You move in now, and you own with the last instalment

What you'll learn

• Name the five funding sources that exist without a mortgage, and say which apply to you
• Read a proposed structure and separate when you pay, when you move in, and when you become owner
• Run the checks that come before any of these contracts, and say what each one protects against
• Estimate the 2026 tax cost of the chosen route, and name where a commercialista is required
• Recognise the structures courts declare void, and refuse them
• Brief a notary with a list of conditions instead of a blank page

About this course

A nineteen-module course on buying a home in Italy when a bank will not make the loan. It starts from where the money comes from — the seller, the family, another asset, an auction, an institution — and from three moments: when you pay, when you move in, and when you become the owner. It is not an interest-free course: some routes include a written interest rate. It does not qualify anyone to act as an estate agent or a credit broker, and it does not replace a notary. Figures are stated as at 21 September 2026 and must be re-checked on the date of the deed.