Sunday, April 14, 2013
Lucy and I have already decided we won’t be buying a house
in Italy. We probably will continue to come for two or three months a year, and
in the back of our minds is still the grand romantic notion to have a place to
call our own, but we’ve concluded it’s just not practical. That doesn’t keep us
from walking around houses that are for sale and dreaming, but our good sense
and low bank balance enable us to walk away afterwards.
Me cutting weeds on the hillside. |
During my two-day visit with German friends Eberhard and
Dorothea, I see lots of evidence that we have the right idea. They own a
three-bedroom remodeled rustico in a steep
valley above Pian di Mommio near Viareggio. I have come to help shore up a
crumbling terrace and do some grass cutting, and when I finish, we sit on their
deck and swap stories and solve some of the problems of Italy, Germany and the
United States. It occurs to me that this might be a good time to prove to
myself how smart I am to have abandoned any serious thoughts about buying a
home of my own in Italy, so I ask how much they spend per year to keep up this
house, which they bought in December of 1985. At that time, it was listed as a rustico in statu pessimo—an old
farmhouse in the worst of conditions—and it required a complete overhaul. I’m
sure that cost a bundle, but I am more interested in their on-going costs right
now.
Prices are given in euros, so multiply by 1.3 to convert to
today’s dollars. Property taxes are around 800 per year. The local government
charges around 250 a year for garbage and miscellaneous services. Water is 120 a
year and gas 800. Add a couple of hundred for insurance and 160 for the ragioniere who files their tax payments.
They also pay a road fee of 200 for shared maintenance of the privately owned
road that runs up the valley.
Eberhard cooks up a hearty German-Italian meal. |
Before I total this up, though, bear with me for a brief
digression. Eberhard has told me a story that is worth repeating, because it
points out a difference between the inclinations of Germans and Italians. A few
years after purchasing the house, Eberhard noticed he had not received any
bills from the municipality for his water service. He went to the comune with cash in hand, ready to pay
the appropriate amount to the appropriate person, but he was shuffled from one
department to the next. Finally finding a man who had something to do with the
connection of water service, he was told he could not pay because he was not
listed as a recipient of water services. “You are not in the queue,” the man
said. “Check back later.”
A few more years passed, and still no water bill came, so
again he went back to the comune to
try to pay. Come back next year, he was told, and so he did. This time, with
great difficulty, he was able to pay. His house still did not have an address,
though, and officials remained baffled about how to assign a payment to a house
that had no address. They asked if he had a work address in Italy they could
use, but he didn’t have one. They sent him to the bank to set up a payment
deduction, but the bank refused because they didn’t have a proper bill giving
his house address. Finally someone at the comune
figured out a way to accept his money, and now he makes regular payments. It is
only in the last few years that he has actually received a letterbox to accept
mail.
Dorothea and Eberhard with some delicious antipasto. |
The incident explains a lot about why the Italians have such
a reputation for bureaucratic inefficiency. They are famous also for finding
methods to avoid taxes and fees, and while they may openly denounce those who
skirt the rules, they are known to admire the cleverness of the neighbor who is
able to avoid the burdensome taxes and regulations.
Conversely, Germans are known not only to be efficient but
also as strict followers of the law. Elena has told me she likes to give tours
to Germans because they always follow directions and are always on time.
Eberhard’s diligence to make his payment is a good example of typical German
behavior. However, his actions confused and confounded the Italian bureaucrats,
who could not fathom his intentions. A good Italian would not want to pay a fee
he was not billed for. They suspected Eberhard must be seeking some additional
services that they did not want to provide.
“You could see it in their eyes,” Eberhard says. “It was
absolutely unbelievable that this person has come to pay a fee when no payment
has been asked.”
Getting back to the current house costs, the total of the fixed
fees for the house comes out to 2430 per year, not yet counting maintenance and
repairs. This year they have discovered a leaky roof and have hired a muratore to fix the ceramic tiles. Then
they will have to apply some sealer and repaint the damages that occurred
inside. They haven’t calculated the amount for this yet. Some years the
expenses are minimal and other times their stone terraces collapse during the
winter and need heavy repairs. The most costly problem came a few years ago
when a mudslide from their lower bank covered the community road. This required
an excavator and the building of a stone wall at a cost of 8000 euro. If we put
their average maintenance at a conservative 570, that brings us to at least
3000 per year for three or four months of Italian living, not counting their
own time spent cleaning and painting. They point out, though, that if we bought
a home on flat ground, we would not have collapsing terraces, and the community
road fee is unusual because they live on a long private road.
By way of comparison, Lucy and I pay 40 euros a day, all
utilities and fees included, to live in the Casolare dei Fiori. For the last
three years, we have stayed an average of 72 days per year, with an annual cost
of 2880 per year, about the same as our friends pay. Our place is much smaller—only
one bedroom, a bathroom and another room that serves as a kitchen, dining room
and living room. We do have a television and free laundromat, which our friends
do not. Our yard is huge, but we do occasionally have to share it with other
guests.
I conclude that the information they have so kindly shared confirms
the financial wisdom of our decision to continue as we are. If we purchased a
house, we’d also have to factor in the interest we’d be paying on the loan, or the
interest we’d lose if we had that kind of money and invested it. One advantage
of having a home, though, is that it would make us more a part of the
community. Hiring contractors and asking for advice from neighbors has helped
Eberhard and Dorothea integrate into local society, which can be a slow process
for non-permanent apartment dwellers.
Eberhard tells me that at first they came to Italy for the
blue skies and beautiful vista, but within the last five to seven years, the
friends they have made is now the compelling reason for returning each year in
the spring and fall.
“The people are so welcoming and generous,” Dorothea says in
agreement. “The friends we have lure us back.”
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Update: I guess we are not so clever after all! About two years after this was written, we bought a two-bedroom house in Montecarlo. And pretty much every year, we've made repairs and improvements, so we are spending more than we did at the agriturismo. But it is OUR HOUSE, and now we come twice a year and have room for many visitors. We have no regrets.
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Update: I guess we are not so clever after all! About two years after this was written, we bought a two-bedroom house in Montecarlo. And pretty much every year, we've made repairs and improvements, so we are spending more than we did at the agriturismo. But it is OUR HOUSE, and now we come twice a year and have room for many visitors. We have no regrets.
That's the nice thing about dreaming, it costs nothing and is so enjoyable!
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