Fineco, the fintech bank, breaks the alignment of traditional banks and launches an offer that seems even spectacular to us in the field of credit acquisitions deriving from Superbonus, eco-bonuses, home bonuses and facade bonuses.
Here’s how he presents the offer on his website:
“Fineco is defining a solution to purchase all tax credits from its customers:
– those who will benefit from the so-called Superbonus
– those that provide for deductions with lower% (eg: renovation of facades or replacement of fixtures if not associated and driving interventions for Superbonus)
The credit deriving from the works carried out in 2020 and 2021 will be transferable and only resident and non-resident individuals, holders of Fineco1 current accounts, who have incurred the costs for carrying out the interventions that give the right to deduction, will be able to transfer it to Fineco.
The amount paid following the sale of the credit is calculated as a percentage of the nominal value of the tax credit transferred and varies according to the type of intervention.
The paid amount will be equal to:
105 euros for every 110 euros of tax credit purchased
for interventions relating to the Superbonus 110% with recovery in 5 years (equal to 95.5% of the nominal value of the accrued tax credit)
85 euros for every 100 euros of tax credit purchased
for interventions other than the Superbonus 110% with recovery in 10 years (equal to 85% of the nominal value of the accrued tax credit)
if the cost of the works is 100,000 euros and the tax credit is 110% (Superbonus) with tax recovery in 5 years, the equivalent paid by the bank is 105,000 euros
if the cost of the works is 100,000 euros and the tax credit is 80% with tax recovery in 10 years, the equivalent paid by the bank is 68,000 euros ”.
Currently, before Fineco, the most interesting offer was the one launched by Montepaschi, which offered 103 out of 110 for the Superbonus and 80 out of 100 for eco-bonuses, home bonuses. Posteitaliane also offers 103 but a real official offer is still awaited.
It will be interesting to see how the staid banking world reacts to this fintech super offer.