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Italy - Obtain a Pledge and Liens Certificate (Visura Ipotecaria)

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Procedure[edit]

In principle, anyone presenting title and a registration note in two originals can, upon payment of the fee, sign off on the note (article 17 of Law No. 52/1985) and request the publication of the property transaction, naturally during office hours (article 2677 of the Civil Code). The person taking receipt will collect the documents and record them in the General Registry for their subsequent allocation to the various particular registries (article 2679 of the Civil Code) and issue a receipt with the admission number (article 2678, 3rd paragraph, of the Civil Code).

The search can be carried out only on those property deeds that have been computerized, and on those properties for which the tax code used in the search corresponds to that of the registered holder in the cadastral archives.

If there are any inconsistencies or errors in the information contained in the archives, it is possible to contact the Contact Center and the Provincial Offices of the Territorial Agency.

To access the service you must register on the web site of the Inland Revenue. Once registered, you may start searching by using the PIN code provided by the Inland Revenue.

Visit http://www1.agenziaentrate.gov.it/inglese/services/cadastral_services.htm or go personally to any of the following provincial Italian Revenue Agency offices.



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Required Documents[edit]

  • Identifying details of the property owned by the subject
  • Data relating to the ownership and to the relevant entitlement share
  • Cadastral rent and the location for property registered in the cadastre of buildings
  • Income from an estate and agrarian income for property registered in the land register



Office Locations & Contacts[edit]

Ministry of Economy and Finance
via XX Settembre,
97 - 00187
Roma
Phone +39 06.476111

Offices, addresses and contact numbers

Inland Revenue
Via Cristoforo Colombo. 426 C / D
00145 Roma
Fiscal Code and VAT number: 06363391001

Find the provincial Italian Revenue Agency office Territory



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Eligibility[edit]

The search, at the moment is limited only to individual persons



Fees[edit]

Explain the fees structure which is required for obtaining the certificate/document.



Validity[edit]

Explain the time until which the certificate/document is valid.
e.g. Birth Certificate Valid Forever



Documents to Use[edit]

register online Inland Revenue



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Sample Documents[edit]

Please attach sample completed documents that would help other people.



Processing Time[edit]

Please explain processing time taken in obtaining the document/certificate.



Related Videos[edit]

Videos explaining the procedure or to fill the applications. 
Attach videos using the following tag <&video type="website">video ID|width|height<&/video&> from external websites.
Please remove the "&" inside the tags during implementation.
Website = allocine, blip, dailymotion, facebook, gametrailers, googlevideo, html5, metacafe, myspace, revver, 
sevenload, viddler, vimeo, youku, youtube
width = 560, height = 340, Video ID = Can be obtained from the URL of webpage where the video is displayed.
e.g In the following url "http://www.youtube.com/watch?v=Y0US7oR_t3M" Video ID is "Y0US7oR_t3M". 
	



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Instructions[edit]

The Inland Revenue Office - together with the Territorial Agency - is committed to providing citizens with data and information; by using "Search for cadastral data by tax code", it is now possible to obtain the cadastral data of properties online.

By indicating the tax code of a property owner, the province and the cadastral area where the search is to be carried out, it is possible to obtain information relating to property situated throughout Italy (excluding the autonomous provinces of Trento and Bolzano).



Required Information[edit]

  • The personal details of the property owner
  • The identifying details of the property owned by the subject
  • The data relating to the ownership and to the relevant entitlement share
  • The cadastral rent and the location for property registered in the cadastre of buildings
  • Income from an estate and agrarian income for property registered in the land register



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Need for the Document[edit]

The Pledge and Liens certificate (Visura Ipotecaria) is a certificate stating whether a person, natural or legal person, is the owner of real property and the presence of pledges, encumbrances or other liens on them.

Visura ipotecaria is the search carried out on the mortgage register to check that the property is unencumbered by a mortgage.

It shows whether the property is burdened with charges such as mortgages, loans, court orders or adverse entries.



Information which might help[edit]

If one conducts a search (known as a visura ipotecaria) to discover whether a person is the titleholder to a particular property, if the result is positive the registration note will be returned and from this you may trace the basis for the title and examine it, should you wish to know the terms of the agreement under which the asset was acquired



Other uses of the Document/Certificate[edit]

  • The mortgage certificate is a document issued by the registrar of the land registry that contains the certified copy of the transcripts / entries / records or confirmation that there is not any.
  • The certificate includes general mortgage copies of all notes that are the inspection paper and / or electronically in which this is the subject for which it is required; special mortgage certificate, however, contains copies of the notes relating to a subject limited to one or more specified properties.
  • The certificate, general or special, is required by the Department of Real Estate Services in advertising Provincial Offices - Land, for example, procedures for the allocation of social housing or foreclosure and expropriation.



External Links[edit]

http://italycertificates.com/index.php/network/item/26-pledges-and-liens-certificate

http://sgraham-italy.co.uk/guide-buying-property-italy

http://www.mef.gov.it/en

http://www.agenziaterritorio.it



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Others[edit]

As the buyer, you will also need to arrange for a charges search (visura ipotecaria) in order to check that the property is not burdened with charges such as mortgages, loans, court orders or adverse entries which may affect your purchase.

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