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Superbonus: The government proposes a broader credit transfer

2022-06-30T16:09:46.490Z

Banks will be able to sell to all 'non-consumer' customers (ANSA) Banks and companies belonging to banking groups will be able to "always assign credit to subjects not falling within the definition of consumers or users", who "have entered into a current account agreement with the same transferring bank": the amendment on the transfer provides for this of the Superbonus credits deposited by the Government, and under discussion in the Budget and Finance committee



Banks and companies belonging to banking groups will be able to "always assign credit to subjects not falling within the definition of consumers or users", who "have entered into a current account agreement with the same transferring bank": the amendment on the transfer provides for this of the Superbonus credits deposited by the Government, and under discussion in the Budget and Finance committees of the Chamber which will now be able to present the sub-amendments.

The change, reads the explanatory report, "exceeds" the legislative decree of May 17, 2022 according to which banks could only sell to "professional customers".

Workers at work on a construction site

 "I think a solution must be found", says the Minister of Labor, Andrea Orlando, of the risks for businesses and employment linked to the impact that an abrupt stop to the superbonus would have.

"You can make a gradual and soft exit from this instrument which has also produced many problems but I believe that a drastic interruption risks creating a series of unfinished ones that are not in anyone's interest", he explains to 'A sheep's day' on Rai RadioUno.

And answering a question on the position that appears to be more rigid than Prime Minister Mario Draghi and Economy Minister Daniele Franco, Orlando says: "I think a solution will be found".

The Minister of Labor Andrea Orlando

The Banking Commission launches an investigation into the assignment of building bonus credits.

"Following numerous reports and complaints received, - announces a note - the Bureau of the Parliamentary Commission of Inquiry into the banking and financial system has resolved to send a questionnaire to the main national significant banks to verify the operation of the Italian banking system . The fact-finding investigation launched concerns the credits relating to the Superbonus 110% and other bonuses subject to the regulations that have followed one another in recent years ".

Meanwhile, Confartigianato reports

that with 5.2 billion 'stranded' in the tax drawers, of which 71.2% for the superbonus and 28.8 for the other building bonuses, their non-collectability would cost the loss of 47 thousand employees in the micro and small businesses.

"By completing the questionnaire,

the 11 significant national banks

(Intesa Sanpaolo, Unicredit, Banco Bpm, Iccrea, Mediobanca, Cassa Centrale Banca, Bper, Monte dei Paschi, Credem, Banca Popolare di Sondrio, Banca Carige)

plus Cassa Depositi e loans and the post office

must provide data and information on a quarterly basis on the acquired credits by 11 July, reporting, for example, the number of requests received, canceled and disbursed as well as the discount rates applied and the timescales recorded ", explains the President of the Commission, Carla Ruocco.

"Thanks to the active reporting system at the Banking Commission, - he continues - we found

a significant worsening of the discount rates applied to the assignment of loans and a strong reluctance on the part of banking institutions to accept the files presented.

We therefore considered it essential an in-depth study of the phenomenon. The objective is to monitor and carefully examine the procedures put in place for the disbursement of credit, including those for calculating interest rate thresholds. I am sure that this investigation will be decisive for photographing the current situation and launching specific hearings or legislative proposals in Parliament ".

By calculating the risks on the employment front, Confartigianato observed that with the blocking of the assignment of loans, "the increase in employment created in the construction sector in the last year would be reduced by 40%".

A "paradoxical and self-defeating" fact, warned the president Marco Granelli.

"The freezing of credits, the continuous regulatory changes regarding building bonuses and the government's will not to extend the super bonus - highlights the confederation of artisans and small businesses - affect precisely the only sector which, also thanks to these support measures , has restarted the labor market in the last two years. In fact,

between the first quarter of 2020 and the first quarter of 2022, construction registered an increase of 176 thousand employees

, in the face of the general decline in workers in services (-106 thousand), in manufacturing (-41 thousand), in agriculture (-50 thousand).

At the territorial level, the greatest increase in employment in construction was recorded in the South, with 101 thousand more employees in the last two years, followed by the growth of 71 thousand employed in the North West ".


Source: ansa

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