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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 Risparmiometro e le truffe delle banche.

Posted on 21 May, 2019 at 5:45

Il 24 settmebre del 2017 riportai, in un articolo su questo Blog, la frase di Rossella Orlandi (Direttore Generale dell'Agenzia delle Entrate per tre anni, ora retrocessa a Direttore dell'Emilia Romagna) con la quale prometteva di scatenare il lato oscuro del Fisco contro i contribuenti.

Forse faceva riferimento alla potente macchina di Guerre Stellari, la Morte Nera.
Qualche collega ne parla ancora scherzosamente,
ma non tanto analizzando il Risparmiometro.

Come dire sconfitta la prima Morte Nera (ne scrissi agli albori di questo Blog il 22 novembre 2012), ecco che ne nasce un'altra, come nella trilogia.

Allora si parlava di Redditest, Redditometro, Ricavometro, Spesometro, Riccometro, gli Studi di Settore, da poco è stato inventato anche l'Esterometro ma....
il Risparmiometro ci mancava …..
si,
ne sentivamo proprio la mancanza!

Se n’era parlato parecchio con non pochi timori da parte dei titolari di conto correnti.
Il nuovo algoritmo del fisco funziona così:
Se hai troppi risparmi sul conto, arrivano i controlli del fisco.
Capirai che algoritmo,
Einstein si starà rivoltando nella tomba.

Sembra che la Morte Nera… pardon....volevo scrivere la Superanagrafe del Risparmiometro entri in azione anche nei confronti dei piccoli contribuenti: le persone fisiche, le ditte individuali, i lavoratori dipendenti, i pensionati cioè quei cittadini oculati, formichine che hanno risparmiato granellino su granellino per accumulare un tesoretto e....

Pam!

arriva il Fisco e tutto ti porta via.

Ma a parte gli scherzi

vediamo come funziona e come difendersi da questa nuova trovata per spremerci meglio,
perché anche se le intenzioni sono quelle di dare la caccia agli evasori,
le croniche esigenze di cassa,
gli obbiettivi più facili da colpire,
il budget di fine anno da rispettare,
i premi ai Funzionari per il raggiungimento degli obbiettivi quantitativi (anziché qualitativi) ecc.
finiranno col garantire un uso distorto della norma.

L'algoritmo è questo:
Se il contribuente ha speso più di quanto ha incassato è quasi sicuro che abbia redditi “in nero”,
Per il Fisco vale sempre la famosa frase di Andreotti: a pensar male si fa peccato, ma ci si azzecca sempre.
A dire il vero nella frase originaria c'era anche la parola “quasi” che però è stata rottamata … tanto si sa il Fisco è un gran peccatore.

Il contribuente si salva solo se dimostra di aver vinto al Superenalotto, ricevuto eredità, donazioni, mutui dalle banche degli amici degli amici ecc...
Ma non sono indenni neppure i risparmi che avevate, ma che non avete più perché le banche vi hanno rubato facendovi fare mirabolanti investimenti o facendovi comprare le loro azioni cartastraccia.

Ecco è semplice!

Questo “nero” scovato viene tassato e sanzionato.
Perché il fisco dice che i soldi guadagnati non possono essere tutti messi da parte.
Una gran parte deve essere spesa in alimenti, affitto, utenze, benzina, medicine, ecc.

Vi ricordate il nonno che Vi diceva che per risparmiare mangiava “pan e formadi”
niente da fare!
il Fisco vuole, fortissimamente vuole che si incrementino i consumi:

viva la cicala .... a morte la formica!
Anche Jean de La Fontaine si starà rivoltando nella tomba.

Sei un risparmiatore?
Ecco che allora sei un sospetto!

Ma per fare questo il Fisco ha bisogno di una Superanagrafe.
Vi ricordate il “Grande Fratello” ecco più o meno.
Sarà una anagrafe dei conti correnti e di tutti i rapporti finanziari, libretti di risparmio, depositi, cassette di sicurezza, titoli, ecc.

Ma da dove spunta e chi è il responsabile di questa trovata?

Era stata annunciata come arma finale contro tutti i contribuenti anche quelli che non hanno partita iva, già dal decreto salva-Italia...

e si!

Sempre lui il Governo Monti.

Entrate e GDF potranno sfruttare il Grande Fratello delle Banche.
Infatti non basta che le Banche ci abbiano schiacciati con il potere finanziario e derubati con le truffe legalizzate, cha siano state sostenute e finanziate a tasso zero dalla BCE (ovviamente con i soldi dei contribuenti) e che l'Italia abbia dovuto finanzaire gli altissimi interessi sul suo debito pubblico chiedendo soldi alle banche che invece gli interessi se li sono fatti pagare eccome.

Le banche adesso diventano delatori e informatori del Fisco. .... finite le truffe, adesso le Banche ci vendono al Fisco

Non se ne può più!

Io torno a mettere i soldi sotto il materasso!

Sapete cosa faranno poi ?
Le famigerate “liste selettive” (una nuova colonna infame di Manzoniana memoria), gli elenchi cioè dei contribuenti più a ....rischio, si dice all' Agenzia delle Entrate, ma in realtà saranno quelli più facili da spremere.

l Risparmiometro è dunque confermato e ampliato.

Chissà se poi quando la gente, rimasta senza soldi chiederà il pane, l'Agenzia delle Entrate gli dirà di mangiare Brioches.

Il nuovo strumento che manca al nostro Fisco è il Ragionevolezzometro.

Carlo Barbiera Commercialista
Per saperne di più scrivere a [email protected] o telefonare allo 0039 0432 501768

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