Affitto a riscatto
Bilocale al terzo piano con box e cantina affitto a riscatto Caparra iniziale 15.000 Pagamenti mensili Saldo tra 3 anni Totale operazione immobiliare Euro 79.000
What it really costs
See what needs doing and what each job costs
The upfront €15,000 is not the real purchase price: the description states a total operation cost of €79,000, which is about €1,162/m² for 68 m² before any works, above the €769/m² baseline. With unknown condition, no photos, and a rent-to-own structure, this looks weak rather than a bargain despite garage/cellar included.
Decoration, tired fittings, a bathroom or a kitchen. The house is liveable as it stands.
Our read of the photos is €200/m². There is no published price band below €350/m², so the range is that figure widened by the spread of the lightest band.
Materials only, work you may do yourself€5,000 – €7,000
Wiring, water and sanitary work of any kind, heating, air conditioning and gas go to a registered firm by law, and so do flues and the air openings for gas appliances. That labour stays in the bill. Yours is the stripping out, plaster, paint, floors, tiling and carpentry.
Labour is 61% of a renovation price on average and 67% at the median, across 191 items of the Emilia-Romagna 2025 public price list. Materials are the rest. An averaged price list, not a quote.
Materials you buy yourself carry 22% VAT; supplied by the firm doing the work they go at the 10% renovation rate. On a €30,000 materials bill that is €3,600 of extra tax.
Household wiring installed before 13 March 1990 counts as compliant if it has a main breaker with overcurrent protection, protection against direct contact and a 30 mA RCD. Having a firm bring the existing wiring up to that and certify it is the cheapest lawful route.
Estimate from the listing and its photos, not a survey. Treat it as the starting point for your own quotes. An Italian builder's quote is normally written without VAT and without design fees, so add about a quarter to any figure a firm gives you.
The area around
Location score 37/100This is the central Bergamo plain, with flat agricultural land and a dense belt of small towns, warehouses and local roads between the Adda and Serio rivers. The Adda is the main nearby natural feature, with the Adda Nord regional park a short distance to the west. Bergamo is the nearest city of size, with a substantial historic upper town, services and rail links. The area is known for its industrial and logistics belt on the edge of the Milan-Bergamo urban corridor.