Know what you can buy before you fall in love with it.
The Property Investment Plan is a written document that sets out your real purchase ceiling, your sustainable instalment range and every cost of buying in Italy. Not an estimate: every figure is traced back to a document you provided. It is free, and available within the next 12 hours — you apply for it in the Client Portal.
Banks4All is an independent property-affordability evaluation carried out by OAM-certified financial consultants. Banks4All and EasyCasa are distinct companies in the Mundida group: Banks4All takes no fee from EasyCasa, agencies or sellers, and no partner can influence the content of your plan.
No application carries a guarantee of approval. Creditworthiness is assessed solely by the lending institution. The Italian version prevails.
Evidence, not opinion
Most buyers start from a number someone guessed.
A figure from a friend, an online simulator, or a seller keen to close. It holds until the bank looks at the paperwork — and by then an offer has usually been made.
Built on what you said
- Gross salary, from memory
- Assumes twelve equal months of income
- Ignores existing instalments and cessioni
- Leaves out notary, taxes and agency costs
- Says nothing about how a lender reads your file
- Changes every time you ask again
Built on what you can prove
- Net income read from payslips and bank credits
- Thirteenth and fourteenth month treated correctly
- Existing commitments read from three months of statements
- Full purchase cost, line by line
- Structured the way a lender assesses it
- Written down, dated, and yours to keep
The evidence ledger
Every figure, and the paper it stands on.
This is the whole method in one table. Nothing enters your plan unless something in your file supports it. Where a figure is calculated rather than documented, we say so.
Where a document is missing, the plan says which figure is provisional and what would confirm it. We do not fill a gap with an assumption and present it as a finding.
What you receive
A written plan, in your language, that you keep.
Not a conversation you half-remember. A dated document you can take to a viewing, show your family, and hold a seller's claims against.
Prepared in Italian, English or Spanish, and walked through with you in Urdu, Hindi, Punjabi, Arabic, Bengali, Romanian or French where that is easier. You leave Phase One knowing exactly what you can afford, and why — before a single property is viewed and before any bank is approached.
Contents of your plan
Property Investment Plan
- Maximum purchase priceWith a deliberate buffer, so an unexpected cost does not undo the purchase.
- Estimated monthly instalment rangeSustainable and stress-tested, not the ceiling a lender might permit.
- Full cost breakdownNotary, taxes, agency, survey and mortgage set-up costs, itemised in euro.
- Deposit and liquidity positionWhat to commit and what to keep back for completion day.
- Recommended property search criteriaType, area, size and condition that fit both the budget and the household.
- Purchasing strategyTiming, negotiation approach, and where your position is strong or weak.
- Document checklist for Phase TwoExactly what a lender will ask for, prepared before it is asked for.
- Open pointsAnything provisional, and what would settle it.
Verified Buyer Badge
The document is for you. The badge is for the people selling to you.
Once every required piece of evidence has been received and verified and the plan is issued, Banks4All issues a Verified Buyer Badge. It is the confirmation — readable by our external partners such as Easy Casa Italy — that there is a verified file behind your offer, not an intention.
- Reference
- B4A-2026-00417
- Evidence
- Complete · verified
- Plan
- Issued · 12/03/2026
- Budget band
- Shown only with your consent
- Valid
- 6 months from issue
The badge attests to document verification carried out by Banks4All. It is not a mortgage approval, not a creditworthiness assessment, and not a proof of funds.
- What it tells an agencyThat identity, residence, household and income have been verified against documents, and that a documented purchase budget exists. Your offer is read differently.
- What it does not transmitNo document and no income figure leaves Banks4All. The badge communicates verification status and — only if you choose — the budget band to search within.
- What it is notNot an approved mortgage, not a commitment from any lender, not a proof of funds. Creditworthiness is assessed solely by the lending institution.
- Under your controlShared only with your consent, with the partners you name, and revocable at any time from the Client Portal.
How it is done
Seven steps, in order. Each one gates the next.
The order matters: we do not discuss property until the income picture is settled, and we do not settle the income picture from conversation alone.
Free first consultation
We listen to the project — where you want to live, who is buying with you, what you have already been told. If this is not the right moment to buy, we say so here. It is an answer we can afford to give, because we earn nothing on the transaction.
Start Property Plan in Portal →
The Property Investment Plan is applied for in the Client Portal. You open the file, upload the documents listed below to a secure area, and see at any moment what is outstanding and where the work has reached.
Document verification
We check each document is current, legible and complete. If something is expired or missing we tell you immediately, rather than at the end.
Income and expense analysis
We read real net income from payslips and bank credits — including irregular, seasonal, self-employed and partita IVA earnings — and read existing commitments from three months of statements. Nothing here is taken from memory.
Household needs assessment
Size, location, school zones, commuting, and plans for the next five years. A property that fits the budget but not the household is a problem deferred, not solved.
Budget map and cost modelling
We produce the purchase ceiling, the instalment range and the full cost breakdown, and model how each moves if the rate, the term or the deposit changes. You see the sensitivity, not just the single number.
Plan delivered, badge issued
The written plan is delivered and taken through with you line by line. With the evidence complete, your Verified Buyer Badge is issued. You then decide: search on your own with the plan in hand, or continue to Phase Two for mortgage application preparation.
What to bring
Seven documents. That is the whole list.
Clear photographs or scans are accepted — PDF, JPG or PNG — uploaded to the Client Portal. Every item is used for a specific part of the plan, set out below, and nothing is requested that the plan does not need.
| Document | Status | What it establishes |
|---|---|---|
| Identity card or passport | Required | Identity and nationality. Determines which lenders on the market are receptive to your profile. |
| Permesso di soggiorno | Optional | Where applicable. Type and expiry date affect which lenders will consider the file and over what term. |
| Tessera sanitaria | Required | Confirms the codice fiscale used on every document in the file. A mismatch here stalls an application later. |
| Certificato di residenza | Required | Registered address and length of residence in Italy — both read closely by lenders. |
| Stato di famiglia | Required | Household composition and dependants. Shapes both the affordability calculation and the property brief. |
| Latest payslip | Required | Real net income, contract type and seniority. For self-employed and partita IVA profiles we will ask for the equivalent income evidence instead. |
| Bank statement · last 3 months | Required | Income actually credited, existing instalments and commitments, and liquidity available for deposit and costs. |
Buying with someone else? Each buyer provides the same set. A joint plan is built from both files together, since the budget depends on the combined position.
Missing something? Start anyway. We will tell you which figures remain provisional, and the plan is updated once the document arrives. The Verified Buyer Badge is issued only when the evidence is complete.
Your data. Documents are held and processed under our privacy policy, for the purpose of preparing your plan and, if you continue, your application file. You can ask what we hold and request erasure at any time, subject to the record-keeping periods Italian anti-money-laundering law requires.
Read this before you start
What this plan is not.
A plan that overstates what it can do is worth less than no plan at all. So here are its limits, plainly.
Not a mortgage approval
No application carries a guarantee of approval. Creditworthiness is assessed solely by the lending institution. The plan tells you what to expect, not what you will get.
Not a rate offer
Instalment ranges are modelled on current market conditions and are indicative. Binding terms come only from a lender, in writing.
Not credit mediation
Banks4All does not lend and does not carry out credit mediation, which is reserved to operators entered in the OAM register. Those activities are performed by the regulated operators on our panel.
Not a property valuation
A formal valuation is carried out by a surveyor appointed by the lender. The plan sets your budget, not any specific property's worth.
Not legal or tax advice
Cost estimates use current Italian tariffs and rates. Your notary and your commercialista remain the authority on your specific position.
Not a property search
The plan defines the search criteria. The active search belongs to the Property Ownership Package (POP) — a separate service, with its own contract.
Transparency
Who pays us — and why it decides everything in your plan.
We tell you what you can afford. If a bank, an agency or a seller paid us, that number would be worth nothing. So none of them does.
We are paid by the client. Nobody else.
Banks4All receives no fee, commission, rebate or economic benefit from banks, financial intermediaries, brokers, insurance companies, real estate agencies, property vendors, or from any partner on its panel. Banks4All and EasyCasa Italy are distinct companies under common ownership within the Mundida group: there is no economic flow between them in either direction, and the relationship does not affect which solutions are presented. With panel partners we have collaboration contracts without remuneration to Banks4All — group affiliation with EasyCasa is not a panel arrangement. No operator can influence the solutions we present to you. The Italian version prevails.
No charge for the plan, for document verification, or for issuing the badge.
We assess feasibility and tell you plainly if this is not the right moment.
Premium services are optional, contracted separately, and their fees fall due only once the outcome is reached.
Our mortgage and loan partner
For mortgages and loans our official partner is Credit Prime Mediazione Creditizia S.r.l., entered in the OAM Credit Mediators Register under no. M540. The collaboration is not exclusive: we also work with other registered mediators. None of them pays us. The Italian version prevails.
You pay the regulated operator handling the file separately and directly, once funds are disbursed, under the mandate you sign with them. Banks4All retains no share of it.
- Legal name
- Credit Prime Mediazione Creditizia S.r.l.
- OAM register
- M540
- IVASS RUI
- E000704515
- Tax code / VAT
- 04323810988
Start here
Bring the seven documents. Leave with a number you can rely on.
The Property Investment Plan is free, and you apply for it in the Client Portal. We will tell you what your plan can establish, what it cannot, and whether this is the right moment to buy at all.
No application carries a guarantee of approval. Creditworthiness is assessed solely by the lending institution. The Italian version prevails.
For mortgages and loans our official partner is Credit Prime Mediazione Creditizia S.r.l., entered in the OAM Credit Mediators Register under no. M540. The collaboration is not exclusive: we also work with other registered mediators. None of them pays us. The Italian version prevails.
Banks4All provides advisory services and does not carry out credit mediation. Credit mediation services are provided by the regulated operators on the panel, each entered in its respective mandatory register.