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I would ask for a floor plan before refining anything. It answers several points at once: usable area, room sizes, circulation, stairs, light distribution and whether outdoor space is integrated with the living areas.

The result may reverse simply by changing the assumed exit from year 20 to year five or ten. That is why I would not make total interest across the entire fixed span the deciding figure. For example, a large initial fee may look modest when spread across two decades but expensive if you repay...

The district within Milan is also essential to judging the asking price. Beyond that, is there dedicated parking, and are there any shared access arrangements or service charges despite it being detached? Title documents should confirm that the physical layout and recorded floor area match.

I’m not convinced the 32 days proves buyers became more selective. Well-presented homes are usually easier to assess, whereas work-heavy properties create uncertainty about cost and disruption. That distinction can become more visible when inventory changes without representing a new trend...

If you need to settle on an offer soon, do not let the 43-day marketing period choose the number for you. It creates some negotiating context, but it says little about whether this seller is under pressure or content to wait. A lower figure may still be attractive if your funding is documented...

How much cash would remain after the deposit, moving costs and first mortgage payment? That changes the risk calculation. If the purchase would nearly empty your emergency fund, even a modest inspection finding or insurance excess could hurt. Furniture can wait; urgent repairs cannot. I’d decide...