Un nido in cui rifugiarsi il fine settimana? Un reddito da affitto? Una catapecchia da ristrutturare e poi rivendere? La seconda casa per gli italiani rappresenta il realizzarsi del sogno di una vita ma, se non sfruttata adeguatamente, può rivelarsi un investimento sbagliato. Spesso la si acquista pensando ai figli, ma le famiglie, sempre più piccole e vecchie, e la mobilità dei giovani riducono di molto l’utilizzo di queste seconde case vacanza.

Hai valutato tutti gli aspetti prima di impegnarti in questo investimento? La seconda casa ha dei costi accessori elevati: le tasse e la manutenzione. Ecco per te qualche suggerimento.

1. Osserva il mercato immobiliare nella zona in cui cerchi casa. I prezzi medi di vendita dovrebbero darti un’idea di quanto possa costare un’abitazione nella zona scelta. Potresti anche chiedere informazioni agli agenti immobiliari, ma sappi che queste informazioni non sono sempre trasparenti. Tuttavia otterrai delle linee guida a cui attenerti.


2. Metti in previsione di non essere in grado di dare in affitto la seconda casa. Immagina di non poter contare sulle entrate dell’affitto per coprire le spese. Credi sia ancora un investimento sicuro? Molte famiglie acquistano una seconda casa troppo costosa, confidando sulla possibilità di darla in affitto quando non la usano. Se la condizione non si realizza, allora l’acquisto si trasforma in un investimento sbagliato. E son dolori!


3. Fai un elenco di quelle che saranno le spese. Ecco una lista delle principali spese da tenere in considerazione per non restare al verde:

  • Le imposte sulla proprietà? Queste tasse posso variare da regione a regione: acquista una casa in un comune confinante con quello della tua località preferita, ma con una minor pressione fiscale sugli immobili. Risparmierai alla grande!
  • Le utenze di base? Se la casa resterà disabitata per gran parte dell’anno non saranno alte, ma non vanno trascurate.
  • Le spese di manutenzione e ristrutturazione? Anche le case invecchiano e hanno bisogno di assistenza. Calcola tra le spese quelle di manutenzione ordinaria dei locali interni e degli esterni.
  • Maggiori costi assicurativi? Se non abiti la casa tutto l’anno, avrai bisogno di una copertura completa in caso di incendio, furto, alluvioni e trombe d’aria. È buona pratica aggiungere delle estensioni ad altri tipi di responsabilità, soprattutto se hai intenzione di dare in affitto la tua casa vacanze ad estranei.
  • Servizi per la gestione dell’immobile? Se dai in affitto l’immobile e non vivi in zona, ti dovrai attrezzare per avere una persona che, durante la tua assenza, controlli per te che le tubature non si congelino, che dal tetto non ci siano infiltrazioni e che la casa non abbia altri danni.
  • Non fare affidamento sugli stessi crediti di imposta di cui hai beneficiato per la prima casa. Chiedi informazioni all’Agenzia delle Entrate sulle imposte fiscali che comporta una seconda casa.


4. Hai già in tasca una copertura finanziaria? È consigliabile farsi fare una pre-delibera. Con il mutuo in mano, valuterai meglio che tipo di casa ti potrai permettere e potrai mettere da parte il denaro per la caparra.

Telefono che squilla inutilmente per i proprietari, agenzie che chiamano per avere il mandato, annunci inseriti su Internet che si perdono nella calca. Scordatevi tutto questo. Da oggi c’è Homepal.it: solo case tra privati senza agenzia, con calendario e offerte online. Zero scocciature, Benvenuto nel futuro!

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