• Tue. Dec 7th, 2021

First home bonus for under 36: what it is and how it works

Byeditorial

May 27, 2021

Young people who are no more than 36 years old and who purchase their first home can count on a significant tax discount at the time of the deed. The state clears the taxes on the sale, both when this occurs from a private individual or from a construction company. The tax relief for the purchase of the first home for under 36 with zero taxes applies, however, remember the Leggepertutti.it, only until 30 June 2022, unless extended. The discount only concerns the deed of sale and the bank loan, not the preliminary contract (i.e. the compromise) for which the registration tax remains due (3% for advances and 0.50% for confirmatory deposits. ), the mortgage tax of 200 euros, the stamp duty (155 euros) and the mortgage tax (35 euros). Conditions for the tax benefit In order to access the tax benefit, it is first necessary to present the conditions provided for the so-called first home bonus. And therefore you must not own other properties, wherever they are located, previously received with this bonus; otherwise they will have to be sold. If you are the owner, even for shares, of a house in the same municipality as the one to be purchased, this will be sold within 1 year of the deed. You must therefore move your residence within 18 months of the deed to the Municipality where the property to be purchased is located.The house must not be luxury, i.e. registered in categories A / 8 and A79.Moreover, in the specific case of the first home bonus for young people, you need to have an income requirement. In particular, there must be an ISEE of less than 40 thousand euros. The concession should also be applicable to the purchase made by two people included in two different ISEE, which are each for an amount of less than 40 thousand euros, but together for a higher amount.If one of the buyers has the requisites and another buyer is instead without, the benefit is applied only to the part of the taxable value referable to the purchaser with the required requisites. The benefit is reserved only for “persons who have not yet completed thirty-six years of age in the year in which the deed is deed”. A textual reading leads us to believe that those who stipulate in 2021 must turn 36 from 2022 onwards and those who stipulate in 2022 must complete them from 2023 onwards. Thus, if Tizio stipulates in June 2021 and turns 36 in December 2021 he would not have the benefit, while those who stipulate in December 2021 and turn 36 in January 2022 would have it. The facility consists in the elimination of registration, mortgage and cadastral taxes (stamp duty, mortgage taxes and special cadastral taxes, for a total of 320 euros, remain to be paid). On the other hand, for those who buy from a company (ie in sales subject to VAT), registration, mortgage and land registry taxes will not be paid; Here too, the stamp duty, mortgage taxes and cadastral taxes (320 euros) remain to be paid. VAT must be paid to the seller, but the buyer accrues a (non-refundable) tax credit to be spent: – to pay registration, mortgage, land registry, inheritance and donation taxes due on deeds and reports submitted after the date acquisition of credit; – to pay the personal income tax due on the basis of the tax return to be submitted after the date of purchase; – to offset amounts due as withholding taxes, social security or welfare contributions or bonuses for insurance against accidents at work and occupational diseases. Mortgage bonus In addition to the tax discount on the deed of sale, the new legislation for under 36 also provides for concessions on the taxes to be paid on the mortgage. In particular, you will not have to pay the substitute tax and the registration, mortgage and stamp duties. Sanctions Anyone who requests the facility without being entitled to it undergoes the recovery of the ordinary tax increased by 30%. The house in the patrimonial fund can be foreclosed

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