Ugo's activity

Umbria  > http://www.lifeinitaly.it/italiasegreta/regioni/umbria/Umbria.htmThere is an air route operated by Etihad-Alitalia, which leaves every hour from Perugia airport  to international destination of Rome-Fiumicino, at very low prices. From Fiumicino airport there are several flights to the USUgo , by Lifeinitaly.it  

Modicasa ,  buongiorno, tu sai , come si fa a spostare questa conversazione su un topic diverso ? 

normal price is paid in a percentage between 5 and 10 percent, to purchse agreement signing, for the remaining total, at the time of the signing of the buying public, in the presence of the Notary  

for rent , you can use >  https://www.airbnb.it/s/Milano--Italia?s_tag=-lMEirLh

It is to have a lease, need a tax code, you can ask the Italian consulate closest to you, their give it to you in 2-3 days. But then to get into Italy, without a residence permit, you will be forced to ask for a tourist visa, every time you come in Italy.here's Italian consular offices in Usa >  http://www.ambwashingtondc.esteri.it/ambasciata_washington/it/informazioni_e_servizi/la_rete_consolare 

 It is not possible for a foreigner, living in Italy, for more than 180 days a year, without a residence permit.If you transfer your job or receive a contract of employment, in Italy, you must apply for a residence permit for work, and this procedure is not easy, let alone fast.If you come to live in Italy, just for your pleasure, without having any intention, and still able to work, then you must apply for a residence permit for Residence Elective.Here, the fundamentals for the Elective Residence> http://www.lifeinitaly.it/Inglese/italyresidenceguide.htm 

Linda , it's better that you open a new question , for this . Yet , yes , negotiation is standardly in italian home purchasing , and NOT , you can't pay cash , in Italy have a laws , according to which the greater amount that can be transferred in cash is 3000-euro. You can pay with a Bank transfert directly from your's  bank account ,  that yo have in your contry . or BETTER , via bank transfert  , from your's Italian bank account  , or via bank Draft , issued by a your's italian bank account  directly to seller's  name . More about buy in italy , here>  http://www.lifeinitaly.it/Inglese/Purchasing_Real_Estate_in_Italy.htmBuona Pasqua e buona casa in Italia    

And MORE at link >  file:///O:/fi_bps_confronto_mutui.pdftrasparency document , issued by BPSo , at date 16-03-2016 (date at bottom of page) - page 5Voice > Mutui in valuta tasso variabile ( = variable interest rate mortgages ) ,column 2 Trattasi di mutuo a tasso variabile espresso in valuta diversa dall'euro, il cui tasso è parametrato al Libor di riferimento della valuta stessa. last column to the right TAEG (Tasso Annuo Effettivo Globale): 3,67% Nel calcolo del TAEG sono comprese le seguenti voci Capitale: 100.000 euro Data erogazione: 01/01/2016 Durata: 10 anni Rimborso: Trimestrale Tasso ingresso variabile: 3,267% Spread: 4,00 punti Spese di istruttoria: 500,00 euro Spese incasso rata: 5,00 euro Spese di perizia: 244,00 euro Spese di assicurazione annua: 50,00 euro Rata trimestrale esempio euro 2.945,68 Imposta sostitutiva 250,00 euro so ... were is the Negative interest rate ? Ugo , by Lifeinitaly.it 

Hi , the  BPSo  is a  Italian Bank , not Swiss bank :) , The negative Libor on USD are bigger than euribor  , and subject to free bank bargaining  >  http://it.global-rates.com/tassi-di-interesse/libor/dollaro-americano/2016.aspxwith upward trendinstead the Euribor , which is under the control of the BCE due to quantitative easing, thanks to our Draghi, is in constant decline> http://www.euribor.it/tassi-storici-euribor/regarding the spread, ie the bank's earnings on the money loaned to you, it's called mortgage, I doubt that it is negative, the bank - the BPSO in particular, is not a charity - If money to buy negative, then it can not sell just the negative - Apart from the fact that in this way would go to a fast failure, the Basilea  III regulations, they are subjected to all European banks, will automatically nullify the loan agreement.I suggest you , to read the Foglio Informativo - that you can find at this address >  file:///O:/fi_bps_mutuo_ipotec_pf_casa.pdf At page 2 >  Parametro di indicizzazione per i mutui a tasso variabile > you read > Libor - London Interbank Offered Rate a 3 / 6 mesi a seconda della periodicità della rata (5);This mean that  the bank to be apply to mortgage the Libor interes = from 0,624 to 0,862 ( see libor link ) At page 3 > Commissione di intervento > you read > Per i soli mutui in valuta, sono previste anche commissioni di intervento pari allo 0,20% sull’importo erogato e su quello, di volta in volta, rimborsatoThis mean that you pay a bank fees for 0,20% on the  currency received and/or on the currency that you repay time to time . At page 3>  Estinzione/riduzione anticipata > indennizzo onnicomprensivo massimo 3,00% del capitale anticipatamente rimborsato.This mean that - if you buy as second home - you pay 3% on the money that you repay mortgage before natural mortgage deadline - in case of payoff  - in case of surroga -  it is always good to review the banks' conditions before signing any agreement - but certainly those who offered you this loan, as required by current regulations, will have explained to you, these laws, and you, you are already aware of all the negative specifications , the contract you are signing.Ugo , by Lifeinitaly.it ps>  I apologize in advance for any write error. The English language, which for my work are obliged to use every day, it's not my native language . 

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