Cumpăr sau închiriez?

Purchase price, excluding fees and taxes

Italian banks typically require 20%. Below 10-15% you'll need a guarantee.

Average Italian fixed rate (Apr 2025): ~3.3-3.8%. Variable: Euribor + spread (~3-3.5%).

Typical terms: 20, 25, 30 years. Longer = lower payment but more interest.

Notary + taxes + agency. Primary residence ~3%, second home ~6-8%.

Primary residence: €0 (IMU exempt in most municipalities). Second home: depends, typical €500-2,000/yr.

Typical: €50-150/mo. Covers cleaning, elevator, hallway lighting. Excludes extraordinary maintenance.

Rule of thumb: 1% of property value per year for repairs, boiler, appliances.

Not mandatory but recommended. Typical fire/disaster policy: €200-400/yr.

Set to 0 if no renovation needed. Typical apartment: 60-100 m².

The rent you pay (or would pay) for a home equivalent to the one you'd buy.

In Italy the ISTAT adjustment is ~2%/yr. Subsidized contracts may increase less.

Italian historical average: ~0.5-1.5%/yr (much less than UK/US). Major cities do better.

Expected return if you invest instead of buying. A global ETF returns ~5-7% real long-term.

How many years to compare. Buying benefits more with longer horizons (>10 years).