Deductions on the first mortgage on the house
by admin on 16/11/08 at 7:24 pm
Young newly-weds looking for home, which does not cost too much, given that already the loan is part of! The announcement would be ideal for those who, in preparation for the family, I intend to buy an apartment for his dream.
Just for a little cushion the costs of the loan, there are some deductions that provides the state, to raise the pressure of debt.
In particular facility for a first home loan includes:
- Registration tax with a reduction to 3%.
- Mortgage tax and cadastral tax reduced to flat-rate € 168.20
- IRPEF deduction applies to interest payable to the extent of 19% and a maximum of 3615.20 per year.
Not everyone can have such benefits on the loan for the first home. Are the minimum requirements necessary to be able to access?
- The individual or neither of the spouses must have a house or the rights / ownership of shares on other homes.
- The dwelling shall not exceed the 160mq and should not have a height of more than 3.30 m. If you do not respect these parameters could be considered luxury as if there are floors or coating materials, or if there are tennis courts, football, swimming pool and the like.
- The dwelling must be purchased in the same municipality of residence or you have 18 months to place it after the purchase of the house.
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