Home Business Superbonus 110%: Poste, Cdp and Banco BPM suspend the credit assignment

Superbonus 110%: Poste, Cdp and Banco BPM suspend the credit assignment


It becomes more complicated to obtain the Superbonus at 110%, the maxi tax break introduced by the Relaunch Decree which intervenes on real estate assets. The previous legislation established that the tax credit could be assigned an unlimited number of times to any person. The beneficiary could transfer his credit to the company carrying out the redevelopment interventions, which in turn could transfer it to his own bank or to another person.

The Draghi government has decided on a squeeze against cunning, decreeing the possibility of transferring the credit, one of the alternatives to the deduction in the tax return together with the discount on the invoice, once only. The aim is to avoid multiple transfers which most of the time hide a fraudulent purpose.

Superbonus: squeeze on credit transfer

Article 26 of the Sostegni ter decree provides for the blocking of the multiple transfer of tax credits. Same thing for him discount on invoice: taxpayers who carry out works that can be facilitated with the Superbonus at 110%, can sell their tax bonus and see the cost of the subsidized intervention reduced. From that moment on, that is, from when the discount is transformed into a tax credit for the company, the new restriction of a single transfer is triggered.

For the credits already subject to assignment on February 7, it will be possible to proceed with only one further transfer. Contracts that violate the new rules will be considered null and void.
As stated in the draft, the receivables that as of February 7, 2022 have already been the subject of assignment or of the discount on the invoice, can “only be the subject of a further assignment to other subjects, including credit institutions and other intermediaries financial “, within the established terms.

Stop the sale: Poste, CDP and Banco BPM

If the purpose of the new legislation is undoubtedly commendable, in fact, however, it is all taxpayers who lose out. This is because in many companies and banks they are failing the possibility offered up to now to request the assignment of credit. The first was Cassa Depositi e Prestiti which closed the credit transfer service in construction. The public limited company controlled by the ministry of economy will no longer carry out the Building Bonus service launched about a year ago.

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Later it was Italian postto have closed the online platform that allowed taxpayers to request the assignment of credits relating to the tax bonuses provided for by the Relaunch decree, including the Superbonus 110%the Ecobonus and the Sismabonus and other incentives such as the facade bonus and the renovation bonus.

The platform for the assignment of the credit of Poste Italiane has become inactive but the group has not yet communicated whether it is whether the assignment of the credit is blocked temporarily or permanently. And now it’s Banco Bpm’s turn.

In light of the limitations on the number of assignments of tax credits, contained in the Dl Sostegni Ter – explains the Milanese group led by Giuseppe Castagna – Banco Bpm has temporarily suspended the acquisition of new practices from individuals, condominiums and companies that apply the discount on the invoice, pending adaptation of its service model to new legal provisions and resume operating with customers. In the meantime, the finalization of the practices with tax credits already accrued and transferable in compliance with the deadlines set by the Decree continues, and the acquisition of tax credits from the aggregators who operate through a discount on the invoice. In any case, the objective is to limit, as far as possible, the impact on its customers “.

Surely many other banks will follow suit in an avalanche Poste, CDP and Banco BPM.

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It must be said, however, that some banking institutions have nevertheless confirmed their intention to continue in their activities: these include Unicredit, Intesa Sanpaolo and Finecobank. As reported by Il Giornale, Unicredit confirmed that it is in step with the standard “updated – specifies the institute headed by Andrea OrceL – and adapted to the most recent regulatory changes of the credit transfer service deriving from building bonuses for purchases through the bank channel“. “We have not stopped the assignment of credits. We continue with the support to businesses, SMEs and families – underlines al Courier service the Institute headed by Carlo Messina, Intesa Sanpaolo – adapting our process to the regulatory changes that are gradually coming“.

Thus politics tries to put a piece of it and the parties are preparing to modify the Sostegni-ter in the Senate by introducing a multiple assignment of credit. The Democratic Party – but also other parties such as the M5S – is preparing its amendment that reshapes the government’s anti-fraud rule in order to allow a double assignment of credits.

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