Home: From Budgeting to Tax Regulations: A Guide for Safe Purchasing (Free)

houseswithout scams, pitfalls and finding the right financing is the topic of the Buying Guidehousesand mortgages”, a guide that readers of L'Economia del Corriere will find on Monday in a free app in newsstands (as well as online always for digital subscribers).

Publication prepared by Massimo Fraccaro and Nicola Salduti with texts by Gino Pagliuca

begins with calculating the budget and precautions to be taken before negotiating a purchasehouses. In 2023, 700,000 ItaliansboughthouseLast year, despite the economic situation and the level of money prices were at the highest level since 2012, 700 thousand Italians still bought thehouse.

• Two-thirds of them did so to live permanently, others to use the housing for vacations or to generate income, bijduitelstvo, at least in major cities, by investing in aapartmentsby resorting to so-called “short-term leases”.
• For the year, the decline in sales due to the economy and rising rates (and therefore mortgages) was less than 10% from the record highs of 2022.

It was a much better result than the Nashniks feared, because - someone who could -boughtwithout resorting to credit or minimizing the amount of financing. For many Italian families.house- Prioritize Purchase Intent Surveys confirm that the purchase of thehousesTo create a new nucleus, to no longer pay rent, to improve their housing status, remains a priority for many families.

The latest study, conducted by Nomisma

estimates the potential number of buyers at more than 3 million households. Lower interest rates, which make mortgages more affordable on the one hand, and the profitability of thereal estatecompared to income with fiksovanymy rates - on the other hand, may lead to a recovery in sales.

There's a new volume on newsstands: “Buying Guide.housesand mortgages.”

The interest in real estate investing prompted the proposal of the “Buying Guidehousesand mortgages”, it is known that readers of L'Economia del Corriere will find for free on newsstands (and online for subscribers of the digital issue) starting next Monday and throughout the month.

• The publication, prepared by Massimo Fraccaro and Nicola Salduti with texts by Gino Pagliuca, begins by calculating the budget and the precautions necessary before starting purchase negotiationshouses.

It then deals with document and common sense checks, relationships with theagencieson mediation, everything you have to deal with before you make a deal.

Taxes for buyers: three deteriorations

Most attention has been paid to the “painful” topic of taxes, which has three negative changes: no more rebates for green purchaseshousesThe tax exemption for those under 36 (unless they entered into a prior agreement last year), and the introduction of a capital gains tax on Superbonus housing.

• It is true that this tax is paid by the one who sells, but it is easy to assume that the cost will be rolled over to the sale price, given also that thereal estatewith a good energy class will become more in demand after the adoption of the EU Green Directivehouses.
• And always on the topic of bonuses, here are the rules in effect this year.

Mortgage, the conundrum between fixed and variable rates

The second part focuses on mortgages and doesn't avoid the classic comparison between fixed and variable rates, a topic particularly relevant given the decisions the ECB is about to make on the cost of money. Without being a detective, we can even make a “spoiler” result. If the forecasts for the behavior of Euribor (the variable benchmark) over two years turn out to be correct by the end of 2025, the variable rate payment taken today is significantly lower compared to the fixed rate payment. The problem with predictions, as explained by Niels Bohr, the father of quantum physics, is that they are difficult, especially if they are about the future.