Buying a property in Sardinia is a long-held dream for many international buyers. The good news: for EU citizens, the purchase is straightforward and without restrictions. Nevertheless, there are some particularities in the Italian buying process that you should be aware of. This guide takes you step by step through the procedure.
1. The purchase process at a glance
Buying property in Italy is divided into three main phases:
The purchase offer (Proposta d'acquisto)
With a written offer, you express your binding interest to buy. Once accepted by the seller, it becomes legally binding.
The preliminary contract (Compromesso)
The preliminary contract regulates all details of the purchase. Usually a deposit of 10–30 % is paid here. This step is legally binding – withdrawal is only possible under the contractually agreed conditions.
The notarial deed (Rogito)
The final purchase contract is signed before an Italian notary (Notaio). The notary is neutral and verifies ownership as well as that the property is free of encumbrances.
2. Taxes and additional purchase costs
The additional costs depend on whether you buy from a private individual or a developer, and whether it is a primary or secondary residence:
- Registration tax when buying from a private seller: usually 9 % (second home) or 2 % (primary residence) of the cadastral value.
- VAT (IVA) when buying from a developer: 10 % for standard properties, 22 % for luxury properties (category A/1, A/8, A/9).
- Notary fees: usually 1–2 % of the purchase price.
- Agency commission: typically 3 % plus VAT.
Tip: You will need the Italian tax number (Codice Fiscale) for the purchase. It is free and quick to obtain.
3. Financing
As a foreigner you can also use an Italian bank for financing. Loan-to-value ratios of 50–60 % are common for foreign buyers. Alternatively, financing through a bank in your home country is possible.
4. What you should absolutely check
Always verify the building permits, the cadastral registration (Catasto) and that the actual structure matches the official plans. Especially with existing properties, unauthorised extensions are a common issue.
When buying from a developer, you benefit from legal certainty, warranties and modern energy standards – a significant advantage over acquiring old buildings in need of renovation.
5. Why the purchase is worthwhile
Sardinia combines a high quality of life with stable value development. The limited availability of building land near the coast, strict building regulations and ongoing international demand ensure value stability – a decisive factor for investors.
Conclusion
Buying property in Sardinia is well plannable for international buyers – provided you understand the legal and tax framework. With an experienced partner at your side, the dream of a home by the sea becomes a secure investment.
Real Estate Signature guides you through the entire process – from choosing the location to handing over the keys.
