Acquisto seconda casa e mutuo
It's not often that you have capital to invest, but, if you want to do it looking for a more or less stable income and better than that offered in the present by the various financial products, you can think of buying a second home to rent and make income . A choice made by more and more people, but not painless. Let's see in particular what the expenses and conditions of a mortgage for the purchase of a second home are.
The costs for a second home
It is necessary to take into account the fact that a second house is not considered a necessary but accessory good, almost a luxury; from this point of view, the expenses for a house that is not a main residence (ie the building where one has residence, or where one has a family member) are greater. In particular, the Imu and the Tasi, abolished for the first houses, are instead paid for second homes, even if in some cases they are reduced rates. The costs for electricity and gas can also be increased by more than 30% compared to bills related to the main house.
In addition, the possible change in income tax should be considered determined by the rent income if you do not opt ??for the dry coupon, which involves the separation of income from rent from personal income and allows you to avoid paying stamp duty and stamp duty. Other expenses will then be linked to the maintenance or renovation of the property, all tasks that belong to the owner of the house.
Even at the time of purchase the parcel of the notary will be higher, as well as the registration tax (at 9% instead of 2%), the cadastral and mortgage taxes or VAT at 10%, which replaces the tax of registration in case of purchase from a seller who has finished the work for less than five years. VAT that rises to 22% if the house is classified as luxury.
The mortgage for the second home
As for the mortgage to buy the second home, this is taxed at 2% instead of 0.25%, rate that affects the mortgage for the first house. Furthermore, the conditions offered by banks are generally less advantageous in the case of the purchase of a second home: starting from the bank spreads that are generally higher (both on the loan and on the annexed policies, as well as on expertise costs, etc.). to end with durations, limited to a maximum of 30 years, and with the loan-to-value, which does not exceed 60% (it reaches 80% for the first houses).
The conditions required for the loan to be granted by the banks are more stringent if the prospective borrower already owns a house: the installment of the loan, for example, can not exceed one third of the monthly salary. Moreover, it is not possible for the purchaser to enjoy the possibility of downloading the interest expense of the loan installments into the tax return.
Condividi l'articolo
