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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

Il 18 Aprile presentazione delle domande per l'APE volontaria

Posted on 13 April, 2018 at 5:10

Con  il comunicato stampa del 12 aprile 2018:

https://www.inps.it/docallegatiNP/InpsComunica/UfficioStampa/comunicatistampa/Lists/ComunicatiStampa/cs180412.pdf

l'INPS ha reso noto che è stato attivato il servizio per la presentazione della domanda per la pensione anticipata, la cosiddetta APE. La domanda va fatta on-line sul sito dell'INPS.

Ricordo che di fatto è un anticipo finanziario a garanzia pensionistica che comprende la proposta del contratto di finanziamento, la proposta di contratto di assicurazione contro il rischio di premorienza, l’istanza di accesso al Fondo di garanzia, nonché la domanda di pensione di vecchiaia.

Gli interessati devono avere la certificazione del diritto da parte dell’Inps e l’identità digitale SPID di secondo livello.

Chi ha maturato i requisiti di accesso all’APE volontario nel periodo compreso tra il 1° maggio e il 18 ottobre 2017, deve presentare la domanda di accesso entro il 18 aprile 2018.

Per istruire la pratica, inoltrarla on-line e ogni informazione potete rivolgervi al nostro Studio via email [email protected] o telefonicamente allo 0432501768 o alla Associazione di Categoria Federala [email protected]


Carlo Barbiera Commercialista e Consulente del lavoro


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