The Super Ecobonus 110%, provided for by the Relaunch Decree offers a deduction, spread over 5 years, which concerns works aimed at reducing the environmental impact of buildings, but also capable of obtaining energy savings or even protecting against seismic risks. This includes the installations of solar panels and charging columns for electric cars and scooters.
It is possible to request the credit transfer in two ways:
- through one discount on the invoice the company, which will then in turn use the credit or pass it on to a third party;
- in the form of a credit transfer (by the condominium or the taxpayer) to a bank, a finance company or even to a third party.
The banks then began to submit their bids on the loan assignment.
The credit transfer can be enjoyed directly by the owner of the property or even secondarily by the same companies that carried out the interventions from which the Ecobonus originated, after having granted the customer the discount on the invoice.
After Intesasanpaolo, Unicredit, Bnl, Mps, Banco Popolare and Credit Agricole, tailor-made commercial offers continued to emerge on the market by credit institutions to proceed with the sale of the credit deriving from the Ecobonus 110%.
There is one of the latest banks to operate in this sense Banca Carige, which is aimed at:
- private individuals and condominiums carrying out the work;
- companies have applied the discount on the invoice.
Specifically, it is a proposal to purchase tax credits:
- private individuals and condominiums will be able to transfer tax credits deriving from deductible expenses in 5 years, obtaining back 93.19% (102.5 euros for every 110 credit transferred); businesses will receive 91.81% (101 euros for every 110 credit transferred);
- the tax credits deductible in 10 years will instead allow 81.12% of the assigned credit to be recovered.
The tax credits transferred will accrue and will therefore be paid as the work progresses:
- the first with a state of progress equal to at least 30% of the specifications;
- the second with a minimum of an additional 30%;
- the remainder at the end of the works.
For those who need liquidity to carry out the work, Banca Carige offers targeted loans at facilitated conditions with the opening of a current account credit and within the maximum amount of the tax credit transferred.
Banca Carige also offers specialist support with a technical and fiscal consultancy service and assistance for accessing credit and managing the related administrative process.
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