Between saying and doing, when there is the purchase of a house, the difficulties are not missing. Especially if the buyer is a foreigner, do you want for little experience in this area, or the lack of knowledge of the language, procedures, contractual, legal and banking, so the Asppi, the Small Property Owners Union Association, has made multilanguage handbook- translated into French, English, Romanian, Spanish, Arabic and Chinese - now available in the full version on the Sole-24 Ore web site (www.ilsole24ore.com).

The guide covers all the steps of the trail that leads to the purchase of a house: the choice of the responsibilities of the seller and real estate, the expenses and taxes that are levied on the buyer and how to calculate the benefits for the purchase of first house, until the conclusion of a mortgage with advice on the interest rate more appropriate.

Before you run into the buying process make  it is good to know - you learn by reading the pages of the document - that the dwelling was built  regularly or, if not, that the owner is in possession of the amnesty issued by the city building office.

You must also verify about that there are active mortgages, the provenance of the property has to be checked, especially in cases where was received by the seller for inheritance or donation. About the condition of the property y rely on the glance may be always enough. There are cases where, in fact, it is appropriate to draw on the expertise of a technician (for example, for the evaluation of cracks). Overcome these obstacles, the next step is to determine the value of the property. The guide provides all the parameters for the calculation of the commercial area. But not enough. The picture (and price) change depending on whether the apartment is free or rented. In the latter case suffers a fall in the price between 20 and 30 per cent.

In the section on the responsibilities of the seller, it is stated that they must ensure that the property is free from defects likely for impair use. Then we move on to the stage where to buying a property, on pain of nullity, the written document (contract) is a must.  The handbook explains in detail the difference between preliminary contract and purchase contract various types of deposit. Finally, for those who use a mortgage, the document is detailing the differences between fixed, variable and mixed rates by describing the advantages and disadvantages of various options. It states that the tolerable rate is calculated on 33% of income.

"In everyday practice, however, banks are asking many more safeguards to an immigrant than a resident - says Bordolini Cesare, head of the new citizens project of Asppi and editor of the guide -. Consequently, the difficulty of having credit at the banks may open the way for illegal transactions such as counterfeiting.

The GUIDE is translated into six languages - French, English, Romanian, Spanish, Arabic and Chinese - the guide to property purchasing made by the small property owners union (fully downloadable from the website of the Sole-24 Ore).

The Asppi handbook aims to encourage the property purchase by immigrants living in Italy www.ilsole24ore.com