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Free loan of a home, comodato d'uso gratuito (Italy)

Italiano
Italy
Real Estate
Contract
Print & sign
2 pages · 0 sold

Published byDocMuse

This document is in Italian

The PDF you download is in Italian — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.

For an owner lending a home in Italy free of charge to a child, a parent or anyone else, and for the person living there: the comodato of articles 1803 ff. of the Italian Civil Code, with the property, residential use, a fixed term or none, ordinary expenses borne by the borrower, and early return if the lender has an urgent, unforeseen need. It is registered with the Agenzia delle Entrate within thirty days on the RAP form (€200 registration tax plus stamp duty); registration is also what the IMU reduction between parents and children requires. In Italian.

  • Made for use in Italy
  • Last updated October 14, 2026

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When to use this document

  • You want to let your child live in your flat in Italy without paying rent.
  • Your parents live rent-free in a home you own in Italy and you want it in writing.
  • The Comune asks for a registered contract before it reduces the property tax.
  • You need a free loan of a home with a clear date or rule for giving it back.

What you fill in

The details the document asks for.

  • Lender (comodante, the owner who lends the property)
  • Lender's codice fiscale (Italian tax code)
  • Lender's address
  • Borrower (comodatario, who uses the property free of charge)
  • Borrower's codice fiscale (Italian tax code)
  • Borrower's address
  • Family relationship between the parties (optional)
  • Address of the property
  • Description of the property (floor, flat number, rooms, cellar or garage, furniture)
  • Land-registry data (foglio, particella, subalterno, category, rendita)
  • Length of the loan
  • End of the loan (fixed term only)
  • City
  • Date

Common questions

Does a free loan of a home in Italy have to be registered, and what does it cost?
A written comodato of property is registered with the Agenzia delle Entrate within thirty days of signing, on the RAP form, online or at an office: the fixed registration tax is €200, plus stamp duty, normally €16 for every four pages. The contract has the parties share these costs equally. Registration gives the contract a certain date and is needed for the tax reliefs.
Is there an IMU property-tax reduction when a home is lent to a child in Italy?
Yes, on conditions: art. 1(747)(c) of Italian Law no. 160 of 27 December 2019 halves the IMU tax base for a home lent to a parent or child who lives there as their main home, if the contract is registered, the home is not a luxury category (A/1, A/8, A/9) and the lender lives in the same Comune and owns no other home in Italy besides this one and, possibly, their own main home in that Comune. The Comune's tax office explains free of charge what is needed.
Can the owner ask for the home back before the loan ends?
Under a fixed-term comodato, only if an urgent and unforeseen need arises (art. 1809 of the Italian Civil Code); otherwise at the end of the term. With no term set, the borrower returns the home as soon as the lender asks (art. 1810). The borrower may not lend or let it to anyone else without the lender's consent. Disputes over a comodato must go to mediation before court.

How you can sign this document

  • Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
  • Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked

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