{"id":43041,"date":"2026-06-22T19:58:30","date_gmt":"2026-06-22T18:58:30","guid":{"rendered":"https:\/\/www.lica.ch\/?p=43041"},"modified":"2026-06-22T21:20:48","modified_gmt":"2026-06-22T20:20:48","slug":"loan-to-buy-in-italy-how-to-finance-your-property-project","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/","title":{"rendered":"Loan to Buy in Italy: How to Finance Your Property Project"},"content":{"rendered":"<p class=\"wp-block-paragraph\">A loan to buy property in Italy is increasingly attracting Swiss residents. A house in Tuscany, an apartment in Liguria, a retirement retreat, or a family home \u2013 Italy offers a sought-after lifestyle. However, financing remains the trickiest part. An Italian mortgage imposes strict conditions on non-residents, while a Swiss mortgage rarely covers property located abroad. In this context, loans to buy property in Italy most often go through <a href=\"https:\/\/www.lica.ch\/en\/personal-loan-in-switzerland\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-prive-en-suisse\/\">Swiss private credit<\/a> : It allows you to finance part or even all of the property within a well-defined legal framework. With Lica, you can verify your financing capacity before committing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Credit to buy in Italy: is it possible from Switzerland?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, buying property in Italy from Switzerland is entirely legal. Italy applies the principle of reciprocity to Swiss nationals: purchases are permitted without the requirement of residency, and without quotas or prior government authorization. Only one step remains indispensable: obtaining the <em><a href=\"https:\/\/arlettipartners.com\/fr\/le-code-fiscal-italien-pour-les-etrangers\/\" type=\"link\" id=\"https:\/\/arlettipartners.com\/fr\/le-code-fiscal-italien-pour-les-etrangers\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tax code<\/a><\/em>, the Italian tax code number, essential for signing any notarized deed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The real challenge is therefore financial. Before signing anything, you need to know your overall budget., <a href=\"https:\/\/www.lica.ch\/en\/real-estate-loan\/buy-property-without-own-funds\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-immobilier\/comment-faire-un-achat-immobilier-sans-fonds-propres\/\">your own funds<\/a> and your ability to repay. That's precisely where a loan to buy in Italy, applied for in Switzerland, makes perfect sense.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Italian mortgage: why credit to buy in Italy is better through Switzerland<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Italian banks accept applications from non-residents, but they apply significantly stricter rules than they do for Italian tax residents. Understanding these technical constraints helps measure why a loan to buy in Italy taken out in Switzerland is often a better option.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">An LTV capped at 60% and a high down payment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The funding ratio<a href=\"https:\/\/calcoi.com\/fr\/calculateurs\/mortgage-guarantee-cost\/\" type=\"link\" id=\"https:\/\/calcoi.com\/fr\/calculateurs\/mortgage-guarantee-cost\/\" target=\"_blank\" rel=\"noreferrer noopener\">LTV<\/a>) For a non-resident borrower, the loan-to-value ratio is generally limited to 50\u201360 % of the appraised value, compared to approximately 80 % for a resident. In practical terms, you must come up with a substantial down payment, often 40 % or more of the property\u2019s price. If not properly anticipated, this limit can derail the transaction after the preliminary sales agreement is signed, resulting in the loss of the deposit already paid.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Documents, domiciliation, and reduced duration<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proof of income from the country of residence, translated and certified.<\/li>\n\n\n\n<li>Italian bank account often required for direct debiting monthly payments.<\/li>\n\n\n\n<li>Reduced maximum term: often 20 years, compared to 25 to 30 years for residents.<\/li>\n\n\n\n<li>Longer procedure, in a foreign language and legal framework.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">The trap of the Italian variable interest rate<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Italian banks still frequently offer variable-rate loans indexed to <a href=\"https:\/\/www.euribor-rates.eu\/fr\/euribor-hypotheque\/\" type=\"link\" id=\"https:\/\/www.euribor-rates.eu\/fr\/euribor-hypotheque\/\" target=\"_blank\" rel=\"noreferrer noopener\">the Euribor<\/a>. After interest rates rose between 2022 and 2024, some borrowers saw their monthly payments increase significantly. Therefore, before signing anything, it's essential to check the terms for rate capping. This uncertainty contrasts with the clarity of a loan to purchase property in Italy taken out in Switzerland, with a fixed rate and monthly payments set in advance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Swiss mortgages rarely finance Italian property, either.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A Swiss mortgage is based on real estate collateral located in Switzerland. However, a Swiss bank finds it very difficult to secure collateral on Italian property: different legal rules, location outside of jurisdiction, and complex procedures make the setup almost impossible. The traditional mortgage route is therefore closed on both sides of the border, which makes <a href=\"https:\/\/www.lica.ch\/en\/personal-loan-in-switzerland\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-prive-en-suisse\/\">personal loan<\/a> Switzerland, the most concrete alternative.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Swiss Personal Loans: Finance Up to the Full Value of the Property<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Swiss private credit does not require a mortgage on the Italian property. It relies solely on your personal solvency and is requested in Switzerland, within a controlled legal framework. The monthly payments are fixed and determined in advance, which facilitates project planning.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Its main advantage: with loan amounts ranging from 5,000 to 400,000 CHF, a loan for purchasing property in Italy can finance part of the project, supplement an Italian mortgage, or\u2014for many properties\u2014cover the entire purchase price. This allows you to avoid the 60 % LTV cap, the language barrier, and Italian banking restrictions.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Swiss personal loans are a viable option when used to finance a real estate project abroad in a controlled manner, though they should never replace the essential assessment of a household\u2019s creditworthiness and financial stability.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">The grant depends on income, expenses, job stability, and creditworthiness. <a href=\"https:\/\/www.lica.ch\/en\/regulation\/consumer-credit-law-what-you-need-to-know\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/reglementation\/loi-sur-le-credit-a-la-consommation-ce-que-vous-devez-savoir\/\">The Swiss Consumer Credit Act<\/a> (LCC) protects against excessive debt. Lica analyzes your situation and helps you determine a realistic amount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Purchase the entire property with a loan of up to 400,000 CHF<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many properties in Italy\u2014especially those outside major cities\u2014fall within a price range that allows for full financing. Whether you\u2019re looking for an apartment, a small family home, or a vacation home, a mortgage to buy property in Italy can cover the full purchase price, up to a limit of 400,000 CHF and <a href=\"https:\/\/www.lica.ch\/en\/solvency\/check-your-creditworthiness-before-applying-for-a-loan\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/solvabilite\/verifier-sa-solvabilite-avant-de-demander-un-credit\/\">your repayment capacity<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">To complete its own funds or a personal contribution<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you already have savings, a loan to buy in Italy can supplement your own funds without depleting your reserves. This solution is particularly useful for reaching the high down payment required by an Italian mortgage. However, financial security should always remain available.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pay notary fees, agency fees, and taxes<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The listed price is never the total cost. For a non-resident, closing costs generally amount to 10 to 15 % of the price, which is roughly double what a resident would pay. A personal loan can cover these costs from the outset.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Book quickly or finance renovations<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some properties sell quickly and <em>Purchase offer<\/em> can require an immediate deposit. Private credit allows for a quick response. After the purchase, <a href=\"https:\/\/www.lica.ch\/en\/renovation-loan\/home-improvement-loan-how-to-finance-your-renovations-easily\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-travaux\/le-credit-pour-les-travaux-comment-financer-vos-renovations-simplement\/\">It also finances the work<\/a>, furnishings, or renovations, while preserving liquidity for unforeseen circumstances.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Swiss private credit or Italian mortgage: what's the difference?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Swiss private credit relies on your personal creditworthiness, without collateral on the property. The Italian mortgage, on the other hand, is secured by the property and subject to local banking regulations. The table below summarizes the essential differences for a non-resident buyer considering credit to purchase in Italy.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Criteria<\/th><th class=\"has-text-align-left\" data-align=\"left\">Swiss private credit<\/th><th class=\"has-text-align-left\" data-align=\"left\">Italian mortgage<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Warranty<\/td><td class=\"has-text-align-left\" data-align=\"left\">None on the property<\/td><td class=\"has-text-align-left\" data-align=\"left\">The Italian good<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Prize funding<\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to 100 % (max. 400,000 CHF)<\/td><td class=\"has-text-align-left\" data-align=\"left\">50\u201360 % of the appraised value<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Required contribution<\/td><td class=\"has-text-align-left\" data-align=\"left\">No mandatory contribution<\/td><td class=\"has-text-align-left\" data-align=\"left\">40 % or more<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Rates<\/td><td class=\"has-text-align-left\" data-align=\"left\">Fixed, with known monthly payments<\/td><td class=\"has-text-align-left\" data-align=\"left\">Often variable (Euribor)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Duration<\/td><td class=\"has-text-align-left\" data-align=\"left\">Defined in Switzerland<\/td><td class=\"has-text-align-left\" data-align=\"left\">Often limited to 20 years<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Steps<\/td><td class=\"has-text-align-left\" data-align=\"left\">In Switzerland, in French, German, or Italian<\/td><td class=\"has-text-align-left\" data-align=\"left\">In Italy, in Italian<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What is<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The amount of a loan for a purchase in Italy depends on your ability to repay it. Lica analyzes your regular Swiss income, your expenses, your rent, <a href=\"https:\/\/www.lica.ch\/en\/debt-consolidation-loan\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/rachat-de-credit\/\">your existing credits<\/a> and your family obligations. The loan term directly influences the monthly payment. A budget that is too tight increases the risk. This step avoids unrealistic commitments before signing in Italy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The total budget to be allocated, including CHF\/EUR exchange rate<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A reliable budget includes the price of the property and all ancillary costs: <em>Stamp duty<\/em> (<a href=\"https:\/\/immoconnexion.com\/acheter-italie-sans-etre-resident\/\" type=\"link\" id=\"https:\/\/immoconnexion.com\/acheter-italie-sans-etre-resident\/\">9 % of the assessed value for a non-resident<\/a>), notary fees (1 to 2.5 %), real estate agent\u2019s commission (2 to 4 %), translations and apostilles, bank fees and currency exchange CHF\/EUR. Add <a href=\"https:\/\/www.lica.ch\/en\/renovation-loan\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-travaux\/\">work<\/a>, furnishings, condominium fees, IMU (property tax), insurance, and maintenance. A loan to buy in Italy should therefore be calculated on the total budget, never on the sale price alone.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Prepare a loan to buy in Italy before signing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Arranging financing for a purchase in Italy before signing allows you to proceed with peace of mind. Start by defining your project: secondary residence, retirement, investment, or family property.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Estimate the total budget in euros, including fees.<\/li>\n\n\n\n<li>Calculate your available savings.<\/li>\n\n\n\n<li>Identify the actual funding need.<\/li>\n\n\n\n<li>Check your creditworthiness in Switzerland.<\/li>\n\n\n\n<li>Ask for a <a href=\"https:\/\/www.lica.ch\/en\/loan-application\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/demande-de-credit\/\">Private credit simulation<\/a> from 1TP to 13T.<\/li>\n\n\n\n<li>Estimate the tax ID number and the exchange rate CHF\/EUR.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Useful documents for the application in Switzerland<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The file remains concrete: ID or residence permit, <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/required-documents-to-get-a-loan\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-personnel\/quels-sont-les-documents-necessaires-pour-obtenir-un-credit\/\">Proof of income<\/a>, fees, employment contract, existing loans, and financing needs. Information about the property is helpful if it already exists.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The checklist before signing in Italy<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Confirmed total budget, including expenses ranging from 10 to 15 %.<\/li>\n\n\n\n<li>Repayment capacity verified in Switzerland.<\/li>\n\n\n\n<li>Private credit simulation obtained.<\/li>\n\n\n\n<li>Preliminary Italian due diligence (urban planning compliance, service charges).<\/li>\n\n\n\n<li>Tax code being processed.<\/li>\n\n\n\n<li>Notary or identified local professional.<\/li>\n\n\n\n<li>Contingency allowance provided.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Who is eligible for a loan to buy in Italy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit for purchasing property in Italy suits several profiles: a Swiss couple buying a second home, a resident of Italian origin financing a family property, <a href=\"https:\/\/www.lica.ch\/en\/pensioner-loan\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-rentier\/\">a future retiree<\/a> preparing a pied-\u00e0-terre, or a buyer who has <a href=\"https:\/\/www.lica.ch\/en\/real-estate-loan\/buy-property-without-own-funds\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-immobilier\/comment-faire-un-achat-immobilier-sans-fonds-propres\/\">equities<\/a> insufficient for the required contribution in Italy. It remains particularly well-suited for fully financing an apartment, associated costs, renovations, or a time-sensitive opportunity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The limits to know<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The amount remains capped at 400,000 CHF and depends on your <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/calculate-maximum-loan-amount\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/\">repayment capacity<\/a>. For a very valuable item, private credit may only cover part of the price. Credit must remain compatible with the household budget: Italian fees and unforeseen expenses must be anticipated, and approval remains subject to <a href=\"https:\/\/www.lica.ch\/en\/solvency\/check-your-creditworthiness-before-applying-for-a-loan\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/solvabilite\/verifier-sa-solvabilite-avant-de-demander-un-credit\/\">A solvency analysis<\/a> to avoid over-indebtedness.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Lica Can Help You Secure a Loan to Buy Property in Italy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lica helps you prepare your loan application to buy property in Italy within a clear and tailored framework. The process begins with an analysis of your financial situation. Next, Lica estimates your <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/personal-loan-benefits-with-lica-credit\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-personnel\/emprunt-prive-quels-sont-vos-avantages-avec-lica-credit\/\">borrowing capacity<\/a> and offers you a personalized simulation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You benefit from centralized processes in Switzerland, a French-speaking contact, and assistance with compiling your file. The goal is simple: to validate your financing capacity before signing in Italy, and then proceed until the funds are released.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buying in Italy from Switzerland is possible, but financing must be planned in advance. Faced with the limitations of Italian mortgages for non-residents, financing to buy in Italy via <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/how-personal-loans-work-in-switzerland\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-personnel\/comment-fonctionne-le-pret-prive-en-suisse\/\">a Swiss private loan<\/a> offers a flexible alternative: it can finance expenses and renovations, supplement a down payment, or cover the full cost of a property up to 400,000 CHF. Terms always depend on your ability to repay. With Lica, you can clarify your plans and move forward with confidence.<\/p>","protected":false},"excerpt":{"rendered":"<p>Un cr\u00e9dit pour acheter en Italie s\u00e9duit de plus en plus de r\u00e9sidents suisses. Maison en Toscane, appartement en Ligurie, pied-\u00e0-terre pour la retraite ou bien familial : l&rsquo;Italie offre un cadre de vie recherch\u00e9. Pourtant, le financement reste le point le plus d\u00e9licat. Une hypoth\u00e8que italienne impose des conditions strictes aux non-r\u00e9sidents, tandis qu&rsquo;une [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":43040,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26],"tags":[],"class_list":["post-43041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-immobilier"],"_yoast_wpseo_focuskw":"Cr\u00e9dit pour acheter en Italie","_yoast_wpseo_title":"Cr\u00e9dit pour acheter en Italie : Financer votre projet immobilier","_yoast_wpseo_metadesc":"Cr\u00e9dit pour acheter en Italie avec Lica pr\u00eat priv\u00e9 suisse simple et rapide, conditions sur-mesure et accompagnement expert jusqu'\u00e0 l'achat.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit pour acheter en Italie : Financer votre projet immobilier<\/title>\n<meta name=\"description\" content=\"Cr\u00e9dit pour acheter en Italie avec Lica pr\u00eat priv\u00e9 suisse simple et rapide, conditions sur-mesure et accompagnement expert jusqu&#039;\u00e0 l&#039;achat.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lica.ch\/en\/real-estate-loan\/loan-to-buy-in-italy-how-to-finance-your-property-project\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit pour acheter en Italie : Financer votre projet immobilier\" \/>\n<meta property=\"og:description\" content=\"Cr\u00e9dit pour acheter en Italie avec Lica pr\u00eat priv\u00e9 suisse simple et rapide, conditions sur-mesure et accompagnement expert jusqu&#039;\u00e0 l&#039;achat.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lica.ch\/en\/real-estate-loan\/loan-to-buy-in-italy-how-to-finance-your-property-project\/\" \/>\n<meta property=\"og:site_name\" content=\"Lica cr\u00e9dit priv\u00e9\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/lica.suisse\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-22T18:58:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-22T20:20:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/06\/Credit-pour-acheter-en-Italie_IMA.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Manuel Ognissanti\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/\"},\"author\":{\"name\":\"Manuel Ognissanti\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/person\\\/0e4c27387da111c483379d04ac44e092\"},\"headline\":\"Cr\u00e9dit pour acheter en Italie : comment financer votre projet immobilier\",\"datePublished\":\"2026-06-22T18:58:30+00:00\",\"dateModified\":\"2026-06-22T20:20:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/\"},\"wordCount\":1888,\"publisher\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Credit-pour-acheter-en-Italie_IMA.webp\",\"articleSection\":[\"Cr\u00e9dit immobilier\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/\",\"name\":\"Cr\u00e9dit pour acheter en Italie : Financer votre projet immobilier\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Credit-pour-acheter-en-Italie_IMA.webp\",\"datePublished\":\"2026-06-22T18:58:30+00:00\",\"dateModified\":\"2026-06-22T20:20:48+00:00\",\"description\":\"Cr\u00e9dit pour acheter en Italie avec Lica pr\u00eat priv\u00e9 suisse simple et rapide, conditions sur-mesure et accompagnement expert jusqu'\u00e0 l'achat.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Credit-pour-acheter-en-Italie_IMA.webp\",\"contentUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Credit-pour-acheter-en-Italie_IMA.webp\",\"width\":1000,\"height\":650,\"caption\":\"Cr\u00e9dit pour acheter en Italie\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-immobilier\\\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.lica.ch\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9dit pour acheter en Italie : comment financer votre projet immobilier\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/\",\"name\":\"Lica\",\"description\":\"Cr\u00e9dit priv\u00e9\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#organization\"},\"alternateName\":\"Lica\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#organization\",\"name\":\"Lica\",\"alternateName\":\"Lica\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/Logo_Yoast_Jaune_696x696.webp\",\"contentUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/Logo_Yoast_Jaune_696x696.webp\",\"width\":696,\"height\":696,\"caption\":\"Lica\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/lica.suisse\\\/\",\"https:\\\/\\\/ch.linkedin.com\\\/company\\\/lica-cr\u00e9dit\",\"https:\\\/\\\/www.tiktok.com\\\/@lica.ch\",\"https:\\\/\\\/www.instagram.com\\\/licacredit\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/person\\\/0e4c27387da111c483379d04ac44e092\",\"name\":\"Manuel Ognissanti\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/A-propos_Credit-Prive-En-Suisse_Collaborateur_MO-96x96.webp\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/A-propos_Credit-Prive-En-Suisse_Collaborateur_MO-96x96.webp\",\"contentUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/A-propos_Credit-Prive-En-Suisse_Collaborateur_MO-96x96.webp\",\"caption\":\"Manuel Ognissanti\"},\"description\":\"Conseiller cr\u00e9dit chez Lica depuis 2022. Sp\u00e9cialis\u00e9 dans le cr\u00e9dit priv\u00e9 et le rachat de cr\u00e9dits, il guide ses clients vers les solutions de financement les mieux adapt\u00e9es \u00e0 leur projet.\",\"sameAs\":[\"https:\\\/\\\/ch.linkedin.com\\\/in\\\/manuel-ognissanti-59b3171a3\"],\"url\":\"https:\\\/\\\/ch.linkedin.com\\\/in\\\/manuel-ognissanti-59b3171a3\",\"jobTitle\":\"Conseiller cr\u00e9dit\",\"worksFor\":{\"@type\":\"Organization\",\"name\":\"Lica\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/en\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Loan to Buy in Italy: Financing Your Property Project","description":"Loan to buy in Italy with Lica, the simple and fast Swiss personal loan: tailor-made terms and expert support all the way to purchase.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lica.ch\/en\/real-estate-loan\/loan-to-buy-in-italy-how-to-finance-your-property-project\/","og_locale":"en_US","og_type":"article","og_title":"Cr\u00e9dit pour acheter en Italie : Financer votre projet immobilier","og_description":"Cr\u00e9dit pour acheter en Italie avec Lica pr\u00eat priv\u00e9 suisse simple et rapide, conditions sur-mesure et accompagnement expert jusqu'\u00e0 l'achat.","og_url":"https:\/\/www.lica.ch\/en\/real-estate-loan\/loan-to-buy-in-italy-how-to-finance-your-property-project\/","og_site_name":"Lica cr\u00e9dit priv\u00e9","article_publisher":"https:\/\/www.facebook.com\/lica.suisse\/","article_published_time":"2026-06-22T18:58:30+00:00","article_modified_time":"2026-06-22T20:20:48+00:00","og_image":[{"width":1000,"height":650,"url":"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/06\/Credit-pour-acheter-en-Italie_IMA.png","type":"image\/png"}],"author":"Manuel Ognissanti","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/#article","isPartOf":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/"},"author":{"name":"Manuel Ognissanti","@id":"https:\/\/www.lica.ch\/en\/#\/schema\/person\/0e4c27387da111c483379d04ac44e092"},"headline":"Cr\u00e9dit pour acheter en Italie : comment financer votre projet immobilier","datePublished":"2026-06-22T18:58:30+00:00","dateModified":"2026-06-22T20:20:48+00:00","mainEntityOfPage":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/"},"wordCount":1888,"publisher":{"@id":"https:\/\/www.lica.ch\/en\/#organization"},"image":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/06\/Credit-pour-acheter-en-Italie_IMA.webp","articleSection":["Cr\u00e9dit immobilier"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/","url":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/","name":"Loan to Buy in Italy: Financing Your Property Project","isPartOf":{"@id":"https:\/\/www.lica.ch\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/#primaryimage"},"image":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/06\/Credit-pour-acheter-en-Italie_IMA.webp","datePublished":"2026-06-22T18:58:30+00:00","dateModified":"2026-06-22T20:20:48+00:00","description":"Loan to buy in Italy with Lica, the simple and fast Swiss personal loan: tailor-made terms and expert support all the way to purchase.","breadcrumb":{"@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/#primaryimage","url":"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/06\/Credit-pour-acheter-en-Italie_IMA.webp","contentUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2026\/06\/Credit-pour-acheter-en-Italie_IMA.webp","width":1000,"height":650,"caption":"Cr\u00e9dit pour acheter en Italie"},{"@type":"BreadcrumbList","@id":"https:\/\/www.lica.ch\/credit-immobilier\/credit-pour-acheter-en-italie-comment-financer-votre-projet-immobilier\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.lica.ch\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dit pour acheter en Italie : comment financer votre projet immobilier"}]},{"@type":"WebSite","@id":"https:\/\/www.lica.ch\/en\/#website","url":"https:\/\/www.lica.ch\/en\/","name":"Lica","description":"Personal loan","publisher":{"@id":"https:\/\/www.lica.ch\/en\/#organization"},"alternateName":"Lica","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lica.ch\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.lica.ch\/en\/#organization","name":"Lica","alternateName":"Lica","url":"https:\/\/www.lica.ch\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.lica.ch\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/10\/Logo_Yoast_Jaune_696x696.webp","contentUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/10\/Logo_Yoast_Jaune_696x696.webp","width":696,"height":696,"caption":"Lica"},"image":{"@id":"https:\/\/www.lica.ch\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/lica.suisse\/","https:\/\/ch.linkedin.com\/company\/lica-cr\u00e9dit","https:\/\/www.tiktok.com\/@lica.ch","https:\/\/www.instagram.com\/licacredit\/"]},{"@type":"Person","@id":"https:\/\/www.lica.ch\/en\/#\/schema\/person\/0e4c27387da111c483379d04ac44e092","name":"Manuel Ognissanti","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/11\/A-propos_Credit-Prive-En-Suisse_Collaborateur_MO-96x96.webp","url":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/11\/A-propos_Credit-Prive-En-Suisse_Collaborateur_MO-96x96.webp","contentUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/11\/A-propos_Credit-Prive-En-Suisse_Collaborateur_MO-96x96.webp","caption":"Manuel Ognissanti"},"description":"Credit advisor at Lica since 2022. Specialized in personal loans and debt consolidation, he guides his clients toward the financing solutions best suited to their project.","sameAs":["https:\/\/ch.linkedin.com\/in\/manuel-ognissanti-59b3171a3"],"url":"https:\/\/ch.linkedin.com\/in\/manuel-ognissanti-59b3171a3","jobTitle":"Conseiller cr\u00e9dit","worksFor":{"@type":"Organization","name":"Lica","url":"https:\/\/www.lica.ch\/en"}}]}},"_links":{"self":[{"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/posts\/43041","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/comments?post=43041"}],"version-history":[{"count":0,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/posts\/43041\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/media\/43040"}],"wp:attachment":[{"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/media?parent=43041"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/categories?post=43041"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lica.ch\/en\/wp-json\/wp\/v2\/tags?post=43041"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}