Large families will be able to get it mortgages facilitated with the guarantee of the State. With coverage even greater than that currently granted to young people under 36 years of age. The law is ready and has been included in the package of budget amendments deposited yesterday by the sponsors of the measure in the Senate Budget Committee. How will it work? A family that has three children and an ISEE of less than 40 thousand euros per year will be able to obtain a guarantee of 80 percent of the principal amount of the mortgage if they request from the bank a loan greater than 80 percent of the value of the mortgage. property. If there are four children in the family unit (under 21 years of age) and the ISEE does not exceed 45 thousand euros, then the public guarantee on the mortgage will rise to 85 percent. Finally, if there are five or more, and the ISEE is less than 50 thousand euros, the public guarantee will reach up to 90 percent. But what is the reason for the decision to extend the state mortgage guarantee to large families? The reason is explained in the technical report of the modification. «Mortgage denial», we read, «is especially frequent in the case of large families, since the solvency assessment algorithms used by banks penalize families with several children, making it difficult for a family to access a mortgage. numerous.
Single allocation 2024, how to avoid losing money: the deadlines for the ISEE and who must “submit” to the INPS. Requirements and limits
In short, it is a measure, says the technical report of the amendment, that “is part of the overall national plan to support the family and indirectly favors birth rates.” The amount of financing guaranteed by the State, as is already the case with young people, cannot exceed 250 thousand euros.
On the other hand, another amendment from the speakers intervenes on the IMU issue, with a measure that will inevitably not be appreciated by the owners. In fact, municipalities are given a kind of “extra time” to review tax rates, possibly making taxpayers pay the difference in the event of an increase. More precisely, only for the year 2023 is the deadline for publishing the resolutions with which the rates are set each year brought forward: according to current law, local authorities must send them before October 14, so that they are published in the specific website of the Department of Finance on the 28th of the same month. However, exceptionally, resolutions transmitted before November 30 will also be considered timely and, therefore, valid, with January 15 as the deadline for publication.
However, there is not only tolerance for delays by municipal administrations in their obligations. In fact, until Monday, property owners (with the exception of main homes that are not considered luxury) must pay the balance of the IMU, after the June deposit. What will happen if the rates announced later are higher than those in force until now? Simple: taxpayers must return to the cashier’s office before February 29, 2024, paying the difference without penalties or interest. If, on the other hand, the final amount is less than the amount paid, a refund will be made.
Therefore, there is the possibility of a third tranche of the IMU at the end of February: a possibility that is not at all abstract given that some 200 municipalities have decided on it late (21 in Lazio alone, but there is no Rome). Confedilizia criticized the retroactive nature of the rule, which violates the rights of taxpayers.
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