mortgage rejected due to house listed as a warehouse?

[estherina34]

hi guys,
we just been through a very drawn out process applying for an italian mortgage with GE bank in italy,only to be told that our house is listed as a warehouse on the registry papers,does anyone have any ideas why a house,admiteddlly does need work on,but is an obvious house with a neighbour right next to it would be listed as a warehouse?
any ideas much appreciated,even mortgage ideas for a property valued at 37.500 euros.

[estherina34]

o dear..doesnt sound good...so basically your agent lied to you,we are buying via 'housearounditaly.com' in avellino naples.
we are in process of asking her what this means.so you wouldnt have been able to live in the house if you only bought that one..is that right?

[NickZ]

I don't think the town would give you residence. So no prima casa rate. No residence rate for utilites either.

Could you live in it? I guess nobody is going to come knocking to check but if you go to sell it the buyer would face the same issue.

With the low value it might not be worthwhile to get the status changed. So if you haven't bought it or fallen in love I'd consider looking at something else.

[Ugo]

Hello all,

change house scheduling from previous "categoria" to living home "categoria" as :
A/1 - A/2 - A/3 ( THIS IS BETTER TO BUY AS prima casa AND DO NOT PAY ICI TAX)
is easy , your "geometra" can make it in about 25/35 days (depend by cadrastal offices ) ,
If you make restoration this is more easy , you can ask the changment at commune offices,
within the restoration project or DIA .

[anne2]

Originally Posted by barn_elms

Incidentally is it really true that there is no ICI payable on A1 properties?

I suspect like you, not as I understand it - according to our local mayor A1, A8 and A9 properties do still pay ICI even if Prima Casa.

[Ugo]

Hello

here Ugo , IN TODI - Umbria , not Sulmona :)
regarding ici , please go to
Ici, per qualcuno è rimasta Ecco chi deve ancora pagare - economia - Repubblica.it
note :
Le prime case escluse - La prima di queste è l'esclusione dall'abolizione dell'Ici di tutti gli immobili di categoria catastale A/1, A/8 e A/9: per case di prestigio, ville e dimore storiche non ci sono novità e continua ad applicarsi la precedente detrazione di 103,29 euro, o quella più elevata eventualmente prevista dal Comune.

and

Niente Ici per i residenti all'estero - Per i cittadini italiani residenti all'estero l'immobile posseduto a titolo di proprietà o di usufrutto in Italia, si considera sempre direttamente adibito ad abitazione principale a condizione che non risulti locato. Anche per chi non abita più in Italia, quindi, arriva l'abolizione dell'Ici.

and

Abolita la comunicazione Ici - Infine non bisogna dimenticare che è stata abolita la dichiarazione ICI per tutte le variazioni di proprietà eseguite a partire dal 1° gennaio 2008. Questo significa che in nessun Comune è più obbligatorio presentare la dichiarazione se si compra o si vende casa. In questo articolo altri dettagli

*
Regarding re-scheduling , pls see

testo unico - consulenza on-line
> 4 dell'art. 37 D.P.R. 380/01,
> http://www.unisi.it/did/dip-direcon/DPR%20380-2001.pdf
Art.37 punto 4 :
4. Ove l’intervento realizzato risulti conforme alla disciplina urbanistica ed edilizia vigente sia al momento della realizzazione dell’intervento, sia al momento della presentazione della domanda, il responsabile dell’abuso o il proprietario dell’immobile possono ottenere la sanatoria dell’intervento versando la somma, non superiore a 5.164 euro e non inferiore a 516 euro, stabilita dal responsabile del procedimento in relazione all’aumento di valore dell’immobile valutato dall’agenzia del territorio.

AND

Agenzia del territorio
Agenzia del Territorio - Presentazione del servizio
"Il servizio è rivolto a coloro che riscontrano incoerenze nella situazione catastale dei propri immobili e consente di presentare via web richieste di rettifica dei dati catastali. "

i am sorry all documents are in Italia . Yet this is your's lifeinitaly :)

[adriatica]

i would tend to follow barn elms cautious approach and also i would not purchase a property that was not classified in the correct manner.. with also all the new rules regarding habitable buildings and regulations concerning attachments of services you could find even if you manged to buy it than you could get no services...

all these properties should have had their designations changed... these sort of homes with other uses .... were supposed to be all re registered by the end of June last year... and been paying tax... their are serious estimates here that around 2 million properties are still missing from registers that are classified... illegally.... because of the law last June.... these are being sort out and owners are getting fined...

maybe ... and it is a maybe... casual work by people selling properties in Italy ... often without any knowledge ...as seen in this thread... had little to no effect on future progress with a property because of the lack of worries by the comune about the state of the property register... but that was all 2 to 3 years ago... there are changes going on here... in the property living accommodation sense... brush off easy answers by estate agents or agencies really have no place in the property market anymore... and the reason many of these properties are singled out for sale to foreign buyers is because they cannot be sold to Italians who would not accept vague wishy washey promises...

i would skip this and buy a house instead if i was you... most probably there are plenty around and hopefully you have not already paid any money over...

another answer often given when someone finds a cheap property is that they are all cheap because Italians do not buy outside towns or old house... this is a very very out of date statement as Italians all over Italy have been buying country homes for weekends and holidays for an awful long time now.... so to my mind really cheap buildings.. either have a seroius selling problem...which makes it unklikely an italian would get caught with it... or the area has seroius problems... no one gives property away in Italy...

the rules here in that sense are exactley the same as whatever country you come from... if it looks like too much of a bargain compared to other properties being sold in the area...or an area is too much of a bargain compared to a province say as a whole... then there is something wrong...

[adriatica]

barn elms... you might well be interested in this thread... a shame maybe that you did not get to see it before... however we all get caught out and we all learn a bit from the process.. luckily there are those that are willing to highlight some practices... and own up to being caught out a bit... hopefully at the end of it all we mange to shrug off the bad taste left buy dealing with the sharks of the world and end up wuith soemthing we want and are proud of...

http://www.italymag.co.uk/forums/pro...ome-blurb.html

[estherina34]

hi thanks for all your comments guys...indeed all my worries are what you mention....i would just walk away if the house wasnt so rightgod dams it!hehe...does anyone know what ugo is saying in his italian message above...i have no idea!!bless him tho!
thank you sweet guys

[alan h]

Originally Posted by estherina34

hi guys,
we just been through a very drawn out process applying for an italian mortgage with GE bank in italy, only to be told that our house is listed as a warehouse on the registry papers,.................
.............................we are buying via 'housearounditaly.com' in avellino naples....................:

I suggest that you tell the agent that you expect them to sort it out before you'll sign for the purchase. If they can't get it re-classified for habitation, I wouldn't touch it with a barge pole [however wonderful it is] because of probable problems with mortgage, selling later on etc etc..

Good luck!


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