tag:blogger.com,1999:blog-29982187405646966812024-03-13T10:35:30.692-07:00INFORMACASANews e Aggiornamenti sul Mondo Immobiliare DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.comBlogger11125tag:blogger.com,1999:blog-2998218740564696681.post-14699647802913126882016-04-01T02:00:00.000-07:002016-04-01T02:00:02.080-07:00COMPRARE UNA NUOVA CASA CON GLI SCONTI FISCALI<div class="separator" style="clear: both; text-align: center;">
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Tra le tante novità emesse dal Governo nella nuova Legge di Stabilità la più interessante, per chi si appresta all’acquisto di un’immobile di nuova costruzione è sicuramente la detrazione Irpef legata al 50% dell’IVA pagata al costruttore per l’acquisto di un alloggio ad uso residenziale, a condizione che l’immobile rientri nella categoria di classe energetica A o B e venga effettuato entro il 31 Dicembre 2016. <br /><br />Ma non finisce qui perchè la detrazione, ripartita in 10 quote annuali di pari importo, non ha vincoli di destinazione a prima casa per cui ne potranno beneficiare sia le società che i privati già in possesso di abitazione principale. Tale agevolazione si rivolge anche all’acquisto di un immobile ristrutturato purchè l’acquisto avvenga direttamente da un costruttore (e quindi non da un privato) e che tale unità immobiliare abbia una categoria energetica di classe A o B. Ulteriore detrazione del 50% sul 25% del prezzo dell’abitazione viene applicata per acquisto di immobili sottoposti a ristrutturazione, restauro e risanamento conservativo. Inutile dire che, per chi è orientato verso una nuova abitazione, quest’incentivo è sicuramente la manna dal cielo che permette di abbattere sensibilmente i costi accessori dell’acquisto.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaZURD8EEPLSp8kmbr13xeJUK539I8Bsv8WDc2exuUK4xMJfUtK9n-dJSoAMgHIuBzXhH3xij1rvGc9rh33PCPW-2AKVNZoqnXDzIICUrAsRoKfdSq1seGWCLbTGGOQhEv824mePqN6Mk/s1600/cantieri.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaZURD8EEPLSp8kmbr13xeJUK539I8Bsv8WDc2exuUK4xMJfUtK9n-dJSoAMgHIuBzXhH3xij1rvGc9rh33PCPW-2AKVNZoqnXDzIICUrAsRoKfdSq1seGWCLbTGGOQhEv824mePqN6Mk/s320/cantieri.jpg" width="320" /></a><br />Ma la nuova legge di Stabilità non si ferma solo all’acquisto di case ad alta efficienza energetica, anche l’acquisto tramite leasing immobiliare permette di abbattere i costi di oneri e accessori purchè avvenga come abitazione principale. La detrazione Irpef si allarga al 65% per chi, entro l’anno in corso, acquisterà sistemi di domotica per il controllo e la gestione di impianti energetici. Entra in vigore, poi, il cosiddetto Ecobonus per l’istallazione di impianti di videosorveglianza o attraverso la stipula di contratti di vigilanza con società esterne. Altra importante novità riguarda l’imposta di registro per l’acquisto di abitazione residenziale che viene portata al 2% anche se, al momento dell’acquisto, si possiede già una prima casa, a patto, però che quest’ultima venga venduta entro un anno dalla data del rogito notarile.</div>
DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.com0tag:blogger.com,1999:blog-2998218740564696681.post-16537126171872570492016-02-16T02:31:00.000-08:002016-02-16T02:31:14.637-08:00SIMULAZIONE ON LINE PER MUTUI AGEVOLATI SUL PORTALE INPS<!--[if gte mso 9]><xml>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhnrs_Rq_klSRvf1HN7OwYA0F6sUjVNxJjXu88gPtNKGCvevPvpxbYAV9KCoqDJSUOL8ne6TNm-GlG6dZtWlZSZ84ojRFvTlWSUW7GUa1xvEdLt2N5VVEwtnZwvOc-juevApYLSvjr-vIA/s1600/assicurazione-sulla-vita.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="224" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhnrs_Rq_klSRvf1HN7OwYA0F6sUjVNxJjXu88gPtNKGCvevPvpxbYAV9KCoqDJSUOL8ne6TNm-GlG6dZtWlZSZ84ojRFvTlWSUW7GUa1xvEdLt2N5VVEwtnZwvOc-juevApYLSvjr-vIA/s320/assicurazione-sulla-vita.jpg" width="320" /></a>Il sito INPS.it ha recentemente attivato un interessante
servizio on-line per determinare in modo semplice e assolutamente gratuito una
simulazione di piano d'ammortamento per l'erogazione di un mutuo agevolato,
dedicato a tutti gli iscritti titolari di un contratto a tempo indeterminato a
ai pensionati iscritti da almeno un anno alla "Gestione unitaria autonoma
delle prestazioni creditizie e sociali". L'applicazione è accessibile
direttamente senza necessità di accesso tramite pin. Per andare direttamente
alla pagina e iniziare la simulazione dalla home del sito è necessario cliccare
su "Servizi On line", dalla colonna di sinistra andare su
"elenco di tutti i servizi" e selezionare "Gestione dipendenti
pubblici: simulazione piano ammortamento mutui ipotecari". Nella colonna a
sinistra potete cliccare su "simula piano di ammortamento" inserendo
successivamente l'importo da finanziare e selezionando, nell'apposita tendina,
il piano di ammortamento che si desidera testare. Nella tendina si presentano
due suddivisioni principali in "tasso fisso" e "tasso
variabile", per ogni tipologia è indicato il valore in percentuale e la
durata del mutuo (da 10 a 30 anni). Con il tasto "calcola" potremo
così visualizzare il piano nella sua interezza dove la prima colonna riporta
l'elenco delle rate mentre in quelle a fianco la quota capitale e la quota
interessi, capitale residuo, scadenza e importo della rata semestrale (31
Dicembre e 30 Giugno). La condizione per accedere ad un mutuo agevolato è
quella di non avere altri immobili sul territorio nazionale, il finanziamento è
possibile anche per la ristrutturazione dell'alloggio principale o per
l'edificazione di un box da adibire a pertinenza del sud</div>
detto alloggio.DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.com0tag:blogger.com,1999:blog-2998218740564696681.post-89485789110408123322016-02-03T03:06:00.000-08:002016-02-03T03:06:23.719-08:00LA CASA PASSIVA<div id="u707-2">
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;">Una casa
passiva (o Passivhaus secondo la certificazione svizzera) è un immobile
costruito con tecniche ecologiche che garantiscono una sensibile
riduzione, dei costi di costruzione, e dei consumi energetici. Generalmente è
in grado, attraverso il mantenimento di determinati valori, </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;">di garantire il
benessere termico senza che sia necessaria
l'installazione di alcun impianto di riscaldamento
di tipo "convenzionale", ovvero di una caldaia, termosifoni o
similari.</span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;">Durante la stagione invernale infatti le perdite di
calore per trasmissione attraverso l'involucro vengono quasi interamente compensate dagli apporti passivi di calore dovuti
all'irraggiamento solare attraverso le finestre e dal calore generato all'interno dell'edificio
dai suoi stessi occupanti e dalla dissipazione termica degli elettrodomestici. Da qui l'utilizzo del
termine "Passiv".</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipvnimIn19x523fWpLCNiR-L4Rl1ALxECtF29NAsN75OQxCYSMHy6pGSvpH9N9iKZQv6GA1KXEpIaD_mQJ1qdURaB7DzNU3YyLA_E6nOQsYT2sGmxi0rOx_8d6rg09eP_cdBCZtnXDUMw/s1600/passivhaus-1024x680-700x465.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEju4P4gjknB-jNrWa-4FWgWkmczyLkNktiC9DZH4hpxxFSYDkK959QSngxTteJGxruSA9cP503gmgYQPhfftfeJNwzQY42REi5EfFQMA2uHYFfQG5XnVdeYxtrkMk5aqT5iopLbipNRMRA/s1600/705px-Passive_house_scheme_1.svg.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="170" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEju4P4gjknB-jNrWa-4FWgWkmczyLkNktiC9DZH4hpxxFSYDkK959QSngxTteJGxruSA9cP503gmgYQPhfftfeJNwzQY42REi5EfFQMA2uHYFfQG5XnVdeYxtrkMk5aqT5iopLbipNRMRA/s200/705px-Passive_house_scheme_1.svg.png" width="200" /></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;">L'energia necessaria per pareggiare il bilancio
termico residuo della struttura viene in genere provvista attraverso sistemi non convenzionali
(es. pannelli solari o pompa di
calore per riscaldare l'aria dell'impianto di ventilazione
meccanica controllata con elevato recupero di calore). </span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;">Queste prestazioni si ottengono con una progettazione
molto attenta, specie nei riguardi del sole, con l'adozione di isolamento termico ad altissime prestazioni su murature
perimetrali, tetto e superfici vetrate e mediante l'adozione di
sistemi di ventilazione controllata a recupero energetico.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"> </span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; text-align: left;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;">I 5 punti fondamentali richiesti dallo standard Passivhaus sono:</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: left;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; text-align: left;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"> 1. Ottima protezione termica
di tutti gli elementi costruttivi
dell'involucro termico dal pavimento alle </span></div>
<div class="MsoNormal" style="line-height: normal; text-align: left;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"> pareti esterne fino al tetto;<br />
2. Finestre e portafinestre con
doppi/tripli vetri basso emissivi con un
elevato valore di fattore </span></div>
<div class="MsoNormal" style="line-height: normal; text-align: left;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"> solare g e telai molto ben
coibentati; accurata progettazione e controllo
degli apporti solari </span></div>
<div class="MsoNormal" style="line-height: normal; text-align: left;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"> passivi progettando accuratamente
le superfici finestrate, eventualmente differenziate per ogni lato </span></div>
<div class="MsoNormal" style="line-height: normal; text-align: left;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"> dell'edificio,
garantendo al contempo assenza di surriscaldamento estivo; <br />
3. Esecuzione a regola d'arte della protezione termica fino ai minimi
dettagli con riduzione al minimo di tutti i </span></div>
<div class="MsoNormal" style="line-height: normal; text-align: left;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"> ponti termici;</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: left;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"> 4. Tenuta all'aria degli
elementi costruttivi esterni verificata mediante
test di pressione Blower Door; </span></div>
<div class="MsoNormal" style="line-height: normal; text-align: left;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"> 5. Ventilazione controllata con
recupero di calore particolarmente efficiente
per evitare </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;">dispersioni di </span></div>
<div class="MsoNormal" style="line-height: normal; text-align: left;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"> calore e garantire al contempo un'idonea qualità di aria
interna.</span><br /><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;">
</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipvnimIn19x523fWpLCNiR-L4Rl1ALxECtF29NAsN75OQxCYSMHy6pGSvpH9N9iKZQv6GA1KXEpIaD_mQJ1qdURaB7DzNU3YyLA_E6nOQsYT2sGmxi0rOx_8d6rg09eP_cdBCZtnXDUMw/s1600/passivhaus-1024x680-700x465.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipvnimIn19x523fWpLCNiR-L4Rl1ALxECtF29NAsN75OQxCYSMHy6pGSvpH9N9iKZQv6GA1KXEpIaD_mQJ1qdURaB7DzNU3YyLA_E6nOQsYT2sGmxi0rOx_8d6rg09eP_cdBCZtnXDUMw/s320/passivhaus-1024x680-700x465.jpg" width="320" /></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IT;">I costi di una casa eccellente
in casa passiva o in classe A + sono
poco più alti rispetto ai normali edifici progettati e costruiti con metodologie convenzionali, infatti alcuni costi
di materiali sono compensati dal risparmio di energia, attrezzature, noleggi e mano d’ opera, t
uttavia, gran parte delle spese di un’abitazione riguardano la
successiva gestione di costi di mantenimento e riscaldamento, successivi alla fase di acquisto: è qui che la casa passiva
risulta senza dubbio più concorrenziale. Già solo l'eliminazione dell'impianto termico convenzionale
e dei relativi costi compensa il eventuali costi aggiuntivi, senza dimenticare che
il valore di edifici di questa natura mantengono inalterato il loro valore
nel tempo, giustificando eventuali investimenti aggiuntivi rispetto all’ edilizia tradizionale.</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-size: x-small;"><span style="font-family: "Times New Roman","serif";">(articolo realizzato grazie al contributo della
società Sport srl)</span></span></div>
<br />
DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.com0tag:blogger.com,1999:blog-2998218740564696681.post-69553177786748106772015-12-11T00:36:00.001-08:002015-12-11T00:36:32.765-08:00TAGLIO IMU E TASI PER CHI CEDE LA PROPRIA CASA AI FIGLI O GENITORI<!--[if gte mso 9]><xml>
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<div class="MsoNormal" style="text-align: justify;">
Tante sono le novità previste nella nuova Legge di Stabilità
che verrà introdotta nel 2016, di cui molte interessano la casa e la sua
tassazione, o meglio la sua non-tassazione, dal<span style="mso-spacerun: yes;">
</span>momento che il Governo Renzi ha annunciato un taglio significativo sui
balzelli che interessano le unità immobiliari identificate come "Prima
Casa". La più rilevante tra queste è la possibilità di non pagare IMU e
TASI anche nel caso l'immobile venga ceduto in comodato d'uso a parenti
stretti, una proposta che dal principio si pensava interessasse i proprietari
di seconde case ma che in realtà si presenta con tanto fumo e veramente
pochissimo arrosto. Nello specifico la proposta è soggetta a numerose
limitazioni che restringono ad un numero veramente esiguo i possibili beneficiari. </div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiiKe-Te4bg_y7DehHnU7vlW_jA1y9b06XCh6cjc9p76Tgp74PsWv2g8xmv8QjAbmI1dVEq2WDXfxCRhODP0x9HbjKekxlHn1OUebf0Q6cEdbQ01Zi8s2gFawlj3S7CQzzuHDyVuFUIYJw/s1600/IMU-TASSE.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiiKe-Te4bg_y7DehHnU7vlW_jA1y9b06XCh6cjc9p76Tgp74PsWv2g8xmv8QjAbmI1dVEq2WDXfxCRhODP0x9HbjKekxlHn1OUebf0Q6cEdbQ01Zi8s2gFawlj3S7CQzzuHDyVuFUIYJw/s320/IMU-TASSE.jpg" width="320" /></a>La casa infatti dovrà risultare abitata dall'effettivo proprietario fino al
2015, il quale in seguito a sua personale rinuncia al diritto abitativo, decide
di cederla a genitori o figli gratuitamente con contratto di comodato d'uso
registrato regolarmente. Inoltre il proprietario, non dovrà avere altri
immobili ad uso abitativo in Italia, nè dovrà acquistarne altri, pena la
rinuncia ai benefici prima casa. In pratica la persona in oggetto dovrà
andarsene a vivere in affitto lasciando la casa ai parenti più stretti. Si
capisce dalla descrizione dell'evento interessante l'assunzione delle
agevolazioni, che ben pochi potranno (o vorranno) trovarsi in questa condizione
per non pagare IMUe TASI. Ulteriore limitazione a quanto sopra è poi il fatto
che l'abitazione non deve essere classificata come immobile di lusso.
Fortunatamente la Legge di Stabilità prevede anche altro tipo di agevolazioni, come
la possibilità di ottenere una riduzione al 4 per mille sulla tassazione IMU e
TASI se l'immobile in oggetto viene affittato a canone concordato. Ulteriori
estensioni al taglio delle tasse sono invece al vaglio per quanto riguarda i
separati che abbandonano il tetto coniugale e vadano a vivere in affitto.</div>
DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.com0tag:blogger.com,1999:blog-2998218740564696681.post-43123913207031818982015-11-10T02:00:00.000-08:002015-11-10T02:21:13.819-08:00COME CONOSCERE I METRI QUADRI DELLA TUA CASA SUL WEB<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHM3Yf468wJUU07JRlS5_yAU12b2b7XNF4rwW2F8QXD-3RHH7rKSIdMshPVi0yW1s00lnxt1Fwf6p7IGBTN49EEnKto7eSi2XcezXzrA12Vqkq4SQU2d7_jDPMM0XOL5nNaZlEE-32FLQ/s1600/Renzi-tasse-sulla-casa.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHM3Yf468wJUU07JRlS5_yAU12b2b7XNF4rwW2F8QXD-3RHH7rKSIdMshPVi0yW1s00lnxt1Fwf6p7IGBTN49EEnKto7eSi2XcezXzrA12Vqkq4SQU2d7_jDPMM0XOL5nNaZlEE-32FLQ/s320/Renzi-tasse-sulla-casa.jpg" width="320" /></a></div>
<div class="MsoNormal" style="text-align: justify;">
<div class="MsoNormal">
Grazie all'ausilio di Sister,
portale dell'Agenzia delle Entrate, utilizzato moltissimo per elaborare visure
catastali degli immobili dei contribuenti, e attraverso l'identità fiscale dei
proprietari rilevata su fisconline, sarà possibile determinare, grazie al nuovo
sistema informatico realizzato nell'ambito della tanto annunciata riforma
catastale, la superficie delle unità immobiliari dei contribuenti, al lordo
delle aree accessorie e i metri quadri, utili nel calcolo del pagamento della
TARI, la tassa sui rifiuti. Per quanto riguarda invece TASI e IMU rimarrà in
essere il precedente calcolo basato sul numero di vani che determina la rendita
catastale, questo anche per formulare una verifica utile al riscontro e
all'esattezza dei dati riportati nell'imponibile di tasse come l'imposta di
registro o il reddito fondiario, posto ovviamente che la planimetria catastale
sia fedele allo stato di fatto dell'immobile interessato. Il nuovo sistema
online, disponibile a partire dai primi di Novembre interesserà tutte le unità
immobiliari urbane contrassegnate dalla lettera A (Residenziale e uffici) B (scuole,
Ospedali) e C (box, cantine, magazzini, laboratori, ecc.). </div>
</div>
DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.com0tag:blogger.com,1999:blog-2998218740564696681.post-29661889893076724252015-09-21T03:27:00.001-07:002015-09-21T03:27:20.040-07:00A FINE ANNO GIU' LE TASSE SULLA CASA? PROPOSTA FATTIBILE O SOLITA "ANNUNCITE"?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEib_gkaUUBc951lkm7fKWU7PKG3r-bZIhZLEYFSJU18JIRxh_LnfcVTZX0olZIml9Rhgg3J315VZOp_Psk-uJAZwHsmNrjblpKcSQhzCH9gGTxoYbrpTjbAoK1WLhHgCJo1b_HpA_4dbJA/s1600/Tasse.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="208" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEib_gkaUUBc951lkm7fKWU7PKG3r-bZIhZLEYFSJU18JIRxh_LnfcVTZX0olZIml9Rhgg3J315VZOp_Psk-uJAZwHsmNrjblpKcSQhzCH9gGTxoYbrpTjbAoK1WLhHgCJo1b_HpA_4dbJA/s320/Tasse.jpg" width="320" /></a></div>
<div style="text-align: justify;">
Ha fatto piuttosto discutere la recente dichiarazione del premier Matteo Renzi relativa al taglio delle tasse sulla casa, il cosidetto “funerale delle tasse più odiate dagli italiani” è stato fissato per fine anno e precisamente il 16 Dicembre. Pur essendo abituati ai prorompenti annunci che il Presidente del Consiglio rilascia periodicamente, stavolta la notizia ha lasciato il segno muovendo da destra e sinistra una serie di dubbi, perplessità e immancabili critiche dal mondo politico ed economico nazionale e internazionale. Nello specifico, il sopracitato funerale riguarderebbe il taglio di IMU e TASI sulle prime case, due tasse dalla gestione travagliata, nate sulla falsariga di un balletto politico che ha attraversato lo stivale in questi ultimi anni, tracciando un segno negativo sull’andamento del mercato immobiliare che, dopo periodi bui e tempestosi sembra in questo 2015 aver trovato finalmente la sua serenità. </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
La sensazione, a pelle, è proprio in virtù della sua fama così negativa, il balzello immobiliare sia diventato, dai tempi dell’annuncio dell’eliminazione dell’ICI da parte del governo Berlusconi, il punto di forza della politica nostrana, la svolta decisiva per ottenere voti e consensi elettorali, da qualsiasi parte si propenda. Di certo c’è solo che la casa, come bene ad alto rendimento, richiede una serie di servizi indispensabili che le amministrazioni locali erogano a fronte di una tassazione certa che proviene dal gettito immobiliare. Le tasse sulla casa, sono quindi una fonte irrinunciabile e necessaria affinchè i Comuni possano mantenere la qualità minima dei servizi. Questo cosa vuol dire? Sostanzialmente che se da una parte si mira a tagliare le tasse sulla casa, si fa solo un’operazione di facciata spesso fine a sè stessa, che dura per il solo periodo di campagna elettorale, ma destinato inevitabilmente ad essere ripristinato in breve tempo con interessi sempre maggiori. Si è tagliato l’ICI, che tutto sommato, non era una tassa così influente nelle tasche degli italiani, dopo qualche anno si è comunque attivata l’IMU che invece ha richiesto sacrifici più importanti. </div>
<div style="text-align: justify;">
<br /></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCWLLxb0hpDi531IEoavhvnNgvmBcYZLD5yl6LeHiN6c49MXoOmzetbYcA2WJEo2BWHlwstPJsjymLRHCYVRy8MapbnriV52qMqZD03J4anBjSHkBK4PF6b5FdFA0FqGf-KCvp7JABMBI/s1600/Matteo_Renzi_2014.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCWLLxb0hpDi531IEoavhvnNgvmBcYZLD5yl6LeHiN6c49MXoOmzetbYcA2WJEo2BWHlwstPJsjymLRHCYVRy8MapbnriV52qMqZD03J4anBjSHkBK4PF6b5FdFA0FqGf-KCvp7JABMBI/s320/Matteo_Renzi_2014.jpg" width="320" /></a></div>
<div style="text-align: justify;">
Dopo il taglio di quest’ultima (che rimane comunque vigente per le seconde case e gli immobili non adibiti a prima abitazione) si è attivata la TASI, che sommata alla stessa IMU rimasta in vigore, rappresenta un ben nutrito patrimonio tassativo per gli italiani. A fronte poi delle perplessità scaturite dalla Corte dei Conti, Bankitalia e UE in merito alla dichiarazione di Renzi, ci permettiamo di essere cautamente pessimisti riguardo alla tassazione immobiliare del prossimo futuro. Ovviamente speriamo tutti di pagare meno tasse anche per poter dare quel colpo di coda al mercato immobiliare che lo rilanci definitivamente. Certo in Italia il taglio delle imposte sembra più un gioco a chi la spara più grossa che ad un effettiva realtà prospettabile. </div>
DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.com0tag:blogger.com,1999:blog-2998218740564696681.post-90071503512631014672015-07-22T00:30:00.003-07:002015-07-22T00:30:43.183-07:00LA PLANIMETRIA CATASTALE<div id="u672-2" style="text-align: justify;">
La planimetria catastale è un disegno tecnico
dell’immobile contenente tutti i dati numerici, i contorni e la
suddivisione interna di un immobile urbano, così come disponibile presso
gli uffici catastali informatizzati.</div>
<div id="u672-3" style="text-align: justify;">
<br /></div>
<div id="u672-5" style="text-align: justify;">
Nella planimetria catastale sono indicati:</div>
<div id="u672-7" style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbxR91kU8T7PacMf_zy_xjWAOLFq8iZXXsbwbJ4aj3evPp220uisg4chrW_h6ZZN88l0j4U00XPG1IcO-6iSHOqlZHwv8eIV0-60yqjWVBVCzjp390rEF5SVO_4AApAb47A1Jd0h2YVuk/s1600/img_0796.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="251" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbxR91kU8T7PacMf_zy_xjWAOLFq8iZXXsbwbJ4aj3evPp220uisg4chrW_h6ZZN88l0j4U00XPG1IcO-6iSHOqlZHwv8eIV0-60yqjWVBVCzjp390rEF5SVO_4AApAb47A1Jd0h2YVuk/s400/img_0796.jpg" width="400" /></a>– il piano dell’immobile</div>
<div id="u672-9" style="text-align: justify;">
– le altezze interne</div>
<div id="u672-11" style="text-align: justify;">
– gli eventuali confinanti</div>
<div id="u672-13" style="text-align: justify;">
– la destinazione dei locali quali bagno</div>
<div id="u672-15" style="text-align: justify;">
– e altri ambienti accessori(ripostiglio, cucina etc..)</div>
<div id="u672-16" style="text-align: justify;">
<br /></div>
<div id="u672-18" style="text-align: justify;">
Le planimetrie catastali sono richieste soprattutto
prima della stipula di atti notarili, durante la fase dell’ acquisto di
un immobile da parte degli acquirenti oppure dei venditori. Inoltre
secondo quanto introdotto dalle modifiche introdotte all’art. 19, comma
14, del decreto legge n. 78 del 2010 dalla legge di conversione n. 122
del 2010 è stato introdotto l’obbligo di presentare la planimetria catastale aggiornata allo stato di fatto
dell’immobile oggetto della vendita. La planimetria catastale non ha
scadenza, se non il momento in cui ne viene presentata presso l’ Agenzia
del Territorio (denominazione moderna del cosiddetto catasto) una
aggiornata che va a sostituire la precedente. Spesso le agenzie
immobiliari chiedono al venditore la copia della planimetria
dell’immobile, con questo metodo si può capire se l’immobile ha subito
modifiche o meno rispetto all’originale. Infatti può accadere che nel
corso degli anni siano state apportate modifiche come, ad esempio, la
costruzione di una veranda sul balcone. Inoltre le gli istituti bancari
richiedono le planimetrie catastali da presentare e depositare al fine
di ottenere mutui bancari o prestiti che comportano ipoteche sugli
immobili.</div>
<div id="u672-20" style="text-align: justify;">
<br /></div>
<div id="u672-20" style="text-align: justify;">
(Tratto dall'area Servizi Tecnici del sito http://www.parametrocasa.it/servizitecnici/planimetria-catastale.html)</div>
<div id="u672-20" style="text-align: justify;">
Testi a cura dell'arch. Raffaella Cegna</div>
DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.com0tag:blogger.com,1999:blog-2998218740564696681.post-60086366789463308522015-07-16T01:05:00.001-07:002015-07-16T01:05:59.275-07:00L' AGENTE IMMOBILIARE DEL FUTURO<div data-mce-style="text-align: left;" style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEib9Ebd9oaHIBhUFcGEiMOXOs4m0auF7HuJoJPXb8-zM77In0zhPXU3BiLyGo309YcKyXzexv6A7-jIbVHxkOYd-puHNSKwbmyr1_Z9wrKefiN9EObTIcHZmk0jVH97dDPiOEI7yJW-32U/s1600/photodune-1930956-young-businessman-navigating-in-virtual-reality-interface-m.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="313" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEib9Ebd9oaHIBhUFcGEiMOXOs4m0auF7HuJoJPXb8-zM77In0zhPXU3BiLyGo309YcKyXzexv6A7-jIbVHxkOYd-puHNSKwbmyr1_Z9wrKefiN9EObTIcHZmk0jVH97dDPiOEI7yJW-32U/s400/photodune-1930956-young-businessman-navigating-in-virtual-reality-interface-m.jpg" width="400" /></a>Sono proprio le belle giornate di sole quelle dove i giovani aspiranti agenti immobiliari escono in zona. Voi
forse non li notate, sono ragazzi alti e ben pettinati con dei completi a
volte troppo grandi per il loro fisico acerbo ma sempre puliti e
ordinati. In zona parlano con i custodi, con gli anziani affacciati alla
finestra, con le donne delle pulizie e con i negozianti, cercano
cercano cercano....cosa? Immobili da vendere, le cosidette notizie,
sopratutto quelle fresche, non ancora definite, il che significa
proprietari di casa che ci stanno ancora pensando, a vendere. Che magari
sono lì lì o ci fanno un pensierino ma non sono ancora entrati in un
agenzia a chiedere una valutazione. E sono proprio loro gli obiettivi
più gettonati dai nostri futuri agenti, perchè sono quelli a cui
chiedere l'incarico in esclusiva, in ogni caso clienti da seguire, da
gestire. Non sono ancora proprietari incattiviti perchè magari hanno
messo il cartello "vendesi" con l'unico risultato di essere tampinati da
tutte le agenzie di zona, sono clienti buoni e quindi più difficili da
trovare. E quindi per cercarli bisogna trottare, di palazzo in palazzo,
parlando con tutti, socializzando all'esterno dei social per ritrovare
l'umanità persa davanti allo schermo di un computer. Ai tempi di
facebook, la zona rappresenta una delle tradizioni più antiche
dell'agente immobiliare, forse la promozio</div>
ne personale più faticosa, ma
di certo quella più appagante. Mi chiedo dunque come sarà l'agente
immobiliare del futuro? Farà ancora zona, parlerà con i commercianti, i
portinai, vivrà il cuore del suo quartiere o si chiuderà in ufficio a
schiacciare un tasto e ad aspettare che la vita entri in ufficio senza
per forza andarsela a cercare in strada?<br />
<div data-mce-style="text-align: left;" style="text-align: justify;">
L'ideale
come tutte le cose della nostra professione, è la capacità di mediare
tra vecchi strumenti e quelli nuovi, trasmettere alle nuove generazioni i
segreti di un mestiere vecchio di millenni e costruire con loro tutte
le strategie che ci permettono di restare al passo con i tempi. Non si
chiude mai una porta per aprirne un'altra, meglio lasciare aperte
entrambe che gira più aria!</div>
DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.com0tag:blogger.com,1999:blog-2998218740564696681.post-87132128292428721852015-07-15T05:55:00.000-07:002015-07-15T05:55:02.774-07:00COS'E' IL RENT TO BUY<!--[if gte mso 9]><xml>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizc8u617Dmtcd5jYDkcf-cSfPv72q7eMgrlkW3S4KmrYaTNnXonJM4BhTQ4OBMQ2730S-jA8hkQ9T8RAqdo392CJtV_rEnXI8qkI7Gy8rKUnJXm48uK9PUZPbFPAqrsJgDjfE0lKb850o/s1600/rent_with_option_to_buy_real_estate.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="265" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizc8u617Dmtcd5jYDkcf-cSfPv72q7eMgrlkW3S4KmrYaTNnXonJM4BhTQ4OBMQ2730S-jA8hkQ9T8RAqdo392CJtV_rEnXI8qkI7Gy8rKUnJXm48uK9PUZPbFPAqrsJgDjfE0lKb850o/s400/rent_with_option_to_buy_real_estate.jpg" width="400" /></a>Introdotto in Italia solo da
pochi anni, il RENT TO BUY è una formula di acquisto immobiliare già molto in
voga nei paesi anglosassoni ottenendo un notevole consenso da parte sia degli
operatori del settore sia da parte della clientela venditrice e acquirente. Il
segreto di questa formula è l'estrema flessibilità con cui si sviluppa nel
tempo, permettendo all'acquirente un acquisto dilazionato ma un immediato
godimento del bene in oggetto. In pratica la formula Rent To Buy prevede che il
canone di locazione sottoscritto dalle parti sia anche considerato acconto
prezzo sull'importo pattuito, ecco quindi che il contratto diventa un mix tra
il preliminare di compravendita e un vero e proprio contratto di locazione di
durata non superiore ai 10 anni e generalmente concordato in 3 anni allo
scadere dei quali il conduttore/acquirente prende possesso dell'immobile
attraverso il saldo dell'importo ancora da pagare e il conseguente rogito
notarile.</div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
VANTAGGI</div>
<div class="MsoNormal" style="text-align: justify;">
Molteplici sono le prospettive
offerte dal Rent To Buy, innanzitutto la possibilità di dilazionare i pagamenti
senza dover necessariamente accendere un mutuo nella fase iniziale, rimandando
esborsi importanti oltre alle conseguenti imposte relative all'acquisto.
Inoltre l'acquirente può mettere in vendita il suo vecchio immobile dopo aver
stipulato il contratto evitando così patemi d'animo legati a tempistiche di
vendita troppo lunghe e senza subordinare la stessa all'acquisto. L'acquirente
può inoltre testare sin da subito il proprio acquisto e qualora subentrino condizioni
che gli impediscano di concludere l'affare al rogito, può a sua volta cedere il
contratto ad un terzo soggetto senza costi notarili. Per il proprietario questa
formula permette di vendere più velocemente e vedersi costruire sopra
l'immobile una piccola "rendita" temporale pur rimanendo comunque
proprietario del bene. In particolar modo questa formula risulta
particolarmente conveniente per i costruttori ai quali permette di sopperire al
problema (sempre più frequente) degli alloggi invenduti che andrebbero nel
tempo a snaturarsi e perdere di valore.</div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
NORME</div>
<div class="MsoNormal" style="text-align: justify;">
Il Rent to Buy si può applicare
tranquillamente a qualsiasi tipologia immobiliare, dall'appartamento fino al
terreno edificabile siano essi ultimati o da edificare. Questa forma
contrattuale viene regolamentata dal<span style="mso-spacerun: yes;"> </span><b>art.
23 del d.l. n. 133/2014</b> (decreto “<b>Sblocca Italia</b>”), rubricato “<i>Disciplina
dei contratti di godimento in funzione della successiva alienazione di immobili</i>”,
che si riferisce ai: “ <em><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">contratti diversi dalla </span></em><a href="http://www.studiocataldi.it/guide_legali/locazioni/la-locazione.asp"><em><span style="color: blue; font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">locazione</span></em></a><em><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;"> finanziaria che prevedono l’immediata
concessione del godimento di un immobile, con diritto per il conduttore di
acquistarlo entro un termine determinato, imputando a corrispettivo del trasferimento
la parte di canone imputata nel contratto”.</span></em></div>
<br />
DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.com0tag:blogger.com,1999:blog-2998218740564696681.post-29780905381544512642015-07-02T00:33:00.000-07:002015-07-02T00:33:00.267-07:002015 IL MERCATO RIPARTE........E GLI ITALIANI RISCOPRONO LA CASA!<!--[if gte mso 9]><xml>
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GRANDI ASPETTATIVE</div>
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<br /></div>
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Il sostanziale abbassamento dei prezzi delle case, unito a
un deciso ridimensionamento dei tassi di interesse sui mutui bancari porterà a
fine 2015 interessanti risvolti positivi riguardanti il mercato immobiliare.
Partendo dal presupposto che per l'italiano medio il mattone ha ancora un forte
appeal sia per quanto riguarda la necessità abitativa sia per quanto riguarda
una fonte importante di investimento, possiamo ragionevolmente supporre che il
2015 sarà finalmente considerato l'anno della ripresa, anche in relazione della
chiusura positiva registrata a fine 2014 con un +1,6%. </div>
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<br /></div>
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I PREZZI SI ABBASSANO ANCORA</div>
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<br /></div>
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Non si placherà nemmeno la discesa dei prezzi che, a livello
nazionale, hanno subito un'inflessione del 2,9% senza però raggiungere il punto
negativo massimo che segnerà invece una generale stabilità dei valori indicati.
Per gli acquirenti che dispongono di capitale è sicuramente un buon momento per
comprare, potendo attingere anche da prodotti bancari di sicura appetibilità
oltre che da nuove formule di acquisto come, ad esempio il RENT to BUY.
Ovviamente la spinta decisiva potrà venire esclusivamente dal governo, dal
momento che il principale ostacolo alla ripresa è senza dubbio l'elevata
tassazione ancora in vigore sul mattone.</div>
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I PRIMI DATI 2015 SONO POSITIVI</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihdInwFoEEB5N3rK5GTtfyfHIjH74XVyrrqsyvJw2Yn6cqckN1mCAMyyRZku8S8z97hkxhRw_AzbJdWiYefA1Uxl_qjxQNFRWERtZOBFCwYcbxrzNxHXZbPBMJF5qb8pBnWA1N3bpyNC8/s1600/affitto-riscatto1.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="267" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihdInwFoEEB5N3rK5GTtfyfHIjH74XVyrrqsyvJw2Yn6cqckN1mCAMyyRZku8S8z97hkxhRw_AzbJdWiYefA1Uxl_qjxQNFRWERtZOBFCwYcbxrzNxHXZbPBMJF5qb8pBnWA1N3bpyNC8/s400/affitto-riscatto1.jpg" width="400" /></a><span style="mso-spacerun: yes;"> </span>Impressionante è il
rilievo statistico relativo alle richieste di mutui, registrato a fine Aprile
con un + 72% rispetto all'anno precedente mentre si riscontra, nei primi tre
mesi dell'anno, che effettivamente c'è stato un timido aumento sul numero di
compravendite registrato un +0.8% che, seppur modesto, rappresenta un grande
passo avanti dopo quei sette anni di rilevazioni negative che hanno segnato il
mercato immobiliare italiano. Tutto questo, lo ricordiamo, nonostante la
pressione fiscale sia in continuo aumento con quasi il 10% in più che il
mattone ha dovuto affrontare dal 2013 al 2014.</div>
DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.com0tag:blogger.com,1999:blog-2998218740564696681.post-32535256738615428962015-06-15T01:57:00.001-07:002015-06-15T01:57:29.840-07:00CRESCE LA VOGLIA DI MUTUO <div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrgKyLMtPISvdm-GrU0hy8o4RWBbzDc-ZTPMEJgzghl0W8PRilKbS4fSG6kvZS5PkzPwZZWbLLuXEa1ryzzKZPXF90v89BNGALTT0FZD0z6KrBWRP0e0C76z0GZmtZLqgxA4uJT4kiqHQ/s1600/compravenditacasa_0.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="265" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrgKyLMtPISvdm-GrU0hy8o4RWBbzDc-ZTPMEJgzghl0W8PRilKbS4fSG6kvZS5PkzPwZZWbLLuXEa1ryzzKZPXF90v89BNGALTT0FZD0z6KrBWRP0e0C76z0GZmtZLqgxA4uJT4kiqHQ/s400/compravenditacasa_0.jpg" width="400" /></a></div>
<div style="text-align: justify;">
<b>DATI CONFORTANTI </b>Quelli che fuoriescono dal Barometro CRIF della domanda di mutui da parte delle famiglie italiane nel mese di Febbraio 2015 sono dati incoraggianti sopratutto se rapportati allo stesso periodo del 2014. La richiesta di mutui è salita in maniera considerevole raggiungendo una percentuale pari al 38,7% in più rispetto allo scorso anno. <br /><b>AUMENTO COMPRAVENDITE</b> Dati che se aggiunti all’aumento di compravendite previsto entro la fine del 2015 possono senz’altro farci sperare in un parziale ridimensionamento della crisi che ha attraversato il mercato immobiliare in questi ultimi anni. La curva analizzata a partire dal 2009 vede una netta risalita del desiderio di finanziamenti dopo il disastroso picco negativo raggiunto nel periodo 2011-2012 con un importo medio richiesto di 124.175 che s’inserisce nella fascia dei 100-150.000 euro di importo richiesto, oggi in risalita al +1,9%. </div>
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<u><b>Cresce anche l’età media dei richiedenti </b></u>che si posiziona nella fascia dei 35-44 anni, segno anche che è cambiata l’età media di chi, oggi, si avvicina per la prima volta all’acquisto della prima casa. Sintomo inequivocabile di quanto sia difficile oggi ottenere un lavoro stabile, un buon rendimento economico e il desiderio conseguente di mettere su famiglia a 20/30 anni. Cambia l’età in cui si esce di casa per trovare l’agognata indipendenza e si mette su famiglia più tardi rispetto che al passato, tutto questo incide inevitabilmente sulla durata dei mutui richiesti, la quale, complice anche una certa insicurezza economica percepita, aumenta di posizione nella fascia dei 10-15 anni di durata del finanziamento. </div>
DOTTOR SATANAhttp://www.blogger.com/profile/08710930923330797730noreply@blogger.com0