Mortgage calculator for Italy
Fixed and variable side by side, notary costs that are substantial and non-negotiable, and tax treatment that changes sharply depending on whether the property is your main home.
Mortgage calculator
Change any field and the figures update as you type. Everything is worked out in your browser: no number you enter is transmitted or stored.
How this market works
| Currency | EUR € |
|---|---|
| Typical rate (annual) | 3.5 % |
| Term | 25 years typical · up to 30 |
| Typical deposit | 20 % |
| Purchase costs | Registration tax 2%, Notary fees 1.5%, Estate agent commission 3%, Mortgage tax 0.25% |
| Official sources | Banca d’Italia — statistics · Banca d’Italia — consumer guides |
The starting figures are indicative values for this market, not an offer or a quote. Change any of them — the calculation updates as you type, and nothing you enter leaves your browser.
Related guides
How a Mortgage Actually Works, Start to Finish
What you are agreeing to when you take a mortgage: the security, the stages of the process, and the points where the deal can still change.
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When Refinancing Is Worth It: The Break-Even Calculation
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