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NIB | Non Interest Buying in Italy

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.

Language: EN, IT, UR/HI, AR, Bengali

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

Course content

19 sections · 20 lectures · — total length

Collapse all sections

M01 · The map: why buying without a bank is possible 1 lectures

• Where the money comes from, if not from a bank Free preview 4:30

M02 · Common foundations: checks, the notary, registration, taxes 1 lectures

• What must be true before any of these contracts is signed Locked 4:30

M03 · Rent to buy 1 lectures

• Enjoyment now, ownership only if you exercise Locked 4:30

M04 · Sale with retention of title 1 lectures

• You move in now, and you own with the last instalment Locked 4:30

M05 · Seller instalment sale secured by a mortgage 1 lectures

• Ownership now, price later, mortgage registered with the deed Locked 4:30

M06 · Lease with a purchase clause 1 lectures

• Three schemes, and the name of the contract does not decide Locked 4:30

M07 · Buying time: option and registered preliminary 1 lectures

• A preliminary is good for two or three years, and not beyond Locked 4:30

M08 · Bare ownership 1 lectures

• You pay now, and you move in when the usufructuary dies Locked 4:30

M09 · Sale against a life annuity 1 lectures

• Ownership at once, payment for life Locked 4:30

M10 · Sale against lifetime care 1 lectures

• An atypical contract: resolution for breach is available Locked 4:30

M11 · Giving something else in payment 1 lectures

• An asset instead of money, and why it can be revoked Locked 4:30

M12 · Swapping property, including land for future flats 1 lectures

• Two transfers, one tax, and the plot that leaves at once Locked 4:30

M13 · Family capital: loan, gift, indirect gift 1 lectures

• The money goes from the parent to the seller, not into the child's account Locked 4:30

M14 · Buying together, and getting out again 1 lectures

• Dissolution can always be demanded. Statutory pre-emption cannot Locked 4:30

M15 · Judicial auctions and insolvency sales 1 lectures

• The balance within 120 days, and the house free of mortgages Locked 4:30

M16 · Institutional routes: co-operatives, public housing, PEEP, social housing 2 lectures

• Co-operatives and redeeming a public-housing unit Locked 3:00
• PEEP and the Piano Casa: the cost cap, and what is not yet operational Locked 3:00

M17 · Partial routes: mortgage assumption, assigning a preliminary, leasing 1 lectures

• These reduce the bank problem, or move it. They do not remove it Locked 4:30

M18 · Traps and false friends 1 lectures

• Structures that look like routes and are not Locked 4:30

M19 · Choosing your route and closing safely 1 lectures

• Comparison matrix, decision tree, ten steps Locked 4:30

Requirements

• No prior experience required.
• An internet connection and a device to follow the lessons.

Description

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.

Who this course is for

• Anyone who wants job-ready skills through video training.
• Professionals who prefer on-demand learning.