Friday, October 30
We met with our notiao,
geometra, real estate agents, our friend Angelika and the sellers
today in Montecatini. We all signed the atto di compravendita
during the final ceremony of house-buying in Italy. We have bought
and sold houses and property in the United States, and we were
interested to see the similarities and differences in the Italian
procedures. Our experience here, however, may not be completely
typical, because of some peculiarities in the behavior of our notaio,
whom I had chosen on the recommendation of cousin Simone with the
suggestion that this notaio’s fees would be reasonable.
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Lucy signs for our house under the vigilant direction of our notaio, Signor Simone Monaco. Meanwhile the geometras are discussing whatever it is geometras talk about. |
Lucy and I arrived for our
3 p.m. meeting a few minutes early and were the first to file into
the waiting room. Within minutes everyone else had arrived as
well – except for our notaio, Signor Simone Monacò.
His secretary came in an informed us that he was out of the office
and would return at 4 p.m. Perhaps something important had called him
away, but this was only one incident in a series of strange behaviors
on his part.
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Happy buyers, sellers and real estate agent. |
We had met with him twice
before, once in March to discuss his fees and ask him about how the
sale would proceed, and then in April to sign the preliminary real
estate contract. A short, balding, neatly dressed and scholarly looking man, Sr.
Monacò seemed to know his
business well enough. His interpersonal skills left something to be
desired: He had a weak handshake, did not make frequent eye contact
and did not seem particularly welcoming or friendly, but perhaps
those skills are not so important for a notaio. We did have some
difficulty determining what his fee would be, as he quoted us
estimated costs for the entire project, which included all government
filing fees and taxes. I had to ask him to break out his fee from the
other expenses, and it came out to something less than a thousand
euro. Of course, it would depend on how many meetings we had and
their length, but this seemed reasonable at the time, and we knew we
didn’t have the time, experience or language skills to interview
other notaios, so we hired him.
Our next meeting with him
went well enough, and we had Angelika and a bilingual real estate
broker along to translate. Most of the discussion took place between
Fulvio – our geometra – and Sr. Monacò
about technical details that should be included in the contract.
The second scheduled
meeting, however, was somewhat of a disaster, although we didn’t
find out the full extent of it until today. Since we had to wait an
hour for the notaio to come, we had plenty of time to socialize, and
it was during some spare moments that Angelika filled us in. The
meeting had been in July, and since we were in Gig Harbor and busy
with our summer business then, we had given Angelika power of
attorney and also authorized her to draw checks from our bank
account.
She had gone to the
meeting with four cashiers’ checks, one for each of the shared
owners of the house. However, she did not have any extra blank
checks, and after everyone gathered for the meeting, Sr. Monacò
asked Angelika to write a check that would cover his fee and the
government filing fees. When told she didn’t have another check,
Sr. Monacò abruptly
canceled the meeting, sending home the eight people who had gathered
for the document signing.
“He has 20 days to file
the documents,” Angelika said. “I could have brought him a check
the next day. I asked Fulvio about it, and he said he had seen it
happen before that people forgot to bring a check for the notaio, but
they were always able to continue with the meeting and bring the
check in later.”
Angelika had told me this in an e-mail, but the severity of the inconvenience had not hit me until now. Did Sr. Monacò
think we were going to bring in checks worth 76,000 euro for the
sellers and then not go through with the sale, forfeiting that money
just so we could stiff him for his fees? That would be inconceivable.
Maybe he had not prepared the documents needed for the meeting and
welcomed an excuse to postpone. We’ll never know why, but Angelika also vented a little more in an e-mail after the second meeting had actually taken place: “I sent him a lot of e-mails, called and
left messages asking what to bring, but they never responded. He
asked for documents today that Fulvio and the real estate agency had
sent him weeks ago. He had not read anything before we arrived. Good
luck that Fulvio is really good; otherwise it would be a big
problem.”
Well, now we were facing
the final meeting, and nothing could be done about our choice of
notaio. We used some of the waiting time to get to know the sellers,
and that went very well. They consisted of three brothers and a
sister who were about our age, all of them very friendly and
accommodating. They had not been born in the house, but they had
moved there in their teen years. When they became adults, they all
moved to nearby neighborhoods. We thanked them for having left the
house with so much furniture and supplies and in such a tidy
condition.
We moved to the conference
room at about 3:30 p.m. and took some photos. Sr. Monacò
entered a few minutes before 4 p.m., but he greeted no-one and made
no announcements or apologies for his tardiness. He spent the first
10 minutes silently looking at his computer and his file folders and
reading various documents while the rest of us continued to converse.
Then, still without any preliminary words, he began reading the act
of sale out loud, very quickly. I had heard that Italian law required
that the document be recited, so I was not surprised by that, but I
had expected a little more formality and some explanation of what was
taking place. A couple of times during the recitation, he had brief
discussions with Fulvio and the sellers’ notaio, and he made a few
notes on his papers and changed the wording on his computer. It took
about 20 minutes to read the act, and then he got up and left the
room without a word. He returned promptly, though, with a freshly
printed copy of the document, which we were then given to sign.
Another strange moment
came when it was time to pay. Angelika and I went into Sr. Monacò’s
office. He took out his calculator, pushed some buttons and showed me
the figure: 2,600 euro, I wrote out a check and we went back to the
conference room. I realized as I sat down that I had received no
invoice or any kind of itemization breaking out the fees and taxes –
nor had Angelika received anything when she paid in July. It seemed
an incongruity that in a country where the shopkeepers insist on
giving a receipt for a gelato that cost 2 euros, my notaio offered no
proof of payment besides my canceled check.
After everyone finished
signing the atto di compravendita, Sr. Monacò
announced that we were done. I had expected more documents to sign
and more explanations, based on closing ceremonies I have experienced
in the States. However, I realized that this was the third of three
meetings; any potential issues had already been resolved before, and
there were no issues of a mortgage to discuss. But wait, I still
had the checks for the sellers, and they still had the keys for the
house. Apparently that exchange wasn’t part of the notaio’s
responsibilities, so I just reached across the table and handed each
seller his check and one of them gave us a bag with three sets of
keys.
During the times that we
had been waiting for Sr. Monaco, the sellers and real estate agent
had prepared a list of people to contact if we had problems with
plumbing, electricity or heating, and they gave us a packet of
documents on the appliances and utilities. Angelika said she would
help us next Monday to get all the utilities transferred into our
names. All that remained was for everyone to shake hands, and then we
walked out with our keys. Despite the eccentricities of our notaio,
we had such positive feelings for the sellers, Angelika and our
geometra and real estate agents that we left the meeting very
satisfied.
Lucy and I celebrated by
splitting a full course meal at our favorite restaurant, La Trattoria
di Montecarlo, which is just a couple of hundred meters from our new
home. Afterward we went to the house and started the process of
carrying our belongings up from our closet on the piano terra
(ground floor) to the piano secondo (second floor,
which in America would be called the third floor). We only took a few
loads up, because it was getting late. We would spend that night in
the Casolare dei Fiori, as planned previously, to give us more time
to set up the new house before sleeping and eating there.
Emotionally, we were not
particularly giddy. We have had so many months to digest the idea
that we would be becoming true Montecarlesi. However, we have not had
even one second of buyer’s remorse. For the past six years, we had
looked at houses and considered the idea of buying one here, and this
home has everything we wanted and more – it is even about 90
percent furnished. So even if we don’t seem outwardly thrilled, we
are happy – make that deeply contented – to be here. We will take
the next couple of weeks to unpack, decide what improvements we
should make and just enjoy our new surroundings. The Seghieri family
(my grandmother was Anita Seghieri) has roots in Montecarlo that date
from at least the 1200s, and the Spadoni family came from a nearby
town (which can be seen from Montecarlo). So when I say that I’m
going to my home in Italy, it now has double the significance.