Aspetti Fiscali dellai??i?? Accensione di un Mutuo

Categorie: Mutui

Quando si accende un mutuo non si possono evitare di considerare gli aspetti fiscali legati a questa scelta, vediamo insieme di cosa si tratta e quanto pesano sul portafogli del contraente.

Tanto per iniziare, la banca trattiene una parte della somma finanziata, agendo in sostituzione dellai??i??ufficio delle imposte e versandolo successivamente ad esso.

Lai??i??aliquota applicata A? dello 0,25% se si tratta di prima casa, altrimenti si arriva al 2%. Vale comunque sempre la pena verificare questi dati ed eventuali sgravi fiscali che fossero disponibili per categorie particolari di contribuenti.



Infatti, giAi?? regolarmente, la legge prevede che vi sia una certa detraibilitAi?? riguardante interessi passivi e spese nel caso in cui si riferiscano a contratti per abitazioni principali.

Esiste comunque un limite massimo di detrazione, che viene fissato a circa quattromila euro per un rimborso che puA? arrivare, al massimo, a 760 euro allai??i??anno. Non ci sono variazioni neppure nel caso in cui il mutuo sia cointestato. Per costruzione o ristrutturazione, invece, gli importi presi in considerazione sono piA? bassi e scendono a poco piA? della metAi??, attestandosi intorno ai 2500 euro per ciascun annualitAi?? dai??i??imposta.

Se, perA?, si supera il tetto massimo per la detrazione, non sono consentiti recuperi nellai??i??anno successivo: occorre quindi fare attenzione e ottimizzare i benefici fiscali, qualora possibile, stipulando il mutuo sul finire dellai??i??anno, ottenendo cosAi?? una detrazione piena sugli interessi passivi maturati nellai??i??anno seguente.

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