Mortgage Visura on Real Estate in Italy

13/01/2025   Category:  Land Registry and Property Records

The Mortgage Visura on Real Estate and Its Usefulness: An Essential Document for Your Legal Security

The mortgage visura is an official document that reports information about mortgages and encumbrances on a property, providing a clear picture of the property's legal status in Italy. It is an excerpt from the mortgage register, where all legal acts affecting real estate, such as mortgages, foreclosures or seizures, are recorded.

What does a mortgage visura in Italy contain?

A mortgage visura contains mainly:

• Property identification data: The address, description and identification of the property.
• Liens and mortgages: Details of any mortgages, foreclosures or other legal encumbrances registered on the property.
• Persons involved: The names of the persons or entities that have registered the mortgage or encumbrance, as well as details about the debtors.

Why it is useful.

• ✅ Verification of the legal status of the property: Mortgage view is essential to know whether the property is encumbered by mortgages, foreclosures or other legal issues, avoiding surprises when buying or selling.
• ✅ Security in buying and selling: If you are about to buy a property, mortgage view is essential to make sure there are no liens that could jeopardize the purchase or future sale.
• ✅ Risk assessment: Knowing the presence of mortgages or encumbrances helps you to better assess the risk associated with a property, to decide whether to proceed with the purchase or how to handle the situation in case of sale.
• ✅ Legal and Financial Practices: A mortgage view is often required in legal contexts or to obtain financing, such as in the case of mortgages, to ensure that the property can be used as collateral.

How to obtain it?

Turn to WP Advisor Italy to request your mortgage view. Our experienced team will help you obtain the document and interpret the legal information clearly and confidently to protect your interests.