Loan For Home Improvement

The loan for the renovation of the house enjoys taxSpecial maintenance: replacing windows and heating
incentives for the restructuring of assetsinstallations, plumbing, electrical and sanitary, closed
The legislation on benefits for home renovation loanveranda or balcony for the construction of sanitation,
was launched for the first time in late 1997 to reviveconstruction of toilets; elevator installation, modification
the construction industry.and replacement windows, replacement reconstruction
The budget for 1998 provides for the taxpayer toof walls and fencing, construction, elimination or
recognize a tax deduction equal to 41% of the costsconsolidation of stairs, floor demolition and
incurred in 1998 and 1999 to a maximum of 77,468.53reconstruction, strengthening of structures.
euros per year for property tax, for maintenance,Restoration: complete renovation of the roof, and
refurbishment and restoration of heritage buildings: theaction for the elimination or prevention of situations of
tax benefit (except a small distinction on maintenance)degradation, construction of lifts and sliding gates,
is responsible for the efforts made in individualceiling, demolition and reconstruction of internal
apartments and for those on condominium commonstructures of a building.
areas.Building renovation: work to make a living roof, material
The budget for 2000 has also driven a number ofchanges to elevations and facades; conversion of loft
important legislative changes, beginning with thein the attic or establishment thereof, construction of
extension of the incentive and the reduction of thesupporting walls, construction of the attic, replace
deduction from 41 to 36% (accompanied, however,pitched roof with solar pavement; adjustment to a
reduced from 20 to 10% of VAT which are thenbasement dwelling demolition and restoration of walls,
placed on these performance measures for recovery)construction of balcony, opening new windows, the
The incentive environment: the need to protect theinclusion of scale, the inclusion of sanitation.
environment and defend the territory against the riskOTHER MEASURES ALLOWED TO BONUS
of geological instability is an ally in the tool taxBut the tax breaks do not stop at just the building
deduction.restoration works on private property or condo.
2002 admitted to the financial benefit of the recoveryCovered by Article 1 of Law 449/97 and even enjoy
of 36% of the cost interventions also made in 2002the deduction:
for the maintenance and preservation of forests.• expenses for services provided relating to the
More news for 2003operations of building renovation, including design;
• Tax benefits, as well as for building renovations,• expenditure on plant adaptation to current
the responsibility for rehabilitation work with asbestos,legislation, such as the Law 5 March 1990, No 46 for
and those useful to examine the static stability of theelectrical systems
buildings (the extent required by the recent serious• expenses for the construction of parking lots,
incidents caused by earthquakes);garages and parking spaces, even if common
• The amount allowed as a deduction can notownership;
exceed 48,000 euros• expenditure aimed at the elimination of architectural
• When the owners of the right to deduct their agebarriers, this term obstacles to the mobility of those
is not less than 75 or 80 years, the tax benefit can bewho have reduced or impaired motor skills
divided into five or three annual installments (usually• expenses for the actions of wiring buildings;
against the ten planned);• the costs of implementation of interventions aimed
BUILDINGS SUBJECT of Facilityat limiting noise pollution, as defined in Article 2 of Law
The deduction covers work done on buildings for447 of 1995;
residential, thus excluding the action taken on property• expenditure aimed at achieving energy savings. in
other than residential units.particular for the installation of renewable sources of
They are also allowed to deduct expenses incurredenergy;
for housing in rural and in the relevant housing (urban or• expenditure on earthquake measures, with a
rural areas that are) are commonly defined appliancesprevalence of those aimed at the securing stability of
cellars, attics and garages.buildings. The work must relate to the structural parts
WHO CAN 'deductof buildings or complex of buildings connected by
On paper, the audience of potential users of thestructural and, when referring to historic centers, must
measure shows that it can not be larger: The standard,be performed on a project basis and not on single unit
in fact, does not speak to property owners, insteadapartments.
referring to property held or owned.Since 2001:
First, it is a Subtraction from TAX (income tax,• adoption of targeted measures aimed at
individuals), recipients are only individuals, whetherpreventing the risk of potential wrongdoing by third.
resident or not it territory.The term "unlawful acts", it refers to the definition
Then, due to what mentioned above, are eligibleadopted by the legislature (theft, assault, kidnapping
assistance, as well as property owners, including:and other crime which leads to the implementation to
• holders of real rights of enjoyment on the sameovercome physical limits set to protect the rights legally
(usufruct, use, or home area);protected).
• occupiers of property under lease, loan or stateRegarding measures to prevent the completion of the
concession;acts (which involves taking the benefit of the deduction
• Members of cooperatives divided and undivided;of expensesincurred), it provides an illustrative list:
• members of partnerships;- Strengthening, replacement or installation of gates or
• Individual entrepreneurs, limited to properties thatfences walls of buildings;
are not among those instrumental or commodity.- Installation of grilles on the windows or their
The deduction, finally, it is also for those who performreplacement;
work on their own, limited only to expenses incurred- Doors or reinforced;
for the purchase of materials.- Placing or replacing of locks, padlocks, bolts,
What interventions GRANTEDpeepholes;
Law 449/97 accurately identify the interventions which- Installation of sensors to open and breakon windows;
are responsible for the deduction and identifies them- Installation of gates;
with assistance for the recovery of the housing stock.- Metal shutters with locks;
• Routine maintenance costs for the deduction is- Proof glass;
allowed only if incurred for the common parts of the- Wall safes;
condominium, unless these are not carried out- Cameras or cameras with centers connected
simultaneously with the work of maintenance.private security;
For example, the restoration of plaster and painting- Devices to prevent theft detectors and associated
have the discount if the tax were replaced at theunits.
same time the internal partitions, support elements• Interventions related to the execution of works
made of individual structural parts.intended to prevent the occurrence of domestic
EXAMPLES OF INTERVENTIONSaccidents.
Maintenance (only condoms) remake of the plaster,For example, this may involve the installation of
painting walls, ceilings and windows, both internal andequipment for detecting the presence of inert gases,
external locking door porch restoration, reconstructionthe installation of safety glass or installing handrails on
of interior flooring, interventions aimed at maintainingthe stairs.
efficient and integrate existing technology systems.