For buying your first home there are some main expenses to take into account. One of these concerns the notary costs, a voice that cannot be bypassed due to the centrality of the notary's role in such an important operation as the real estate buying and selling.
If you want to be sure that the entire process is carried out safely and transparently, whether you're on the buyer's side or the seller's side, you need to rely on a good notary. He or she handles all the legal and bureaucratic procedures, as well as the crucial phase of drafting and certifying the deed.deed of sale, Also known as notarial deedBefore presenting the deed to you, the notary undertakes to verify the ownership of the property and its compliance with urban planning and land registry regulations, as well as ensuring the absence of mortgages or other encumbrances that could impede the transaction.
It goes without saying that a prospective buyer would feel more at ease if they knew in advance the exact amount of all costs related to notary services, so as to carefully plan their available budget. Many people turn to a online notary and this choice is always correct, even if it is wrong to think that you can obtain a certain price immediately, given the many variables at play that will be presented below.
- Notary fees: what to consider
It is important to clarify immediately, in fact, that the notary fees for purchasing a first home has a very variable amount, given that it is based on the value of the property and the area in which it is located and on the presence or absence of the additional mortgage deed. Furthermore, the notary's fee includes three items in particular. The first concerns the registration, land registry and mortgage taxes, which are mandatory and established by the State, calculated on the cadastral income of the property; the second is the share of thefee, or the actual fee the notary receives for performing his professional services. As mentioned, this fee can vary based on multiple factors and is at the notary's discretion, after which 22% VAT is added. The third item concerns any reimbursement of expenses, which serve to reimburse the notary for the expenses he had to incur in finding all the necessary documents and bureaucratically managing the deed.
It's important to keep in mind that the indicative data found online or through AI often refers to a very wide range, given the many variables that must be considered to arrive at the final cost, including taxes, the effective deed, any incentives, and the mortgage, which can significantly increase or decrease the cost.
In Italy, these sums could be estimated between €1.500 and well over €3.000 + taxes, but it is never possible to know how much the notary's fee will be. Those interested in having a complete, reliable and detailed estimate can request a free quote. certified estimate for drawing up the notarial deed on the NotaioFacile platform.
Therefore, when searching for a notary online, it's always a good idea to contact them promptly, using the platform to request a detailed quote and not rely on estimates, which are almost always far from reality. Choosing the right notary is crucial when buying your first home, and even a small mistake in your calculations can translate into thousands of euros more spent that could have been easily saved.
For example, one way to reduce notary costs is to consider the cadastral value of the property rather than the market one. By appealing to this principle, called "price-value", the notary allows the user to obtain a Up to 30% discount on notary fees. Furthermore, the buyer can deduct during the tax return process, a part of the notary fees related to the mortgageFor the mortgage contract and the mortgage registration, 19% of the amount paid can be deducted, up to a maximum of €4.000.
Thanks to NotaioFacile.it, the leading online tool for notarial planning, users can quickly and easily obtain accurate, certified information directly from professionals, avoiding generic estimates and potential calculation errors by realistically analyzing every detail of their purchase and sale deed.
