Como Short-Term Rental Regulation: A Guide For Airbnb Hosts

What are Short-Term Rental (Airbnb, VRBO) Regulations in Como, Italy?

Short-term rentals have become increasingly popular in the picturesque Lake Como region of Italy. However, before starting an Airbnb or VRBO business in Como, it's crucial to understand the local regulations and requirements. This article will provide an overview of the short-term rental regulations in Como, Italy, with specific examples and anecdotes from various sources.

Starting a Short-Term Rental Business in Como

To offer a short-term rental in Como, you must adhere to both national and local regulations. At the national level, hosts must:

• Visit the local police headquarters and request access to the Allogiati Web portal.
• Prepare a written contract for guests to sign at check-in.
• Submit images of guests' passports or national identification to Allogiati Web.

Additionally, short-term rental contracts for less than 30 days do not need to be registered with the Italian Revenue Agency (Agenzia Delle Entrate). However, a written contract between the host and guest is still required.

In terms of taxation, hosts operating as non-professional individuals can opt for the Cedolare Secca tax regime, which applies a preferential fixed rate of 21% exclusively to income generated by short-term rentals. This regime does not allow for the deduction of expenses.

Short-Term Rental Licensing Requirement in Como

Hosts must obtain permission from the local town council to operate a short-term rental in Como and acquire a CIR (codice identificativo di riferimento) code. This alphanumeric code serves as a license and must be displayed on all listings and advertisements for the short-term rental property.

The process of obtaining a CIR code involves submitting a SCIA (notice of commencement of business activities) through the Impresa in un Giorno website. This step is required for all short-term rental hosts in the Lombardy region, regardless of whether they operate as a business.

Once the SCIA is submitted, hosts must request permission from the Como town council to offer a short-term rental. The council will then verify the request through the Turismo5 online portal, and upon approval, the host will receive their unique CIR code.

Failure to comply with these licensing requirements can result in significant fines. As of 2024, hosts who rent out more than four properties without a SCIA declaration may face penalties ranging from €2,000 to €10,000.

It is crucial for short-term rental hosts in Como to familiarize themselves with these local regulations and ensure they have obtained the necessary permissions and licenses before listing their properties on platforms like Airbnb or VRBO. Hosts can avoid potential legal issues by adhering to these requirements and successfully operate their short-term rentals in the beautiful Lake Como region.

Required Documents for Como Short-Term Rentals

When renting out a property for short-term stays in Como, Italy, hosts must ensure they have the necessary documents in order to comply with local regulations. The following documents are typically required:

1. SCIA (Segnalazione Certificata di Inizio Attività): This is a certified notification of the commencement of business activities, which must be submitted through the Impresa in un Giorno website before listing the property for short-term rental.
2. CIR (Codice Identificativo di Riferimento) Code: Hosts must request permission from the Como town council to offer a short-term rental and verify this through the Turismo5 online portal. Upon approval, the host will receive a unique alphanumeric CIR code, which must be displayed on all listings and advertisements for the property.
3. Written Rental Contract: Although not required for stays under 30 days, it is highly recommended that hosts prepare a written short-term rental contract for guests to sign upon arrival. This contract should include details such as the names of the tenant and landlord, property information, purpose of the contract, obligations of both parties, duration of the stay, rental amount, and any additional charges.
4. Guest Identification: Hosts are legally required to collect and submit their guests' identifying information, including an image of their passport or national identification, to the state police's Alloggiati Web portal within 24 hours of check-in. Hosts must first visit their local police headquarters to gain access to this online portal.
5. Insurance Policy (optional): While not mandatory, it is advisable for hosts to obtain an insurance policy that covers potential damages to the property caused by guests during their stay.

By ensuring they have these required documents in order, short-term rental hosts in Como can operate their businesses in compliance with local regulations and avoid potential fines or legal issues. It is crucial for hosts to stay informed about any changes or updates to these requirements to maintain a successful and legally sound short-term rental operation in the beautiful Lake Como region.

Como Short-Term Rental Taxes

When operating a short-term rental in Como, it's essential to understand the tax obligations that come with this type of business. The Italian tax system has specific provisions for short-term rentals, and compliance is crucial to avoid penalties and legal issues.

One of the most important taxes for short-term rental hosts in Como is the "Cedolare Secca" or flat tax. This tax regime allows hosts to pay a flat rate of 21% on their rental income rather than the progressive income tax rates. To qualify for the Cedolare Secca, hosts must be renting out residential properties and cannot offer additional services beyond those typically associated with a rental, such as cleaning and linen supply.

It's important to note that the Cedolare Secca has some limitations. As of 2024, the 21% flat tax rate only applies to the first property a host rents out. For any additional properties, up to a maximum of four, the tax rate increases to 26%. If a host rents out more than four properties, they must register as a business and obtain a VAT number.

In addition to the Cedolare Secca, short-term rental hosts in Como may be subject to other taxes and fees. These can include the tourist tax, which is collected by the host and remitted to the local authorities. The tourist tax in Como is typically a few euros per person per night, and the exact amount can vary depending on the type of accommodation and the time of year.

Hosts in Como must also be aware of their obligations regarding guest identification and reporting. Italian law requires hosts to collect and submit their guests' identifying information, including a copy of their passport or national ID, to the police within 24 hours of check-in. Failure to comply with these reporting requirements can result in significant fines.

To ensure full compliance with all tax and legal requirements, short-term rental hosts in Como are advised to consult with a local tax professional or attorney who specializes in this area. Hosts can operate their rentals successfully and avoid potential pitfalls in this growing market by staying informed and adhering to the regulations.

Italy Wide Short-Term Rental Rules

In addition to the local regulations in Como, there are several nationwide rules that apply to short-term rentals throughout Italy. These rules have been introduced to better regulate the growing short-term rental market and ensure compliance with tax obligations.

One of the most significant changes is the introduction of the National Identification Code (CIN) in 2024. The Italian Ministry of Tourism will automatically assign this alphanumeric code to each property rented out for tourist purposes. Hosts will be required to display the CIN at the entrance of the property and include it in all advertisements. Failure to comply with this requirement can result in fines ranging from €500 to €5,000.

Another important aspect of the nationwide regulations is the flat tax rate, known as the "cedolare secca." As of 2024, the flat tax rate for short-term rental income has increased from 21% to 26% for hosts who rent out more than one property. However, hosts who rent out only one property can still benefit from the reduced rate of 21%. It is important to note that the flat tax regime only applies to hosts not operating as a business. Those who rent out more than four properties are considered to be operating in an entrepreneurial manner and are subject to different tax regulations.

Furthermore, short-term rental contracts in Italy must adhere to certain requirements. The rental period cannot exceed 30 days, and the contract must be between natural persons, outside of any business activity. Hosts are permitted to provide linen supply and cleaning services, but additional services such as meals, room service, or tourist guide services are not allowed without registering as an accommodation facility.

Lastly, hosts in Italy are required to collect and submit their guests' identifying information, including a copy of their passport or national ID, to the police within 24 hours of check-in. This requirement applies to all short-term rental hosts, regardless of the platform they use or the number of properties they manage.

By understanding and complying with these nationwide regulations, short-term rental hosts in Italy can operate their businesses successfully while avoiding potential fines and legal issues. It is crucial for hosts to stay informed about any updates or changes to these rules to ensure ongoing compliance in this dynamic market.

Does Como Strictly Enforce STR Rules?

Based on discussions in real estate investing forums like BiggerPockets and Reddit, it appears that Como is relatively Airbnb-friendly compared to some other Italian cities, despite having short-term rental regulations in place. Many hosts seem to operate vacation rentals in the Lake Como area successfully.

One BiggerPockets user expressed interest in purchasing rental properties in Northern Italy, specifically mentioning Como as a potential location. This suggests that Como is seen as a viable market for short-term rentals among real estate investors.

In a Reddit thread about Airbnb experiences in Lake Como, a user shared their positive experience booking a wine tasting through the platform, indicating that Airbnb Experiences are also operating in the area.

While Como does have short-term rental regulations, such as requiring hosts to obtain a CIR code and submit guest information to the police, enforcement seems to be less strict compared to cities like Milan or Rome. The high number of active Airbnb listings in Como implies that many hosts are able to operate despite these rules.

Overall, based on anecdotal evidence from real estate investing forums, Como appears to be relatively Airbnb-friendly. The city's popularity as a tourist destination likely contributes to a thriving short-term rental market, even with regulations in place. Hosts seem able to navigate the requirements and successfully operate vacation rentals in the Lake Como area.

How to Start a Short-Term Rental Business in Como

Starting a short-term rental business in Como, Italy, can be a lucrative venture, given the area's popularity among tourists. Here's a step-by-step guide to help you get started:

1. Research local regulations: Familiarize yourself with Como's short-term rental regulations, such as the requirement to obtain a CIR (Codice Identificativo di Riferimento) code and submit a SCIA (Segnalazione Certificata di Inizio Attività) to the local authorities.
2. Choose the right property: Select a property that meets your investment goals and is suitable for short-term rentals. Consider factors like location, size, amenities, and potential rental income.
3. Register your property: Visit the local police headquarters to gain access to the Alloggiati Web portal, where you'll need to register your guests' information within 24 hours of their arrival.
4. Obtain necessary permits: Apply for a CIR code by submitting a SCIA through the Impresa in un Giorno website. This code must be displayed on all listings and advertisements for your rental property.
5. Set up your business: Decide on a business structure (e.g., sole proprietorship or limited liability company) and register your business with the appropriate authorities.
6. Prepare your property:Furnish and equip your rental property to meet the needs of your target guests. Consider investing in quality furniture, appliances, and amenities to make your property stand out.
7. Create a pricing strategy: Research the local market to determine competitive rates for your rental property. Consider factors like seasonality, demand, and operating costs when setting your prices.
8. List your property:Create listings for your rental property on popular short-term rental platforms like Airbnb and VRBO. Be sure to include high-quality photos, detailed descriptions, and accurate information about your property and its amenities.
9. Manage your bookings: Establish a system for managing bookings, communicating with guests, and coordinating check-ins and check-outs. Consider using a property management software or hiring a professional property manager to streamline these processes.
10. Comply with tax obligations: Understand your tax obligations as a short-term rental operator in Como. This may include registering for and collecting the tourist tax, as well as reporting your rental income and paying the appropriate taxes.

Following these steps and staying informed about local regulations and best practices, you can successfully launch and operate a short-term rental business in Como, Italy.

Who to Contact in Como about Short-Term Rental Regulations and Zoning?

If you have questions or need assistance regarding short-term rental regulations and zoning in Como, there are several resources available to help you:

1. Como Municipal Office (Comune di Como)

Address: Via Vittorio Emanuele II, 97, 22100 Como CO, Italy
Phone: +39 031 252 111
Email: urp@comune.como.it
Website: www.comune.como.it

2. Lake Como Properties

Phone: +39 348 410 8544
Email: info@lakecomoproperties.com
Website: www.lakecomoproperties.com

These offices and agencies can provide you with the most up-to-date information on short-term rental regulations, zoning laws, and any required permits or licenses. They can also assist you with the process of registering your property and complying with local laws.

Working closely with local authorities and experienced property management companies is essential to ensure that your short-term rental business operates smoothly and legally in the beautiful Lake Como region.

What Do Airbnb Hosts in Como on Reddit and Bigger Pockets Think about Local Regulations?

Based on discussions in real estate investing forums like BiggerPockets and Reddit, Airbnb hosts in Como have mixed opinions about local short-term rental regulations:

BiggerPockets Forum: One user expressed interest in purchasing rental properties in Northern Italy, specifically mentioning Como as a potential location. They sought advice on the "Do's and Don'ts" of investing in the area, indicating a desire to navigate local regulations successfully.

Reddit - r/CozyPlaces: In a post showcasing a picturesque Airbnb in Lake Como, several users expressed their love for the area and inquired about the specific location and rental details. This suggests that despite regulations, travelers' demand for short-term rentals in Como remains high.

Reddit - r/AirBnB: A discussion about tourist taxes in Venice highlighted the importance of hosts disclosing all fees upfront to avoid guest disputes. While not directly related to Como, this conversation emphasizes the need for hosts to be transparent about local taxes and regulations.

Reddit - r/ItalyTravel: Multiple threads on this subreddit discuss the requirement for Italian Airbnb hosts to collect guest passport information and register them with local authorities. While some hosts find this process cumbersome, others acknowledge it as a necessary legal obligation.

Overall, Airbnb hosts in Como and the surrounding areas seem to be aware of local regulations and are working to comply with them. However, a general consensus is that navigating the bureaucratic processes can be challenging, especially for foreign investors. Despite these hurdles, the popularity of Lake Como as a tourist destination continues to drive demand for short-term rentals, making it an attractive market for hosts who are willing to put in the effort to understand and adhere to local regulations.

Disclaimer: While we here at BNBCalc strive to keep all of our city regulation guides updated and accurate with all the latest local laws, we still do not suggest using them as your sole or primary source for local regulations. We also do not recommend you rely on the third-party sources we link to or reference, and we are not responsible for any of the information on these third-party sites. These guides are for entertainment purposes only and only provide basic information and should not be considered as legal advice.

We highly recommend directly contacting the responsible parties for each city and hearing what their officials have to say. Ultimately, it's your responsibility as an investor to ensure you fully comply with the local laws, and it's best to speak with professionals before making an investment decision.