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BJ  studio legale tributario

Il mio Blog

È stata sbandierata la possibilità di ristrutturare casa senza spendere un euro.


È però doveroso precisare che se i lavori sono stati eseguiti a norma di legge il proprietario potrà effettivamente godere della detrazione fiscale pari al 110% della spesa, ma è altrettanto vero che durante l'esecuzione del cantiere qualcuno dovrà anticipare prima di tutto le spese di progettazione e poi l’acquisto del materiale e altro.


Quindi occorrerà anticipare soldi veri per avere un credito d'imposta quando questo sarà vistato per conformità e convalidato dall'Agenzia delle Entrate.


Il committente privato che ha disponibilità liquide potrà anticipare di tasca propria ma la maggior parte degli interessati dovranno rivolgersi agli istituti bancari o alle imprese realizzatrici.

Queste ultime è vero che possono acquisire il credito, anche attraverso lo sconto in fattura, ma dovranno comunque ricorrere a finanziamenti perché passeranno alcuni mesi tra progetto, realizzazione e l'ottenimento del credito d'imposta.


Il ruolo degli istituti di credito è quindi fondamentale sia che sia il cittadino privato o che sia l'impresa a chiedere i fondi necessari.

La banca istruirà una pratica di finanziamento con annessi interessi, commissioni e garanzie.

Poi monetizzerà il finanziamento nel momento in cui acquisirà il credito del Superbonus.

Cioè le banche acquisteranno a 100, forse meno, un credito d'imposta di euro 110.

Anche Poste Italiane si è interessata a queste operazioni che evidentemente sono lucrose per chi le finanzia.


Se è abbastanza facile cedere il credito è invece piuttosto difficile conseguirlo, soprattutto per quanto concerne il SUPERBONUS.

Per poter finanziare i lavori tutti gli operatori finanziari si cautelano chiedendo firme a garanzia, anche ipotecarie sia al singolo privato che alle imprese appaltatrici.

Se poi qualcosa va storto oppure alcuni lavori preventivati vanno a sforare i plafond previsti dalla normativa ecco che si dovrà sborsare di tasca propria.


Anche le procedure messe a disposizione soprattutto su portali dalle banche maggiori per la richiesta/gestione degli adempimenti dei finanziamenti sono particolarmente complesse.


Una maggiore flessibilità è garantita invece dalle banche locali dove il direttore che conosce il cliente può gestire e approvare spese personalmente almeno fino a un certo limite senza che si debba affrontare un vero e proprio percorso di guerra fatto di alert informatici e dati complessi da inserire che rendono particolarmente difficile il dialogo con le piattaforme messe a disposizione delle grandi banche per ottenere l'ok a un'anticipazione sui lavori o sui S.A.L. (Stato Avanzamento Lavori).


Molti confidano in una proroga ma anche in una semplificazione degli adempimenti.


Purtroppo il tempo scorre velocemente .... e i lavori languono.


Ci sarà tempo fino a fine 2023 per concludere i lavori e ottenere il beneficio fiscale ?


Daniele De Gasperis e Carlo Barbiera Commercialista

Per saperne di più scrivere a [email protected] o telefonare allo 0039 0432 501768




Il mio Blog

LA PACE FISCALE

Posted on 27 October, 2018 at 4:40

Pubblicato sulla Gazzetta Ufficiale del 23.10 il Decreto Legge sulla cosiddetta Pace Fiscale che prevede:

1) per le cartelle esattoriali dal 2000 al 2017, la cancellazione delle cartelle fino a 1.000 euro,

2) la Rottamazione Ter per le cartelle di importo superiore ma con un debito massimo, compresi interessi, sanzioni e aggio, non superiore ai 100.000 euro (vedremo se questo importo verrà modificato in fase di conversione) con una interessante novità rispetto alle 2 precedenti rottamazioni:
si potranno pagare a rate in cinque anni beneficiando anche della riduzione degli interessi applicati alla rateazione e cioè lo 0,3% contro i 4,5%.

3) tre aliquote per la pace fiscale a saldo e stralcio per le cartelle esattoriali, anche INPS, per coloro che dimostrano di essere in difficoltà, con le percentuali minima al 6%; intermedia al 10; massima al 25% (vedremo i dettagli nella conversione del Decreto in Parlamento).
Tali aliquote vanno applicate all'importo complessivo del debito, sulla base della situazione economica del debitore e alla sua capacità contributiva.

prevista anche la pace fiscale sui contenziosi:
- pre-accertamento 15% tramite ravvedimento operoso;
- nei tre gradi di giudizio ci sarà la possibilità di non pagare le sanzioni ed interessi, sia che si perda o che si vinca. Uno sconto forfettario sulle somme dovute allo Stato.
- una particolare forma di dichiarazione integrativa che consente a chi ha presentato la dichiarazione dei redditi, di denunciare le somme omesse nella precedente dichiarazione ma con 2 limiti non più di 1/3 di quanto già dichiarato e con un massimo di 100.000 euro pagando su queste somme integrate il 20%.

Con tempi più lunghi entrerà in vigore anche la Flat Tax dal 2019 almeno per le partite IVA nel regime forfettario, e poi gradualmente per le imprese e dal 2021 per le famiglie con le risorse recuperate con la pace fiscale.


Per ulteriori approfondimenti ci contatti allo 0432501768 o via email: [email protected]

Carlo Barbiera Commercialista


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