New developmentPalazzo Dreher · 5 residences

City Centre

Palazzo Dreher — Unit 14 · 267 sqm · Fourth Floor

Piazza della Borsa, City Centre, Trieste

€1,350,000 + VAT

Apartment · 267 m² · 3 bedrooms · 2 bathrooms · 4th floor19 photos

Mortgage€4,266 a monthexample: 70% over 30 years · TAN 3.54% · APRC 3.67%Calculate

Piazza della Borsa, City Centre, Trieste

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Property features

Type: Apartment
Surface: 267 m²
Rooms: 5
Bedrooms: 3
Bathrooms: 2
Floor: 4

Energy class: EPC issued on completion of works
Condition: New / Under construction
Kitchen: Open-plan
Balcony: Yes
Garden: None
Building floors: 7
Lift: Yes
Heating: Centralised

Description

Five rooms across 267 m² gross make Unit 14 the largest apartment on the fourth floor of Palazzo Dreher. The building — an eclectic residence from the close of the nineteenth century, named after the Dreher brewing family and set in the monumental centre of Trieste — is under complete renovation.

Entry is through a generous hall that distributes the plan. The living area runs beyond 80 m² and comes with its own laundry room. The sleeping quarters take three rooms: two double bedrooms and a third that works as a study or child's room, with two full bathrooms serving them. A balcony rounds out the layout.

All the systems are new — underfloor heating, ducted cooling, high-efficiency heat pumps — and the seven-storey building has a lift. The specification brings Italgraniti, Florim and Cerdomus stoneware, Parador oak parquet, Treemme fittings and Ceramica Cielo sanitaryware, with a modern or classic interior to choose from.

This is a new-build sale from the developer, turnkey, at € 1,350,000 plus VAT, with first-home tax relief where applicable. Like the rest of the building, it comes with no parking unit: the setting is the fully pedestrian historic centre. Completion is expected by the end of 2027. The unit belongs to the TriesteVillas Private Collection.

For each unit we keep “real” 3D tours that record the site as it stands.

Indicative taxes & costs

Purchase costs (one-off)

First-home taxes: ≈ €54,795
TriesteVillas fee: ≈ €54,000+ VAT
Notary: ≈ €4,300-8,500estimate, incl. VAT and costs
Indicative all-in purchase cost: ≈ €1,475,000 – €1,479,200

An indicative estimate: we work out the exact figures together, line by line.

Annual running costs

Waste tax · TARI: Occupants2≈ €374/yr

Annual costs are indicative estimates calculated with a formula from the cadastral data and the municipal rates, and do not replace an official check.

A mortgage for this home

€4,266a month

for a €945,000 mortgage (70% of the price) over 30 years: 360 monthly payments at a fixed rate

TAN: 3.54%; nominal annual rate
APRC (TAEG): 3.67%; total annual cost, fees included

A first estimate, made with the help of AI from official data: it is not a mortgage offer. The amount, rate and terms are decided by the bank after its own assessment.

TAN from the average of fixed-rate (over 10 years) mortgages signed in Italy in August 2026 (provisional): ECB, Bank of Italy data.

The guide: mortgages in Italy for non-residents

Italian banks usually lend non-residents 50-60% of the value: “I live abroad” redoes the maths.

How we do the maths

The rate

It is the average rate of fixed-rate (over 10 years) home loans signed in Italy in the month, collected from banks by the Bank of Italy and published by the ECB about five weeks later (harmonised MIR statistics). The TriesteVillas CRM downloads it every night: when a new month comes out, the figure here updates by itself. Fixed-rate loans use contracts fixed for the same term (up to 5 years, 5 to 10, over 10); variable-rate loans use variable-rate contracts. The published figure is a compound annual rate without fees: for the monthly payment it becomes the nominal rate, TAN = 12 × ((1 + rate)^(1/12) - 1). Latest data: August 2026, provisional.

Over a year this average moved from 3.31% (August 2025) to 3.60% (August 2026).

This month's offers may differ: the best ones are often below the average, with conditions (down payment, energy class, guarantees, insurance). That is why the rate above can be changed.

The payment

French amortisation, with a constant payment: R = C × i / (1 - (1 + i)^(-n)), where C is the capital, i the TAN divided by 12 and n the number of payments.

The APRC (TAEG)

The annual cost of the whole loan, computed with the cash flows of the EU directive: on top of interest, the costs usually paid to the bank and the State. Substitute tax 0.25% (€2,363), arrangement fee €1,000 (assumption), valuation €350, fire insurance €213 a year, payment collection €3 a month. The notary's fees stay out of the APRC, as the law provides (art. 120-quinquies of the Italian Banking Act): they are included in the cash needed at the deed. For comparison, the average APRC of home loans signed in Italy in August 2026 was 3.99%.

Cash at the deed

The down payment, the purchase taxes estimated for this home under the chosen regime, the agency fee with VAT, the loan costs paid at signing and the notary, for the purchase and for the mortgage. The notary is our estimate, given as a range, not a quote: since 2012 the fee is agreed with the notary, who, having seen the documents, gives a written estimate before being instructed. The bank lends on the value set by its own valuation: if the valuation comes in below the price, the loan goes down, not the price.

The income

The one-third rule comes from the Bank of Italy's consumer guide: a prudence measure for choosing an affordable payment, not the criterion a bank uses to decide. Every bank assesses income, expenses, age and guarantees on its own.

What it is not

It is not a credit offer or advice. TriesteVillas is not a bank, a credit broker or a credit agent, and not a mortgage comparison site. This calculator, built with the help of artificial intelligence, makes a first estimate from official data and the rules written here; the maths runs in the browser and nothing is saved.

Sources

Rates updated on 20 October 2026.

Floor plans

Design drawing, for illustration only: it may differ from the property as it stands and has no planning, cadastral or permit value. Furniture, measurements and room names are indicative. The available cadastral and planning documents can be requested from the agency and are in any case provided before an offer is signed.

Amenities

Period property
Renovated
Old town
Pedestrian zone
Air conditioning
Elevator
5 min to the sea
Balcony

Location

In the gulf · This home, and the other 49 in the catalogue around the gulf. Approximate position.

Approximate location within the area. The exact address is shared on request.

How we used AI in these photos

13 of 19 photos retouched with AI: 5 edited and 6 simulations, marked on the photo; 2 in light and colour only. The viewing remains the only reference.

How we edited them

The photographs in this listing were taken in June 2026, while work was under way: the apartment's interiors, the common areas, the facades and the views from the windows and balconies. Of the 19 published photographs, 6 are real photos, with no artificial intelligence, only light and colour adjusted locally (2 show the apartment as it was on 18 June 2026, still a building site). The other 13 were edited with a generative image model (Google's Nano Banana family, used through the Higgsfield platform); 6 of them are simulations and are marked as such on the photo. 3 show the interiors as they might look once finished: the model removed tools, rubble, plastic sheets and materials, closed the plasterboard walls that are still open and imagined parquet, smooth white walls, skirting and sockets.

In the other 10, which show the building and the views, the model removed, depending on the photo, cars, scooters, people, a bus shelter, traffic lights and road signs, a wall lamp, a flagpole, a doormat and some posters, and warmed the light; in one it replaced the daytime sky with a sunset sky or with clouds that were not there. In one view from the window, published twice, the asphalt street below the building was turned into a stone-paved pedestrian street, with people added who were not there. No furniture and no light fittings were added.

Where something was removed, what it hid was not photographed: the model reconstructed it, plausibly. The floors, walls, sockets, internal doors and cladding seen in the interiors are the model's guess, not the specification: today the apartment is a building site, with bare walls, systems in progress and no floors laid. The model was instructed not to touch windows, doors or room geometry; it did so in most images, but not always: in the plasterboard walls that are still open the doors are in positions guessed by the model.

The caption of each photo says what changed. Facades, window frames, stairs and lifts are real, and so are the views, except for the sky and what is stated above; the sunset light is simulated. The unedited originals of the other photographs are available on request.

Finishes and layout are defined by the floor plans and the specification; a viewing remains the only reliable reference for the property's actual condition.

How we use AI →