Buyer’s Guide

Finding a Property

Just feel free to browse our real estate offers and don’t hesitate to contact us for any question or needs.

Please note that for privacy reasons some properties are not listed.

Negotiating a Purchase

When you find a property that suits you, just let us know and we will do our best to close the deal at the best conditions.

Choosing a Lawyer

In case of special needs, depending on what your situation requires, we can provide you the best solution thanks to the different lawyers that works with us.

Choosing a Notary

We work since many years with a notary resident in Campione d’Italia, that has two offices in Como and Menaggio.

To make the process of the deed more comfortable it will be signed directly in pour Campione office so that our clients don’t have to loose time searching for where to go.

The Purchase Process

Any citizen can purchase (or rent) a property in Campione but needs to provide:

  Needed documents
#1 Passport copy
#2 Copy of the Italian fiscal code
#3 Marriage certificate translated in Italian with postilla
#4 Marriage contract, if any, translated in Italian with postilla
#5 Divorce certificate translated in Italian with postilla
 

Brokerage agreement

The task of mediation with IMMOBILIARE WEHNER will be underwritten in an agreement.

The fee owed is 3% of the price of sale of the property or one month of rent in case of rental agreement.

The right of the commission is due when the buyer learns the acceptance of his proposal from the dealer; in case of rent in the same moment in which the tenant realizes the acceptation of the rental agreement proposal.

The commission must be paid simultaneously at the signing of the preliminary contract or at the moment of the rental agreement stipulation.

It’s known and accepted the right to sale the property to a third party before the acceptance of the proposal/agreement.

Costs for a real estate purchase in Campione

  For new buildings
#1 Cadastral tax (imposta catastale) 200 €
#2 Mortgage tax (Imposta ipotecaria) 200 €
#3 Registration tax (imposta di registro) 200 €
#4 Stamps (marche da bollo) 230 €
#5 Notary services, the amount depends on the value of real estate

  For residential properties, older than 4 years (not prima casa*)
#1 Cadastral tax (imposta catastale) 50 €
#2 Mortgage tax (Imposta ipotecaria) 50 €
#3 Registration tax (imposta di registro) 9% of the cadastral value with a minimum of 1’000 €
#4 Stamps (marche da bollo) 0 €
#5 Notary services, the amount depends on the value of real estate

 –

  For residential properties on favorable terms of prima casa*
#1 Cadastral tax (imposta catastale) 50 €
#2 Mortgage tax (Imposta ipotecaria) 50 €
#3 Registration tax (imposta di registro) 2% of the cadastral value with a minimum of 1’000 €
#4 Stamps (marche da bollo) 0 €
#5 Notary services, the amount depends on the value of real estate

Applying for prima casa* the buyer should:

  • Issue a residence within 18 months from the purchase day
  • Must be confirmed within 5 years of residence in the Municipality of the purchased real estate
  • No right to sell the property within 5 years if he does not acquire another property in Italy
  • The most economical interest has to be in Italy

For those who do not speak Italian, the sales contract must be translated into mother tongue language. Translation cost about 1’000/2’000 €, depending on the complexity of the contract.

Annual maintaining costs for the property

The annual cost of maintaining the property:

  • The fee for municipal property tax (IMU) is around 12 Swiss francs per year per square meter.
  • The annual fee for garbage disposal (TARSU) depends on the area (square meters) property and the number of people living on it:

1 person per square meter of 3.50 x 1, 15 = 4.02 CHF

2 persons per square meter 4.50 x 1, 15 = 5,17 CHF

3 persons per square meter 4.90 x 1, 15 = 5,63 CHF

4 persons per square meter 5.20 x 1, 15 = 5,98 CHF

5 people per sq.m. 5.50 x 1, 15 = 6,32 CHF

6 people per sq.m. 5.80 x 1, 15 = 6,67 CHF

The total amount in Swiss francs and then converted into euros.

  • If it is an apartment in a condominium, management fees and maintenance depends on the manager, for the same size of the area with similar properties can be paid as much as 50% more or less, depending on who manages it.
  • The contract for the supply of electricity concluded with ENEL, the costs are paid in euros, depending on the required capacity.
  • Telephone, television and the internet are run by various Swiss companies and, therefore, these services are paid in Swiss francs. The cost depends on the contract, so it’s worth carefully review the spectrum of services of different companies.
  • Water consumption is calculated for real estate, ranging from 0,20 CHF to 0,42 CHF per cubic meter.

In the case of a long absence in Campione d’Italia, we recommend to seek standing order at your bank to pay the bills coming in order to avoid penalties and hassles associated with utilities.

How to become a resident of Campione d’Italia 

The law requires that the resident lives for at least 6 months and 1 day (183 days) during the year. To become a permanent resident is very easy for everybody.

If you are an EU citizen the permanent residency application is more simple and straightforward and doesn’t require a Visa application.

If you aren’t an EU citizen the application takes more time, you will get in any case the residency in Italy, it takes to be more patience and move from one office to the other one.doc

If you don’t speak the local language, and don’t know how and where to go to get the requested documents you will stuck, that’s why can help you and follows you step by step during all of the procedures from Visa until residency.

We will be happy to help you and take you by hand to become, as soon as possible, a permanent resident of Campione d’Italia.

The requested documents are listed below, if you wish we can provide, a professional translation of all the requested documents.

  • Visa D
  • Permit of stay in Italy
  • Residency

By the way, given the high level of bureaucracy, the process of immigration in Italy is quite complicated, because it has a lot of nuances and, despite the high formalization, it is different for every family.
Ask for advice on this service to simplify and accelerate the process of obtaining a residence permit.
For further advice please contact us!

Visa D

To apply for a residence, you must submit the following documents translated into Italian with an apostille, and personally take them to the reception of your municipality:

  • Lease or purchase agreement
  • Italian bank statement
  • Copy of passport
  • 2 passport photos
  • Copy of the last 3 years of tax declaration
  • Birth Certificate
  • Marriage Certificate
  • Codice Fiscale (requested directly at the consulate)
  • International insurance valid for 1 year with no limit
  • Visa type D for the “chosen place of residence”, valid for at least 12 months (only for not EU citizens)

Permit of stay in Italy

To apply for a permit of stay in Italy, you must submit the following documents translated into Italian with a postille:

разрешение на пребывание в италии

  • Lease or purchase agreement
  • Bank statement
  • Copy of passport (all pages)
  • 2 passport photos
  • Copy of the last 3 years of tax declaration
  • Birth Certificate
  • Marriage Certificate
  • Codice Fiscale (requested directly at the consulate)
  • International insurance
  • Visa type D for the “chosen place of residence”, valid for at least 12 months
  • Application for the permit of stay.

The cost for the application are aprox:

– from 3 months to 1 year: 80,00 € + 27,50 € + 30,00 €

– from 1 year to 2 years : 100,00 € + 27,50 € 30,00 €

from 2 years on: 200,00  €27,50 € + 30,00 €

Within 60-90 days you will receive your permit of stay

Given to the high level of bureaucracy, the process of immigration in Italy is quite complicated, because it has a lot of nuances and, despite the high formalization, it is different for every family.
Ask us for advice to simplify and accelerate the process of obtaining a residency permit.

Residency

The law requires that the resident lives for at least 6 months and 1 day (183 days) during the year.

To apply for a residence, you must submit the following documents translated into Italian with an postille, and personally take them to the reception of your municipality:

  • Registered lease or purchase agreement
  • Italian bank statement
  • Copy of passport
  • Declaration from an Italian bank
  • Copy of the last 3 years of tax declaration
  • Birth Certificate
  • Marriage or divorce certificate
  • Codice Fiscale (requested directly at the consulate)
  • International insurance valid for 1 year with no limit
  • Visa type D for the “chosen place of residence”, valid for at least 12 months (only for not EU citizens)
  • Application for the residence permit

Procedure for obtaining the residence:

1. Bring all necessary documents to the reception of the municipality

2. Sign the receipt of the residence request 

3. Within 45 days, the police will monitor your residence, if you are living or not.

4. If control is successful, you will receive your residence.

Other services we can provide

We are realtor in third generation in Campione d’Italia and can provide all kind of services.
Just a short list of what we can provide, for more informations just contact us.

  • Assistance for health insurance
  • Complete assistance to become a resident of Campione d’Italia
  • Enrollment in Italian and Swiss schools
  • Family office assistance
  • Legalization of driving license & car plate numbers
  • Legal assistance
  • Renovations