FinanceLifestyleMortgagePropertiesReal estate leasing for the first home in Italy

9 March 20240

Real estate leasing for the first home in Italy represents a unique opportunity for those wishing to purchase their dream home in the Bel Paese.

This particular type of financing gives those wishing to purchase a house the opportunity to rent it for an initial period, with the possibility of purchasing it later, at the end of the rental period. It is a concept that has gained ground in recent years, offering a combination of flexibility and financial planning that traditional mortgages sometimes lack.

Understanding property leasing

Real estate leasing in Italy is similar to renting a property, with one special feature: you have the option to buy the property at the end of the lease period. This method of purchase is particularly attractive for first-time home buyers or for those who cannot afford a traditional mortgage due to various reasons, including an insufficient down payment or an uncertain income.

How it works

The process starts with the potential buyer selecting the property. Instead of buying it outright, a financial institution or leasing company purchases the property. The buyer then enters into a lease agreement with the leasing company, paying a monthly fee for the use of the property. This lease typically lasts 15 to 20 years. At the end of the lease, the lessee has the option of buying the property at a predetermined price, continuing to rent it or leaving.


First home leasing is available to persons whose total income does not exceed EUR 55,000. In addition, the applicant must not already be the owner of a main home in Italy. First home leasing costs can be deducted in the tax return. However, there are certain distinctions depending on the age of the contract holder.

Financial implications

One of the most interesting aspects of property leasing are the potential tax advantages. Lessees can take advantage of deductions on lease payments, reducing the cost of purchasing a house. In addition, the initial down payment required is often lower than that of traditional mortgages, making it easier for people to start the process of home ownership.

The benefits

First, it provides a route to home ownership for those who may not have cash to spare or who are currently unable to access a mortgage. Secondly, it offers flexibility; tenants can decide at the end of the lease whether they want to buy the property or leave it. This period also allows them to save for a down payment while continuing to live in the house they wish to buy.

Furthermore, fixed rental fees and the possibility of buying at a predetermined price offer protection from market fluctuations. Tenants can set a purchase price at the beginning of the lease, potentially saving money if the value of the property increases over time.


Although property leasing offers a very unique opportunity, it is not without considerations. Lessees are responsible for maintaining and repairing the property during the lease period, which can result in unexpected costs. Also, if the lessee decides not to purchase the property at the end of the lease, they will walk away with no equity, unlike traditional home ownership where equity accumulates over time.


Property leasing for the first home in Italy represents an innovative solution for those wishing to enter the Italian real estate market. It offers financial flexibility, potential tax benefits and a structured path to home ownership. However, like any financial decision, it is important to carefully consider the terms and conditions, making sure they are in line with your long-term goals and financial situation. For many, property leasing could be the key to opening the door to their first home in Italy.

Leave a Reply

Your email address will not be published. Required fields are marked *



    Fill out the simple form and we will contact you to evaluate together the best market offer for you


    OCF CFA iscr. n.1918 del 04.05.2022
    EFPA ESG Advisor Cert. Nr. IT202221936
    N° iscrizione RUI: B000609294
    FERMA Rimap Cert. n. 20200262