01/07/2022 – The Government confirms its intention to loosen the links of the credit transfer. The Executive filed an amendment, approved tonight by the House Budget and Finance Committees, which are examining the conversion bill of the “Aid” Decree (DL 50/2022).
The bill will be in the Chamber next Monday.
Building bonuses, credit transfer extended
With the Government’s amendment, banks will no longer be limited to making transfers in favor of private professional clients, but they will be able to assign the credit to all parties other than consumers or users. In other words, the assignment cannot take place in relation to natural persons acting for purposes unrelated to any entrepreneurial, commercial, artisanal or professional activity carried out.
The other conditions introduced by the Aid Decree should remain, namely:
– that the transferees have entered into a current account agreement with the transferring bank or with the parent bank;
– that the transferees are not entitled to make further transfers.
The change should unblock the current situation, paralyzed because the banks have bought credits that they are no longer able to resell and, consequently, are not buying any more.
Superbonus, no to the extension
The expansion of the subjects to whom the credit was to be transferred had been announced during a meeting between the majority and the Executive and solicited by the Senate Industry Commission with the approval of a resolution it had the Government engaged to evaluate the adoption of suitable measures to unblock the assignment of credits.
In the same meeting between the majority and the Executive, the Government had instead rejected any hypothesis of extending the Superbonus due to lack of coverage.
The Revenue Agency, correcting a formal error on the maxi-circular that summarizes the responses to the ruling requests provided in recent months, explained that for single-family real estate units, expenses incurred by 30 June 2022 are eligible for subsidy. who will complete 30% of the total intervention by 30 September 2022, the expenses incurred up to 31 December 2022.
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