Loan And Mortgage Information

4% rebates on loans Variables – Provisions

by admin on 25/01/09 at 11:26 am

As my article of February 22 last year, found now on discount loans, variable rate of 4%, with a measure of the revenue n.32583, you specify the provisions implementing Article 2 paragraph 3 of the Decree Law 29 November 2008 n.185, which explains the procedures for communication to banks and financial intermediaries of the taxpayers, need to be able to take advantage of the 4% discount rate and manner of implementation of tax credits.

Let all who is in reality the facilitation and what are the steps necessary:

The facility lies with the interest of a variable rate loan contract for the purchase, renovation of the First House by 31 October 2008, and not on the buildings in the Land Registry reported in categories A1 – A8 – A9.
The first performance is up to banks that the customer identified recipient of the rebate, and notify the mailbox dc.sac.gestionedichiarazioni.mutuiprimacasa@agenziaentrate.it that name, running through all this mail, will then set up the appropriate directories in ‘ registration tax, where you can check the requirements for eligibility to the discount and the beneficiary.

One very important thing is to contact your bank, however, because in case of failure to claim again the list of recipient data, it can still take advantage of the discount by contacting their own bank and a SELF-forward, which will be presented on request of the internal control for possible verification.

The calculation of the installment will take due account of the maximum rate of 4% with no spread, or other costs increase, taking into account the contractual rate on the date of signing the loan variable. Of course, in that facilitation may join the loans renegotiated with the Tremonti Law n.93/08.

The difference between the amounts calculated in the new installment for granted and what would have been without the discount is borne by the State. Will advance by the Bank under which the tax credit will receive a refund of its 770 in a special section.