Ugo's activity

1> MORTGAGE AMOUNT MEAN AMOUNT OF THE MORTGAGE , NOT PROPERTY VALUE !so  the 100.000 is amount of mortgage , not home value !!2>  Property commercial value by bank survejor expertise .MEAN the value that the bank survejor decides that it is the value of the home - maybe you sell or buy the house for a different value - but for the bank the value on which to calculate 70%, which then will be the maximum loan you will give - is the value established by Survejor commissioned by the bankeven if this make to you a no sense , this is the bank law - 

Hi reply point to point -Minimum amout for mortgage to restore 100.000-euro - as for my experience (19 years ..)Mortgage to restore you can ask at any time - or as Buy+ restore - or as Restoration only at any time after purchasing  time - is only needed MINIMUM one month  after purchasing  , because Notary , according italian laws ,use 15 days to purchasing Deed registration , and if the property do not is scheduled on yr' s name - bank do not can start mortage procedure -Restoration expenses Do not are geometra , Real estate agent , permit - BUT only effective expenses scheduled on the  Computo metrico, issued by yr's Geometra/engineer /Architect  , Exactly calculation you can read at  web site page .But an simple example is1> bank survejor find the commercial value on yr's home after full restoration for 200.000-euro2> you can ask til 70% of this 200 k  = 140 k -3> you has to show ( NOT DEPOSITT , only Show ) existance of 200-140 = 60k )4> obviosly you has to have income for pay mortage monthly installmentThe matematic calculation for this(4) is your NET income ( gros income from income tax return decreased by tax payed ) x 30% , splitted in 12 (months ) = result = your available monthly income to pay  mortgage installmentfrom this NET  monthly income - you has detract innstallment that you pay for other mortgages/ lease/ private loans - payments upper than 50 euro monthly .The result is the sum that you are available to pay mortgage installmenti hope this is clear for you .(sorry for languages mistakes...)   

http://www.lifeinitaly.it/Inglese/italian_mortgage_restoreonly.htm

= me > http://www.lifeinitaly.it/Testimonial/index.php

Very few in the network have REALLY testimonials, long ago an Italian girl who worked in a master for a famous French tire firm, tell me it was paid to write testimonials in the company's website - says well  Modi, always ask to be put In contact with other customers - Even if, for the privacy law, it would be forbidden to make customer names - I, in fact, are very proud of my customers who have done this for me for over 15 years.

I would love to see, at least talk to her customers, or see what she can do ... before paying an advance ..

Geometra fees , depend by house sqm , and project - but 5000 eur appear a good price -

open an activity :) , see http://www.camcom.gov.it/

The cost of the project is in direct connection with the square meters of the house, if you find a geometra who makes a project for 1700 euros, you have found a person who works without the right qualifications and surely does not pay the taxes - If instead It only necessity  the plan of how your home is made, this design is filed with the office of the land registry where your home is located, to have a copy, you will have to pay 6 euros.

Sorry , i  corrected my message... click on Studio Troiano ,,they spoke english   

Try > http://www.studiotroiano.com/English/index.html