Students Living in Milan

Understand your contract.

Glossary

Here you can find a glossary of italian legal terms that you will most probably encounter in your housing path.

Are you lost in translation?

It refers to the person, group, or entity that rents or leases property.

It refers to the person, company, or entity that owns property and rents or leases it to others.

In Italy the price of the rent in the contract usually refers to the yearly price.

In Italy, the duration of a contract is usually fixed and depends on the type of contract: 6 months, 12 months, 18 months, 3 years + 2, or 4 + 4 years. The “+” indicates the possibility of renewing the contract for an additional period (e.g., 4 + 4: a four-year contract that can be renewed for another four years).

When searching for housing, it may not make much difference for the tenant to know in advance whether the rent is regulated or free-market. However, the effects are substantial and visible, as the regulated rent is significantly lower than the free-market rent. Free market contracts must follow the 4 years+4 years format. All other formats (students contract, 6, 12 or 18 months contract) are by law regulated rent.

REGULATED RENT (CANONE CONCORDATO): This is governed by an agreement between the organizations of property owners and tenants, approved at the local level and regulated by law. In this case, in exchange for a rent lower than the free-market rate, the property owner benefits from tax incentives, such as a reduction in registration fees and flat-rate tax (cedolare secca). The landlord must therefore adhere to a maximum and minimum rent, established by local agreements based on the property’s location and characteristics. You can check the agreements at Milano Abitare.

FREE MARKET RENT (CANONE LIBERO): This is freely determined between the landlord and tenant, without specific regulatory constraints. In free-market contracts, the landlord is not bound by minimum or maximum rent limits and does not benefit from the same tax incentives provided for regulated rent agreements, although they may be eligible for a controversial 21% flat-rate tax (cedolare secca). In university cities, the lack of tax benefits, the absence of regulation, and the saturated market often lead to the dominance of free-market rent. In these cases, there are no rules governing the determination of the rent.

Condominium expenses in Italy vary depending on the services provided by the building, such as hot water, elevators, stair cleaning, porter service, or centralized heating. These expenses are typically divided between the tenant and the landlord. The tenant is responsible for costs related to daily usage (e.g., elevator operation, heating, stair cleaning), while the landlord covers expenses for renovations and major structural interventions (e.g., repairing the elevator, redesigning the building facade). You can request a detailed breakdown of condominium expenses from your landlord.
ars + 2, or 4 + 4 years. The “+” indicates the possibility of renewing the contract for an additional period (e.g., 4 + 4: a four-year contract that can be renewed for another four years).

It refers to the process where a new tenant assumes the lease agreement from the previous tenant, taking over their rights and responsibilities under the same terms of the rental contract.

The TARI is the tax owed for the services of collection, transportation, and disposal or recovery of waste.

It is an annual tax and is always the responsibility of the tenant. To pay it, you must register on the municipality’s platform or ask the landlord to pay it in advance and then settle by requesting a receipt.

The ‘cedolare secca’ is an alternative taxation method for rental income, which can be chosen by the landlord under certain conditions. It consists of applying a fixed tax to the annual rent, replacing the standard income tax (IRPEF) and related surcharges, as well as the registration and stamp duties. Specifically, the rate is 10% (in the case of a rental agreement with an agreed-upon rent, subject to certification) or 21%, as set out in Article 3 of Legislative Decree No. 23 of March 14, 2011.

By choosing the cedolare secca, the landlord waives, for the duration of the option, the right to increase the rent for any reason (including the adjustment for inflation, based on the ISTAT index). This waiver must be communicated to the tenant by registered letter. A hand-delivered letter is not valid. If there are multiple tenants, the option must be communicated to each of them.

It is possible to choose the cedolare secca even if only a single room of the property is rented, but it should be noted that, if multiple portions of the same property are rented under different contracts, with a single rental income (for example, multiple rooms of the same house), all rental income must be taxed in the same way.

The ISTAT index for rent increases is an index used to annually adjust rental prices in Italy, based on inflation trends. It is calculated by ISTAT (the Italian National Institute of Statistics) and reflects the variation in consumer prices, excluding energy goods.

Frequently Asked Questions (F.A.Q.)

Is this legal...?

The ISTAT increase can be applied only to contracts with a duration of more than 12 months, starting from the year following the signing of the contract. To apply for the ISTAT increase, a registered letter (raccomandata con ricevuta di ritorno) must be sent to the tenants (not messages or emails).

In order to apply the ISTAT increase, the contract must not be under the flat-rate tax regime (‘cedolare secca’ in italian). The contract must specify whether the flat-rate tax regime or the ISTAT increase is applied. Typically, this increase is found in free-market long-term contracts (4years+4years format).
The increase is annual, not monthly, and the registered letter you receive should indicate the start date of the increase and the amount in euros for that year.

However, if the contract expires, the landlord is not legally binded to renovate it and he can decide to stipulate a new contract with a higher rental fee.

If you think you need legal assistance on this matter don’t hesitate to book a free appointment with our attorney.

There is no difference between short-term and long-term contracts in terms of tenants’ protections. In both cases, no one can enter your home without your consent, and no one can prevent you from registering your residence.

Additionally, both short-term and long-term contracts must be registered with the tax agency. What may sometimes differ is the duration of the notice period (which is typically shorter for short-term contracts).

Nowadays, many new ‘temporary agreements’ or ‘student agreements’ are not registered by the landlord with the tax agency, meaning they can be contested.

Tenant protection is enshrined in many old regulations, so today it is up to judges to interpret the law. Unfortunately, we can say that tenants are only fully protected if they sign a regulated rental agreement (‘contratto a canone concordato’ in italian). Otherwise, it becomes a private negotiation between individuals, where the weaker party, due to the scarcity of affordable housing on the market, is at a disadvantage.

The landlord has some fixed standard responsibilities only if he is renting an apartment through a regulated rental agreement (‘canone concordato’ in italian), which includes any form of contract that is not in the format 4 years+4 years (e.g., 12 months contract, 18 months contract, students contract). In free-market contracts (4 years+4 years), everything can be negotiated. Property is private, so if there are clauses that cannot be negotiated, unfortunately, the landlord can choose not to sign the contract.

In general, we can say that everything written in the contract is valid, unless there are clauses that contradict the law. So read very carefully your contract before signing!

If you think your landlord is not respecting his responsibilities or if you need assistance in reading your contract please don’t hesitate to book a free appointment with our attorney.

A written form of the lease agreement is always required for its validity. What happens if the relationship is not formalized? Or if a different agreement is formalized than the actual relationship between the landlord and the tenant? For example, if the rental amount on the contract is lower than the one that is actually being paid.

The law safeguards the tenant in cases of illegitimate contracts. If you report the problem you can have:

  • Annulment of any agreement aimed at determining a rental amount higher than that resulting from the written or registered contract;
  • Annulment of any agreement that grants the landlord a rent higher than that established by territorial agreements (limited to agreements with a “canone concordato” or agreed rent);
  • Obligation for the landlord (property owner) to register the lease within a mandatory period of thirty days, with subsequent notification to the tenant and condominium administrator of the registration;
  • Annulment of any clause that limits the legal duration of the contract;
  • Right of the tenant to request the return of sums paid unjustly;
  • Right of the tenant, in case of the lease and prior violations being established by the court, to pay only a rent that does not exceed the minimum amount determined by territorial agreements between tenants’ unions and property associations.

You can ask our attorney to help you write a legal document to report a problem. Book an appointment.

F.A.Q. Before signing a contract.

The tenant must provide:

  1. ID (or equivalent documents if they are a foreigner, such as a passport, codice fiscale, or permesso di soggiorno);
  2. financial proof of their ability to cover housing expenses (e.g., parents’ salary, bank savings). Please note that foreigners often face additional challenges in having financial guarantees accepted, especially if these are from overseas countries. The landlord might ask you to provide an italian bank guarantee (‘fideiussione bancaria’ in italian). Acceptance is unfortunately at the landlord’s discretion which might sometimes discriminate against the tenant on the basis of gender, ethnicity and nationality. If you feel you are being discriminated against for these reasons don’t hesitate to book a free appointment with our attorney to ask for legal advice.

The landlord must provide:

  1. the Energy Performance Certificate (EPC), in italian is APE (Attestazione di Prestazione Energetica);
  2. a document that indicates the apartment’s energy efficiency, which directly impacts your future utility bills;
  3. the registration of the contract with the Agenzia delle Entrate (Tax Agency).

Remember, you should always view and sign a contract before making any payments (deposit, first month’s rent). Landlords must provide you with a copy of the signed and validated contract.

There are two different types of rental agreement:

  1. REGULATED RENT (CANONE CONCORDATO): This is governed by an agreement between the organizations of property owners and tenants, approved at the local level and regulated by law.
    In exchange for providing a rent lower than the free-market rate, the property owner benefits from tax incentives, such as a reduction in registration fees and flat-rate tax (cedolare secca).
    The landlord must therefore adhere to a maximum and minimum rent, established by local agreements based on the property’s location and facilities. You can check the max prices per area at Milano Abitare.
  2. FREE MARKET RENT (CANONE LIBERO 4+4): This is freely determined between the landlord and tenant, without specific regulatory constraints. In free-market contracts, the landlord is not bound by minimum or maximum rent limits and does not benefit from the same tax incentives provided for regulated rent agreements. In university cities, the lack of tax benefits, the absence of regulation, and the saturated market often lead to the dominance of free-market rent. In these cases, there are no rules governing rent fee.
    Free market contracts must always follow the 4 years+4 years format. All other formats (students contract, 6, 12 or 18 months contract) must be regulated rent by law.

When searching for housing, it may not make much difference for the tenant to know in advance whether the rent is regulated or free-market. However, the effects are substantial and visible, as the regulated rent is significantly lower than the free-market rent.

The deposit serves to protect the landlord against any damage to the property. Its amount varies from case to case.

Italian law stipulates that the security deposit cannot exceed an amount equivalent to three months’ rent. The deposit must be held by the landlord for the entire duration of the contract to ensure its availability when returned. At the end of the lease agreement, the security deposit must be returned to the tenant. The amount paid as a deposit earns interest at the legal rate.

To avoid issues, the deposit amount and conditions must be clearly stated in the contract, and you should keep the receipt of payment.

You can draft and sign together with the landlor a rental inspection report (verbale di presa in locazione in italian) to prevent the landlord from unjustifiably withholding the deposit (see below).

You can draft and sign together a rental inspection report (verbale di presa in locazione).

The rental inspection report is drafted at the beginning of the rental period and serves to record the actual condition of the property at the time the keys are handed over to the tenant. It should include a detailed description of the property’s condition, including any dents, scratches, or other damages, as well as an inventory of the furnishings and equipment.

Its importance lies in providing both parties (landlord and tenant) with a shared and objective reference point on how the property was delivered. This is essential to prevent disputes at the end of the rental contract.

If damages not mentioned in the rental inspection report are found when the property is returned, the landlord may request compensation and withhold (either through mutual agreement or by initiating legal proceedings) part of the security deposit to cover repair costs.

Similarly, the tenant can use the report to show that any damages were already present at the start of the contract, protecting themselves from unjustified claims.

To be legally binding, contracts must be registered with the Agenzia delle Entrate (Italian Tax Agency).

After signing the contract, you must receive a copy of the signed agreement and a receipt for its registration with the tax agency. The registration looks like this. Typically, the registration costs are split equally between the landlord and the tenant(s). The cost may vary depending on the type and length of the contract.

If your landlord refuses to register the contract you can first send him a formal request through a registered letter (raccomandata) and then register it yourself by appointing an authorized intermediary (professionals, trade associations, Caf, etc.) or a delegate.

If you need help registering your contract book an appointment with our attorney or send us an email.

F.A.Q. When a problem occurs.

You may be at risk of eviction. It’s important to notify your landlord as soon as possible to work out a solution with them, such as postponed payments.

If you need help please don’t hesitate to book an appointment with our attorney.

Promptly inform the landlord and ask if they can resolve the issue. In most cases, you are not required to cover the cost of such repairs yourself, as infrastructural problems are typically caused by aging appliances or buildings. The landlord is responsible for all structural repairs, as well as those related to the electrical system and plumbing (e.g., boiler, radiators, air conditioners, plumbing, intercom systems, floors, and windows). The replacement of old appliances is also the landlord’s responsibility. If the damage is severe (e.g., heating) and the landlord refuses to cover the costs, the contract can be terminated without paying the notice period. The tenant is only responsible for ordinary repairs and maintenance (e.g., boiler maintenance, bleed the radiators).

The allocation of these expenses can vary, especially in free-market agreements, so it’s essential to read the contract carefully. If you feel the landlord is taking advantage of you and the issue becomes contentious, consider seeking assistance through our free legal desk service.

Personalizing your room is always allowed (e.g., painting the walls, and hanging items). However, when your contract ends, you are required to restore everything to its original state unless you have agreed otherwise with the landlord. It’s important to check the contract specificities.

Yes. If you are told otherwise, contact a tenants’ union or our free legal assistance service.

For PoliMi DSU Scholarship students: check the requirements of your scholarship. If you move your residency to Milan, the DSU office may change your scholarship status from ‘offsite student’ to ‘commuting student.’

F.A.Q. Before leaving the apartment.

Yes, you always can. Typically, the contract specifies a notice period of several months, usually three to six, although it can be shorter if agreed upon. If you require a shorter notice period, you can discuss this with the landlord when drafting the contract.

After informing them, you must send a registered letter with acknowledgement of receipt (raccomandata con ricevuta di ritorno) to your landlord, informing them of your intention to leave before the contract expires.

If you need to send a registered letter and you don’t know how to do it please contact us or book an appointment with our attorney.

Different universities have different rules regarding DSU (Diritto allo Studio) funding requirements.

In some universities (such as PoliMi), to be eligible for an offsite DSU scholarship, you need to provide a registered rental agreement with a duration of at least 6 months (as of 2024). If you want to change apartments, you must inform the DSU office and specify the reason.

Before terminating the previous contract, make sure that the one for the new apartment is properly registered with the tax agency.

If the contract isn’t registered, or if you fail to inform the DSU office, you may risk losing your scholarship or part of the amount.

Checklist

Contract Checklist

  1. Check whether it is a free-market rental agreement or a regulated rent agreement.
  2. If it is a regulated rental agreement:
    • verify whether it is a transitional contract (up to 18 months), a student rental contract, or a room rental contract.
    • check the rent price. You can use the tools provided by Milano Abitare.
    • ensure that the union has certified the agreement (e.g., SUNIA – Sindacato Unitario Nazionale Inquilini ed Assegnatari).
  3. Verify the price of condominium expenses and how they are divided between the tenant and landlord and what they include (heating, hot water, stair cleaning, elevator maintenance, etc.).
  4. Check whether the property’s energy certification (‘Attestazione di Prestazione Energetica’ in italian) is provided. This will help you in understand the utility costs. You can ask the landlord to show you the latest bill and check the energy class of the property and appliances.
    • In some cases, the landlord may propose a fixed monthly rate for utilities. If this seems too high compared to the average costs, ensure in the contract specifies that an adjustment of costs (‘conguaglio delle spese’ in italian) will be made at the end of each year to verify the exact amount.
  5. Check if any penalties are stipulated and under what conditions they apply (e.g., tear of furniture or other issues).
  6. Verify whether you are required to repaint the property upon leaving. If so, check the current condition of the property.

 

Here you can find the FAC SIMILE of three types of regulated housing contracts (canone concordato):

  • A 3+2 contract [IT] [ENG]
  • A student’s contract, when the tenant(s) can prove their enrollment in a university in a municipality different from the one in which they reside. [IT] [ENG]
  • A transitory contract, which is usually provided for workers with a fixed term contract or if the landlord can prove the lodgment will be only temporarily available [IT] [ENG]

Rental inspection report.

Before entering the apartment the tenant and the landlord should sign a rental inspection report (verbale di presa in locazione in italian): a detailed list of the conditions of the property and appliances (with pictures). This is essential to prevent unjustified deposit withholding.

Irregularities

Common 'malpractices'

The payment of condominium expenses (accessory charges) is usually made through periodic advance payments, to be paid together with the rent as specified in the contract. This is a prepayment based on estimated expenses at the beginning of the year. Since these are provisional estimates, at the end of the year the landlord must provide the tenant with a final accounting of the actual expenses incurred. The landlord may then request payment of any outstanding balance or refund any excess amount collected.

In some cases, condominium expenses are artificially inflated by the landlord, who demands a flat-rate amount without providing accounts or supporting documentation. This practice circumvents the limits imposed on both regulated and free-market rental agreements, as outlined in Articles 9 and 10 of Law 392/1978. This allows the landlord to illegitimately collect a higher sum. Essentially, part of the rent is “disguised” as condominium expenses, enabling the landlord to receive more money while formally keeping the rental price (regulated or free-market) lower and benefiting from undeserved tax advantages. This is achieved by misreporting amounts collected as condominium expenses.

This is not only ethically questionable but also constitutes a form of tax evasion and a violation of the law, punishable under Article 13 of Law 431/1998. Tenants should always exercise their right to request details and justifications for expenses. As established by the Equo Canone Law and the contract templates annexed to Ministerial Decree of January 16, 2017, tenants are entitled to receive a specific breakdown of shared expenses and the criteria used for their allocation. Additionally, they have the right to review the supporting documents for the expenses incurred.

The security deposit is a sum of money paid by the student tenant to the landlord at the beginning of the lease agreement. It serves as security for the landlord against possible damage to the property, unpaid rent, or other contractual breaches.
It is not a payment, but a guarantee that must be returned at the end of the contract. The landlord is still required to declare the security deposit for tax purposes. For the landlord, the deposited amount is not considered taxable income unless it is appropriated at the end of the lease.
Italian law stipulates that the security deposit cannot exceed an amount equivalent to three months’ rent. The deposit must be held by the landlord for the entire duration of the contract to ensure its availability when returned. In fact, at the end of the lease agreement, the security deposit must be returned to the tenant. The amount paid as a deposit earns interest at the legal rate.

At the end of the lease relationship, there are four possible scenarios:

  1. The landlord fulfills their obligation and returns the security deposit. It is always preferable for both the landlord and tenant to conclude their relationship with a return report, in which they specify and acknowledge the good condition of the rented property.
  2. The landlord and tenant reach a written agreement, either out of court or during a mediation or reconciliation, regarding damages or other contractual breaches, allowing the landlord to retain all or part of the security deposit as compensation.
  3. The landlord claims a contractual breach, but no agreement can be reached. The landlord has the right to temporarily withhold the deposit, provided they immediately file a legal claim to determine the damages caused by the tenant or any unpaid rent.
  4. The landlord claims a contractual breach, but not only is no agreement reached, the landlord decides to arbitrarily and unilaterally withhold the security deposit without filing a legal claim. This behavior is unlawful and represents one of the most common forms of abuse by landlords. In this case, the tenant can request the return of the security deposit by applying for an injunction, a faster and simpler procedure than the ordinary legal process.

Sometimes, landlords make students sign contracts that should be at a regulated fee (e.g., transitional contracts, contracts for students, or contracts with a duration of less than 4 years) at free market prices. Only contracts that have a duration of 4 + 4 years can be rented at free market prices. You can check the agreed rent prices by area on the Milano Abitare website. Unfortunately, the site is only available in Italian, but you can use an automatic translator to navigate the tools.

Another issue concerns the discrimination applied by landlords on the basis of nationality, ethnicity, religion or gender. In particular, foreign students coming from countries of the Global South often encounter discrimination in the rental market. The landlord might ask for excessive documentation (like ‘fideiussione’ or italian bank certification) to discourage the student from renting the apartment or simply give priority to national students. Unfortunately, the legal situation is unclear and differs from one case to another. Regardless of differing opinions, landlords cannot explicitly convey discriminatory messages when advertising a property (e.g., “renting only to females”, “renting only to Italians”).

It’s a common practice in a lease takeover—the process where a new tenant assumes the lease agreement from the previous tenant, taking over their rights and responsibilities under the same terms of the rental contract—for the new tenant to send the deposit directly to the previous tenant instead of the landlord. This typically occurs in shared apartments where the lease is for the entire apartment rather than individual rooms. Tenants sign the contract together and split the deposit, but one of them may need to move out before the end of the lease term. In such cases, the lease takeover is the best solution to avoid canceling the agreement and signing a new contract.

In any case, the landlord should return part of the deposit to the previous tenant and request your portion of the deposit, confirming receipt of your payment and stating that the same terms outlined in the original contract still apply.

Malpractices are practices in an asymmetric housing market that lead to contractual disadvantages for tenants.

Some are illegal (e.g., ‘off-the-books’ rentals), while others 
are simply unfair or unjustified.

These practices can involve financial aspects but may also include more subtle dynamics, such as excessive intrusion by the landlord into the tenants’ personal lives and household management.