For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.
Italian mortgages: prepayment penalty abolished by Bersani Decree (2007) on variable-rate first-home loans. Surrogazione (free portability of mortgage to a different lender) is a unique consumer protection. Imposta sostitutiva (substitute tax) replaces stamp/registration tax at 0.25% (first home) or 2% (second).
Typical fixed-rate band
3.50–4.50%
2026 headline range
Typical floating / variable
4.00–5.00%
Tracker / SVR / EBLR / EIBOR / SORA…
Max LTV
80%
Typical deposit 20%
Typical term
25 yrs
Abolished on variable-rate first-home loans by Decreto Bersani (2007)
Pre-populated with the median fixed rate, typical deposit %, and typical term from IT lenders. Override any input. Stamp / transfer / property tax not modeled — see the sources block below for binding affordability rules.
Loan amount
€240,000
LTV 80.00%
Monthly P&I
€1,267
25y at 4.00%
Total interest
€140,043
Total cost €380,043
Stamp / transfer / property tax differs widely by jurisdiction and is not modeled here. See the country's sources block below for the binding rules.
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What this calculator does NOT cover:
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Last reviewed
April 28, 2026
Reviewed by
infoz Editorial Team — Editor, Web Publishing Corp
IT mortgage market — typical rate bands and structural quirks compiled from each country's central-bank statistical release for 2026.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.