BJ studio legale tributario

Il mio Blog
È stata sbandierata la possibilità di ristrutturare casa senza spendere un euro.
È però doveroso precisare che se i lavori sono stati eseguiti a norma di legge il proprietario potrà effettivamente godere della detrazione fiscale pari al 110% della spesa, ma è altrettanto vero che durante l'esecuzione del cantiere qualcuno dovrà anticipare prima di tutto le spese di progettazione e poi l’acquisto del materiale e altro.
Quindi occorrerà anticipare soldi veri per avere un credito d'imposta quando questo sarà vistato per conformità e convalidato dall'Agenzia delle Entrate.
Il committente privato che ha disponibilità liquide potrà anticipare di tasca propria ma la maggior parte degli interessati dovranno rivolgersi agli istituti bancari o alle imprese realizzatrici.
Queste ultime è vero che possono acquisire il credito, anche attraverso lo sconto in fattura, ma dovranno comunque ricorrere a finanziamenti perché passeranno alcuni mesi tra progetto, realizzazione e l'ottenimento del credito d'imposta.
Il ruolo degli istituti di credito è quindi fondamentale sia che sia il cittadino privato o che sia l'impresa a chiedere i fondi necessari.
La banca istruirà una pratica di finanziamento con annessi interessi, commissioni e garanzie.
Poi monetizzerà il finanziamento nel momento in cui acquisirà il credito del Superbonus.
Cioè le banche acquisteranno a 100, forse meno, un credito d'imposta di euro 110.
Anche Poste Italiane si è interessata a queste operazioni che evidentemente sono lucrose per chi le finanzia.
Se è abbastanza facile cedere il credito è invece piuttosto difficile conseguirlo, soprattutto per quanto concerne il SUPERBONUS.
Per poter finanziare i lavori tutti gli operatori finanziari si cautelano chiedendo firme a garanzia, anche ipotecarie sia al singolo privato che alle imprese appaltatrici.
Se poi qualcosa va storto oppure alcuni lavori preventivati vanno a sforare i plafond previsti dalla normativa ecco che si dovrà sborsare di tasca propria.
Anche le procedure messe a disposizione soprattutto su portali dalle banche maggiori per la richiesta/gestione degli adempimenti dei finanziamenti sono particolarmente complesse.
Una maggiore flessibilità è garantita invece dalle banche locali dove il direttore che conosce il cliente può gestire e approvare spese personalmente almeno fino a un certo limite senza che si debba affrontare un vero e proprio percorso di guerra fatto di alert informatici e dati complessi da inserire che rendono particolarmente difficile il dialogo con le piattaforme messe a disposizione delle grandi banche per ottenere l'ok a un'anticipazione sui lavori o sui S.A.L. (Stato Avanzamento Lavori).
Molti confidano in una proroga ma anche in una semplificazione degli adempimenti.
Purtroppo il tempo scorre velocemente .... e i lavori languono.
Ci sarà tempo fino a fine 2023 per concludere i lavori e ottenere il beneficio fiscale ?
Daniele De Gasperis e Carlo Barbiera Commercialista
Per saperne di più scrivere a [email protected] o telefonare allo 0039 0432 501768
Il mio Blog
Tasso di usura I° trimestre 2014
Posted on 8 January, 2014 at 6:15 |
La Banca d'Italia ha reso noti oggi i tassi soglia usurari validi per il primo trimestre del 2014. In particolare, il tasso soglia per i mutui a tasso fisso si attesta al 10,3875% (invariato rispetto al quarto trimestre 2013), mentre per quelli a tasso variabile il tasso soglia e' dell'8,7625 per cento (da 8,85%).
Per ulteriori approfondimenti: http://www.bancaditalia.it/
Categories: None
Post a Comment
Oops!
The words you entered did not match the given text. Please try again.
104 Comments






https://wakelet.com/wake/JA7Az7KSOOEW60-GyovEr
https://wakelet.com/wake/z2z6oTbg1bQOj9g-I4MFL
https://wakelet.com/wake/s8cfnULURYe0HLmQ0BfDI
https://wakelet.com/wake/F-TbKahsgyz398umQCZQX
https://wakelet.com/wake/6cRO8iyNlC2IaybGSHed7
https://wakelet.com/wake/ThnhaIiz1qhozk_oEqN4m
https://wakelet.com/wake/Bjtw9rSsMaRWFhalcek0B
https://wakelet.com/wake/n5s4HiTyy6KxMXpy5agKu
https://wakelet.com/wake/R47VAV9HuXmer8zp6yaW5

0-77-multilingual-winall-incl-keygen
https://coub.com/stories/3062006-biblia-de-estudo-glow-setup-top-
free
https://coub.com/stories/3062001-kapoor-amp-sons-movie-download-b
est-720p-kickass-torrent
https://coub.com/stories/3061999-marathi-lagna-patrika-majkur-pdf
-top-download
https://coub.com/stories/3061998-link-far-cry-3-data10-cab
https://coub.com/stories/3061996-squirt-org-fan-club-new-free-tri
al-code
https://coub.com/stories/3061995-chemstations-chemcad-6-2-0-3348-
license-key-full
https://coub.com/stories/3061992-batman-arkham-asylum-goty-crack-
no-cd-heawhit
https://coub.com/stories/3061991-__full__-bandicam-crack-4-5-6-16
47-latest-version-2020-full-download
https://coub.com/stories/3061988-tanner-tools-v141-64bit-crack-fi
lmale

av
https://coub.com/stories/2947319-geoid-model-for-leica-geo-office
-hot-crack
https://coub.com/stories/2947318-blue-is-the-warmest-color-downlo
ad-mp4-hd-narcxily
https://coub.com/stories/2947317-munchkin-cards-pdf-downloads-tor
rent-extra-quality
https://coub.com/stories/2947316-avg-pc-tuneup-free-top-key
https://coub.com/stories/2947315-fujio-girls-medical-shizuka-upd
https://coub.com/stories/2947314-kabhi-khushi-kabhie-gham-full-hi
ndi-movie-download-free-in-hd-3gp-mp4-glachri
https://coub.com/stories/2947313-download-install-all-in-one-keyl
ogger-full-crack
https://coub.com/stories/2947309-wondershare-dr-fone-v9-0-0-15-fi
nal-crack-download-pc-cracked
https://coub.com/stories/2947311-the-witcher-3-wild-hunt-v1-01-up
date-gog-crackl-new

2-torrent-rosfay
https://coub.com/stories/3054069-repack-tally-7-2-crack-free-down
load-32-bit-for-windows-7-1184
https://coub.com/stories/3054067-crack-panda-antivirus-pro-v17-0-
1-fi-__link__
https://coub.com/stories/3054068-repack-world-creator-2-1-0-for-u
nity
https://coub.com/stories/3054065-top-dievampirschwesternganzerfil
mdownload
https://coub.com/stories/3054060-studiolinked-infiniti-player-1-1
-vsti-aax-au-win-osx-x86-x64-expansions-verified
https://coub.com/stories/3054061-dirt-rally-inc-hotfix-v1-0-109-3
940-repack-by-corepack-cheats-no-verification
https://coub.com/stories/3054059-autocad-2013-64bits-full-crack-m
ulti-hispargentino-64-bit-favfay
https://coub.com/stories/3054058-winline-plotter-driver-crack-7-h
ot
https://coub.com/stories/3054051-exclusive-driverwifixvisionss250
3

rmato-ghersi-download-pdf-top
https://coub.com/stories/3009749-danganronpa-v3-killing-harmony-p
assword-top
https://coub.com/stories/3009747-link-download-geo-5-full-crack-i
dm
https://coub.com/stories/3009745-wilcom-2006-sp4-r2-on-windows-7-
software-torrent-tomwin
https://coub.com/stories/3009746-high-quality-hector-de-leon-1987
-philippine-constitution-pdf-download
https://coub.com/stories/3009744-genie-gone-wild-rags-download-ja
qfife
https://coub.com/stories/3009742-surah-al-imran-translation-in-ur
du-pdf-download-berkell
https://coub.com/stories/3009743-vmg-file-reader-for-pc-balsbail
https://coub.com/stories/3009740-ultimate-coins-smeet-hack-v27-19
-vandal
https://coub.com/stories/3009729-chemoffice-2010-full-crack-mega-
new

6-torrent
https://coub.com/stories/3003765-incomedia-website-x5-template-pa
ck-901-902-903-904-bg-rar-upd
https://coub.com/stories/3003764-5th-set-swede-burns-pdf-free-hot
https://coub.com/stories/3003763-ontrack-easyrecovery-professiona
l-6-21-02-crack-rar-halymar
https://coub.com/stories/3003761-pc-game-monopoly-game-collection
-3-in-1-pack-with-lucky-patcher-flemlau
https://coub.com/stories/3003758-brekel-pro-body-2-cracked-heayar
https://coub.com/stories/3003755-exclusive-rt-data-for-amibroker-
crack
https://coub.com/stories/3003754-hd-online-player-sandra-orlow-im
ages-13
https://coub.com/stories/3003747-easy-street-draw-6-216
https://coub.com/stories/3003751-mixw-2-20-crack-hot

ve
https://coub.com/stories/2997850-laila-majnu-story-in-malayalam-p
df-download-new
https://coub.com/stories/2997849-refx-nexus2-expansion-handsup-le
ads-vol-1-nxp-rar
https://coub.com/stories/2997847-housefull-2-2015-hindi-720p-torr
ent-waldlesl
https://coub.com/stories/2997848-anti-deep-free-best-ze-standard-
7-0-220-rar
https://coub.com/stories/2997843-better-zmodeler-3-crack-serial-3
5
https://coub.com/stories/2997842-archicad-14-x32-extra-quality-cr
ack
https://coub.com/stories/2997841-propresenter-5-software-windows-
with-crack-top
https://coub.com/stories/2997838-__link__-hd-online-player-malefi
cent-hindi-dubbed-movie-download
https://coub.com/stories/2997837-chiefarchitectlibrariessetupfree
-better

n-full-movie-hd-1080p-jammerc
https://coub.com/stories/3101439-inkaar-dubbed-in-hindi-hd-torren
t
https://coub.com/stories/3101438-work-codesoft-2012-crack
https://coub.com/stories/3101437-anytrans-6-3-0-crack-top-serial-
key
https://coub.com/stories/3101434-link-ccleanerv5265937finalalledi
tionskeygensofthound64bit
https://coub.com/stories/3101436-jumelage-french-book-pdf-154
https://coub.com/stories/3101435-the-mr-hot-mr-kool-full-movie-3g
p-download-lucilav
https://coub.com/stories/3101433-high-quality-nissan-datascan-1-6
-cracked
https://coub.com/stories/3101432-landwirtschafts-simulator-2013-k
ostenlos-downloaden-vollversion-link-crack
https://coub.com/stories/3101431-activador-geeker4-rar-_hot_

enaria-serial-133
https://arnoldsilke.wixsite.com/suidleserin/post/technika-h16wc01
-driver-download-win7
https://citomulsophsneemf.wixsite.com/anadgepost/post/nulled-ardu
i-torrent-file-full-pc-registration-zip
https://skilamecinedan.wixsite.com/ventdescthrowmi/post/silkroad-
online-guild-and-union-emblems-download
https://ghetatisnicafont.wixsite.com/whasilowhi/post/modelland-ty
ra-banks-free-pdf-download
https://enpatarvisalzca.wixsite.com/neypenfimort/post/watch-onlin
e-hulchul-free-movies-movie-utorrent-dubbed-free
https://shellaczajkowski96.wixsite.com/pyotagubats/post/sleeping-
dogs-crack-fix-update-1-4-25
https://terlapartgepile.wixsite.com/nonmidese/post/ns1waveplugin-
zip-windows-registration-full-version-torrent
https://barbarafreeman0.wixsite.com/decanpide/post/men-in-black-3
-part-1-torrent-1080-watch-online-full-mkv-subtitles-dts
https://sketexpaytisares.wixsite.com/lawallesssec/post/shaadi-mei
n-zaroor-aana-2-watch-online-720-dubbed-avi-rip

-4-extra-quality-download
https://coub.com/stories/3376493-repack-supply-chain-logistics-ma
nagement-bowersox-4th-pdf-free
https://coub.com/stories/3376492-x-force-keygen-revit-2014-descar
gar-fabred
https://coub.com/stories/3376491-top-kambakkht-ishq-2009-hindi-72
0p-brrip-charmeleon-silverrg-subtitles
https://coub.com/stories/3376490-__hot__-meet-n-fuck-mega-pack-16
-games-rar
https://coub.com/stories/3376489-upd-bharat-ratna-vijayashanthi-t
elugu-movie-songs-free-download
https://coub.com/stories/3376488-_hot_-black-magic-cable-tv-softw
are-free-download-torrent
https://coub.com/stories/3376487-air-conflicts-pacific-carriers-b
iahel
https://coub.com/stories/3376486-free-download-video-bokep-ariel-
vs-aura-kasih-3gp-rar-hit-sanjelo
https://coub.com/stories/3376485-gnomeo-y-julieta-1080p-latino-18
-staerm

https://wakelet.com/wake/SEzkUBbDEavKtnu4Eh34_
https://wakelet.com/wake/gWILFLY9jptSpHHYLA8Lm
https://wakelet.com/wake/MUjq4AH26E0Zrx8NwOFbq
https://wakelet.com/wake/tayjeogaOSbJ2rspYenHm
https://wakelet.com/wake/FiwIJSEAfbB54HT61DciD
https://wakelet.com/wake/elD2VSDVS0oovWuvFG5FI
https://wakelet.com/wake/AhPp534LkXt4dX3GwBsKW
https://wakelet.com/wake/z-rEMttIj0dnSJrxavQXu
https://wakelet.com/wake/KWOa7y97HXO7PthyXpgs7
https://www.curtaincitynewyork.com/apps/blog/show/18413848-embroi
dered-faux-silk-curtains-lined-132-inch-

atinum-5-58-serial-number-extra-quality
https://coub.com/stories/3444523-top-murakami-hear-the-wind-sing-
epub-download
https://coub.com/stories/3444521-1920-london-hd-1080p
https://coub.com/stories/3444519-mobileex-professional-service-su
ite-version-3-3-nokia-tool-rar
https://coub.com/stories/3444515-shinanigens-shin-lim-torrent-tor
rent-patched
https://coub.com/stories/3444516-repack-download-vbreformer-profe
ssional-full-crack
https://coub.com/stories/3444514-updated-studio-1-sdr-software-do
wnload
https://coub.com/stories/3444513-kyun-main-jaagoon-mp3-exclusive-
download-320kbps
https://coub.com/stories/3444510-llengua-valenciana-4-primaria-sa
ntillana-pdf
https://coub.com/stories/3444506-john-paul-jackson-dream-dictiona
ry-pdf-renisa
http://hyogo.sblo.jp/article/25587808.html

-hindi-12
https://coub.com/stories/3414341-bone-thugs-n-harmony-love-of-mon
ey-mp3-download-pintarn
https://coub.com/stories/3414343-telugu-dubbed-pan-english-portab
le-full-movie
https://coub.com/stories/3414342-12ammadhyaratrikannadamoviedownl
oad-ragnlin
https://coub.com/stories/3414340-verified-dhoom-2-full-movie-hd-i
n-telugu-1080p
https://coub.com/stories/3414339-cracked-downloaduud1945sebelumda
nsesudahamandemenpdf508
https://coub.com/stories/3414335-avast-premier-license-key-activa
tion-code-till-2048-official
https://coub.com/stories/3414332-free-main-tera-hero-full-movie-f
ree-download-300mb
https://coub.com/stories/3414330-dolphin-svn-r-6093m-mediafire-ka
ngdinn
https://coub.com/stories/3414329-bibcam-11yo-15yo-brothers-1-reah
as
https://triberhub.com/extravagev

enta-greek-american-lexico
https://humbangnite.localinfo.jp/posts/18857190
https://trello.com/c/VD0OzGgR/145-gezerolee-v2-full-hot-hotfile-1
https://documen.site/download/russianbare-family-beach-pageant-pa
rt-1avi82_pdf
https://petrecca67.wixsite.com/trimmatingpas/post/guide-for-men-o
n-divorce-cruelty-desertion-annulment-book-pdf
https://realmangtite.localinfo.jp/posts/18857189
https://frankmitchell4.wixsite.com/huiderpura/post/gundam-pepakur
a-pdo
https://baker.wixsite.com/bullmenletes/post/free-download-murder-
movie-2004
https://uploads.strikinglycdn.com/files/bcb6620d-a00f-4057-a101-9
934c18d85a9/Oh-My-God-Movie-In-Hindi-Hd-Download.pdf
https://simonehicks.wixsite.com/credsualhytit/post/miss-rita-epis
ode-10-the-rivalry-15
https://www.reach-out-colorado.org/apps/blog/show/16985933-the-ro
c-report?siteId=94337414&locale=en-GB

https://wakelet.com/@keyntegterna976
https://wakelet.com/@saycrapbeckrigh239
https://wakelet.com/@tudestlogor206
https://wakelet.com/@baipigalca479
https://wakelet.com/@kausibottrock434
https://wakelet.com/@derturosig143
https://wakelet.com/@courtlongpartcont965
https://wakelet.com/@ballhuddnuna587
https://wakelet.com/@tiadekikdbee367
https://guyskayakservice.com/apps/blog/show/46932749-july-update
Oops!
Oops, you forgot something.