes
❤️🇮🇹✨
Hi lovely Guys, could you make a similar channel for France and Greece , that would be amazing. Thanks 4 your work
Hiii Alan!! Thank you for the kind words, we appreciate it 🥰 We have had some requests for France, and we talk about Greece. We will see what we can make happen and you’ll be the first to know ✨
Wine celler😊
For sure! I bet the temp is perfect for wine storage in that cave. 🍷❤️
Exactly!!! 🍷
Hey guys!!!
Yo….what’s up?! 🍷
Hiiiiii 👋🏼 TGIF 🥳
Great video you two! I have a techy question: When I use google earth I get an image that pops up displaying buildings within the town. How did you have that removed so when it zooms into the city that is all you see. I also have icons on the bottom right of the google earth page but I do not see them on yours. Any guidance is welcome! Cheers!!
Happy New Year 🎊 So sorry we missed your comment and question!! Wonder if it’s a browser setting, because it’s automatically not there for us 🤔 Which icons do you have showing on the bottom right, you can’t close them like the walking/driving, terrain, etc.?
@@wanderingwithwine I forgot I wrote that question to you guys. I was probably watching an episode of wanderingwithwine and having a bit myself:). no worries my future neighbors:)
@ 😂 We hear ya!! Yaaasssss… can’t wait 🇮🇹✨
Hello, is it relatively easy for a US citizen to purchase a property in Italy ? Or can it be somewhat complicated ?
Hi Mel 👋🏼 The good news is that Americans can purchase property in Italy. It starts getting complicated if you need a mortgage.
A lot of our subscribers have used the equity in their homes to purchase an Italian property, instead of trying to get a mortgage in Italy because it's a tricky process for non-residents. Not to say you can't get a loan, but tough for a non-resident and usually you can only finance 50% of the purchase price. Here is a blurb from a site that we reference often (link below):
3. Financing the Property Purchase
If the property purchase is completed with the assistance of a mortgage, it is essential to deal with all the necessary banking and legal arrangements before signing the contract.
It is possible to apply for a mortgage in Italy or from a lender in your home country registered to lend mortgage funds within the Italian territory.
In Italy bank mortgages cover most of the sale price of the property, and may be agreed in Euros, or any other foreign currency. However, for non-residents it is likely that banks will not lend more than 50% of the purchase price.
If you wish to obtain a mortgage, either for the purchase or for possible renovation expenses, please note that the mortgage structure in Italy is very different to what you may be used to. In fact, while base rate may seem low, other charges may apply. For example, set-up fees are normally higher due to less competition.
It is highly recommended to get an independent financial adviser on board before submitting the mortgage application. Our lawyers and accountants specialise in banking and financial matters, providing you with both, legal and financial assistance, to obtain a mortgage.
Moreover, we would be glad to introduce you to our trusted Italian based mortgage brokers who will be able to advice you on both Italian- and EU-based mortgages for your Italian property purchase or renovation.
Before applying, it is advisable to budget for all the cost of a property purchase. Indeed, the buyer is responsible for paying the notary, the estate agent and the geometra fees, as well as any legal representative fees. The buyer is also charged with all sale and transfer of property fees.
Obviously, where an Italian property is already subject to a mortgage, it will be necessary to agree with the vendor that the existing mortgage will be paid off - and the corresponding entry on the Local Land Registry cancelled - before completion of the acquisition. The assistance of a local real estate lawyer is required and the procedure may be expensive and time consuming.
Alternatively, it could be possible to agree with the vendor and the bank that the buyer will take over the mortgage (Accollo del Mutuo). In such case, it is essential to check the state of the past repayments and the terms of the original mortgage agreement.
Other restrictive clauses may be included in the documentation submitted to the buyer, such as limitations of liability, lack of any legal commitments on the part of the seller, etc. The presence of these one-sided clauses can be spotted usually by the request to sign the same document twice for ratification. This is a requirement of Italian law for unfair, unbalanced or unusual clauses, and should be a warning to the foreign buyer not to sign the particular document, without receiving prior legal advice.
Here is the website: theitalianlawyer.com/how-to-buy-a-property-in-italy-guide/
You'll also need an Italian bank account and not all banks in Italy offer a non-resident account, but Banca Etica does, so that might be a good place to start: www.bancaetica.it/prodotti/conto-estero-privati/ (use can use "translate" in your browser to translate Italian to English). Here is a contact page as well: www.bancaetica.it/contatti/.
Some more info with a link below...
What if I am not resident in Italy yet?
It is possible to open a bank account as non- resident - “conto corrente estero”- for those who are not registered at an Italian address with an Italian Comune and are not spending 183 days/year or more in Italy. However, not all banks allow this, some banks only allow limited services and operations for non-resident bank accounts. The documents requirements to open a non-resident account are the same as the resident account, nevertheless the bank may request additional financial documents to perform their due diligence.
When choosing a bank, it is also important to consider:
The kind of bank account you are interested in (conto corrente “checking account”, conto di risparmio “savings account”, conto cointestato “joint account”, conto di deposito “deposit account”)
The fees and monthly limits in transactions and ATM withdrawals
The services offered (e.g. mortgages, renter’s guarantees, high interest savings accounts
The availability of physical branches in the area you plan to relocate to
Account closing terms and conditions.
It is advisable to ask an expert to check which bank suits best your needs, also depending on your purposes of stay in Italy, e.g. if you are retired, working or if you are an investor.
www.mazzeschi.it/foreigners-opening-a-bank-account-in-italy/#:~:text=It%20is%20possible%20to%20open,year%20or%20more%20in%20Italy.
Hope this helps!! ✨🇮🇹
@@wanderingwithwine Ok so a cash purchase for an American is not complicated correct ?
The most complicated part will probably be opening an Italian bank account. It’s not always needed but often it is for the wire transfer.
@@wanderingwithwineOk thanks.. Very good presentation.
@@melfuentes4184 Thank you 😊
I want a sticker!!!!
Awesome!!
Side light!
Thank you, Fran!! 🤗
Music sheets?
Maybe…..that would be cool.
@@BiaggioWWW-wi4vs today was super fun! 🤩 🌊🛖
Thanks for joining us, Victoria 🤗😘
Dick van Dyke show!
@@ScratchMatters that’s right!
Haha 👏🏻 Good one!!
Ciao ragazzi! We watched this morning as a Wandering with Waffles 🧇😉 And like a couple other viewers mentioned already, that flag represents the Porcupine contrada in Siena (en.wikipedia.org/wiki/Contrade_of_Siena). I actually lived in 4 different apartments in Siena, and each neighborhood proudly displays their contrada's flag all over the place, especially if they win the Palio that year! We really liked the one-minute wanders this time. As for the W3 meetup, I think it should be somewhere that's accessible by train or bus since a lot of us might not have cars, especially if we're just there on vacation... And I have a feeling there will be a lot of wine-drinking going on..lol...so maybe somewhere close to a hotel, too. The al fresco dining is a great idea though! Alla prossima, salute! 🥂
Hiii Laura!! Wandering with Waffles, LOVE IT!! Thank you 🥰 How cool, what an experience! Our time in Siena was limited but we want to go back for more exploring and learning. Glad you guys like the OMWs 👏🏻 Haha, yes, great point!! We will need transportation close by for sure 😆 Hope you guys are hanging in there with all the stuff going on!! We have been thinking of you 🤗❤️
@@wanderingwithwine You're so sweet! Yeah it's been a busy few weeks, but at least we have a new W3 episode to watch each week!