Are you looking to open a mortgage during this period? With this bonus you will certainly succeed: request it now.
Opening a mortgage can require some commitment. To begin with, you need to have a good paycheck. And one must also hope that too many years will not pass before the final payment. Unfortunately it is not at all easy to manage: you need to have a certain amount of preparation. But all this can go unnoticed if you decide to request a particular bonus.
We are talking about rather interesting economic support. This measure was designed to help all those who decide to open a mortgage this year. By doing this they won’t have to worry about anything and will basically be able to sleep peacefully. Getting informed right now can be a good idea. Especially if you decide you want to save money during this period.
Fringe benefits, request them for mortgage management: all the advantages
The subsidy in question are i fringe benefits 2024. It’s not a real bonus in reality, but more of a tool for managing expenses. It refers to article 1, paragraph 16, of law no. 213/2023. It proposes a specific exemption from taxes and contributions for the value of the goods sold and the services provided. However, it is reserved only and exclusively for the figure of employee. Therefore it is not possible to request this financial support without the main requirement.
The limit is equal to 258.23 euros, but has now increased up to 1,000 euros. It becomes 2,000 euros for employees with dependent children. Furthermore, it represents the maximum exclusion value of employee income. The provisions also include the sums paid or reimbursed by the director. We are talking about those intended for the payment of domestic electricity, water and gas utilities. The situation does not change even for rent or mortgage interest.
In this regard, the Revenue Agency, with reference no. 5/2024, has specified a very important detail. Mortgage interest charges are refundable subject to the limits explained above. What matters is that the expenses are allocated to the worker’s main home. You will not be able to benefit from the tax deduction, to be reported in the Income Tax Declaration, in the case of a second home. This is everything you need to know when it comes to fringe benefits. It is best to use them as long as there is the possibility to do so, it is not a given that it will be proposed again next year.
