Bonus prima casa: ecco come funziona, chi può utilizzarlo

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Bonus prima casa. Ecco cosa c’è da sapere sulle agevolazioni e sui vantaggi. Un aiuto davvero importante per molti giovani. 

Bonus prima casa

Il bonus prima casa verrà introdotto con il DL Sostegni bis. Queste misure vedranno come destinatari i giovani che vogliono acquistare la loro prima abitazione.

Questo bonus potrebbe essere un grande aiuto per tutti coloro che vorrebbero fare questo grande passo, ma che sono ancora titubanti. Scopriamo i dettagli.

Bonus prima casa: tra sgravi fiscali e altre agevolazioni

Il DL Sostegni bis prevede innanzitutto diversi sgravi fiscali per le tasse sull’acquisto della prima casa. Un altro vantaggio arriva dal Fondo di garanzia per i mutui prima casa Consap. Queste ente elargisce un finanziamento a tutti i giovani under 36 che permetterà loro di non versare l’anticipo del muto. Sarà lo Stato a farlo al posto loro.

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Le agevolazioni fiscali vengono descritte nell’art. n°28 del DL Sostegni bis. I giovani sotto i 36 anni potranno usufruire del bonus che azzera i costi dell’imposta di registro, di quella catastale e di quella ipotecaria. L’azzeramento riguarda anche l’eventuale presenza dell’imposizione dell’IVA sull’immobile.

Se vuoi seguire tutte le nostre notizie in tempo reale CLICCA QUI

L’incentivo è valido solamente per l’acquisto di una prima casa che rientra nella categoria catastale di tipo A. Sono esclude se abitazioni A/1, A/8 e A/9 dato che sono considerate dimore di lusso.

Come detto prima, un altro vantaggio riguarda il muto. Grazie all’intervento del governo, il Fondo di garanzia mutuo prima casa coprirà il 100% delle spasa. Sarà quindi possibile richiedere un mutuo con garanzia statale e senza anticipo fino a 250.000euro.

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Queste misure saranno in vigore fino al 2022. Chi non avesse il requisito anagrafico può comunque godere di altre agevolazioni. Tra queste troviamo la detrazione dall’IRPEF del 19% delle spese del mutuo nella dichiarazione dei redditi. Se poi si acquista un immobile da un privato ad IVA, l’aliquota applicata sarà del 4%.

Ci sono anche sconti sulle imposte di registro, ipotecarie e catastali. Se l’abitazione è soggetta a IVA, le imposte avranno un costo fisso di 200 euro l’una. Senza IVA invece il costo sarà di 50 euro l’una per imposta ipotecarie e catastale. L’imposta di registro sarà calcolata al 2% del prezzo di listino dell’abitazione.

Bonus prima casa

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