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All percentages are illustrative market averages. Traditional route: broker 2% avg (up to 3% in the 100% + Expenses scenario); agency €4,000 + VAT when the price is under €100,000, and 4% + VAT from €100,000. Via Banks4All where involved: broker 1%–2% (the total uses the 1.5% average), agency 3% average (range 2.5%–3.5%). The total is before VAT: it is marked +IVA and the tax is not added into the number. Actual fees vary by provider and are agreed directly with them. Agency fees are always separate from the Banks4All service fee and are paid to the agency — with Banks4All you are free to buy through any agency or from a private seller. Consap first-home guarantee (Fondo Prima Casa) eligibility for financing above 80% up to 100% is subject to legal requirements beyond age (e.g. ISEE limits). POP fee: €3,000 for properties up to €200,000. POP+ (€200,000–€500,000): €5,000 only for a private purchase; €3,000 if the client proceeds through an agency, for any amount in that band. Registration tax is calculated on the cadastral value (from the visura catastale), usually well below market price; notary fees are illustrative averages. Taxes, notary, and mortgage set-up costs are the same on both routes — the saving comes from the intermediary chain. Banks4All is a client-paid platform (Mundida S.r.l.). It is not a bank, lender, or credit mediator; regulated credit mediation is performed exclusively by Credit Prime Mediazione Creditizia S.r.l. — OAM M540. No approval is guaranteed; final conditions depend on the lender.