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Incentivi, riduzioni, agevolazioni… che confusione! E che rischio di sbagliare… Abbiamo fatto qualche domanda alla collega e collaboratrice di ReNoVa Immobiliare, Claudia Calvarese, per fare chiarezza sull’intricato mondo dei bonus sulla casa.

 

– Buongiorno Claudia, prima di entrare nel vivo del discorso, parlaci un po’ di te e del perché ci troviamo a farti delle domande che riguardano l’immobiliare.

Buongiorno a voi. Vivo e lavoro da sempre tra Tortoreto e Alba Adriatica. Ho iniziato la mia attività professionale come segretaria e agente per diversi gruppi immobiliari. Contestualmente ho curato la mia formazione, e lavorato per alcune strutture ricettive della zona. Dal 2020, invece, sono tornata a svolgere la mia professione originaria, rivestendo il ruolo di coordinatrice e assistente immobiliare ed è per questo che oggi sono qui a parlare con voi di argomenti che catturano la mia curiosità e mi appassionano.

 

– Nell’ultimo anno abbiamo tanto sentito parlare di bonus legati alla casa. Perché secondo te?

– Il covid ha toccato la società colpendola su diversi fronti. Senza voler sottovalutare l’emergenza sanitaria, uno tra i contraccolpi più forti riguarda il mondo del lavoro. Molte persone si sono ritrovate nell’impossibilità di svolgere la propria professione con conseguenze devastanti sulla propria economia e su quella di intere famiglie. Ecco perché i bonus legati alla casa rappresentano uno strumento utile, in questo particolare momento, per fronteggiare le difficoltà e continuare a sognare e a costruire la vita che si desidera.

 

– Quando parli di sogni a cosa ti riferisci?

– Penso al Bonus Casa per le persone con meno di 36 anni e con un ISEE inferiore ai 40.000 euro di reddito complessivo. Penso alla possibilità di acquistare una prima casa tagliando i costi e sospendendo il mutuo per mesi. Se si rispecchiano i requisiti, le agevolazioni si riflettono sui costi di registro, dell’imposta ipotecaria, di quella catastale e sulla presenza di un credito di imposta sull’IVA. E va aggiunto che il bonus è spendibile non solo sull’acquisto di una prima casa ma anche sulle pertinenze: box auto o garage. Per il momento, gli incentivi sono validi fino al 30 giugno del 2022 e possono essere richiesti anche sugli acquisti effettuati durante questo anno.

 

– Prima hai menzionato la sospensione dei mutui, puoi dirci qualcosa in più?

– È abbastanza semplice richiedere la sospensione;  basta contattare la propria banca e presentare la richiesta che verrà poi valutata in tempi rapidi. Inoltre, non è più necessario mostrare la certificazione ISEE: per un lavoratore dipendente basta presentare la lettera di licenziamento, mentre, per chi possiede una partita IVA, è necessario dimostrare un calo evidente del fatturato. La sospensione dei mutui prima era prevista per una soglia di 250.000 euro e adesso è stata portata a 400.000 euro.
Questa agevolazione attualmente è in vigore fino al 31 dicembre 2021.

 

– Perché sottolinei “attualmente è in vigore fino al”?

– Perché parliamo di bonus che probabilmente verranno prorogati ma, per esserne certi, dobbiamo aspettare la Legge di bilancio 2022.

 

– Lo stesso discorso vale per il tanto nominato Superbonus del 110%?

– Esattamente. Lo scopo di questa misura è di sostenere lavori di ristrutturazione volti a migliorare l’efficientamento energetico e ridurre il rischio sismico. Si vocifera che questo bonus potrà accompagnarci fino al 2023 ma dobbiamo aspettare, per la proroga formale.

 

– Oggi abbiamo parlato del Bonus Casa, del Fondo Sospensione Mutui e del Superbonus 110%.
Esistono altri tipi di agevolazioni o incentivi?

– Assolutamente sì. Basti citare il Bonus Mobili ed Elettrodomestici o il Sisma Bonus.  E non sono tutti.

 

– Cosa possiamo fare per avere un’idea chiara su tutto?

 

Per avere un supporto concreto e per conoscere meglio il mondo dell’immobiliare, vi invito a farci visita presso ReNoVa Group. La nostra sede è a Tortoreto, in via Nazionale Adriatica, 45. Oltre al piacere di assaporare insieme un caffè, avremo quello, più gratificante, della conoscenza! Vi aspettiamo.

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