Friday, February 25, 2011

Kates Playground Strawberrys

The changing housing plan for restructuring

Novità per la Legge Nazionale

La nuove norme region­ali sono da emanare entro il 31 dicem­bre, sono ammessi anche gli edifici condonati.
I con­tenuti della bozza di decreto legge pre­sen­tata al Con­siglio dei Min­istri dal Min­istro Calderoli si pos­sono così sin­te­tiz­zare: riqual­i­fi­cazione urbana, cambi di des­ti­nazione d’uso, delo­cal­iz­zazioni e sos­ti­tuzione edilizia con premi volume.

is thus returned to the theme "Housing Plan", providing some simplifications in the areas of housing and urban planning.

The draft proposes the idea of \u200b\u200ba central housing plan, regulated by the national legislation with the aim to act as a framework law on regional laws to be adopted by December 31, 2011.
The regional standards adopted are not based on a simple agreement, but a state law and should encourage the regeneration of degraded areas by providing additional volumes, the relocation of buildings in different areas and inadequate modifications of the gauge to harmonize architecture.

The interventions should be excluded properties abusive and those located within the historic centers or in areas absolutely Guaranteed clear.
are allowed but condoned or buildings for which applications have been submitted to rectify the situation within the time limits dal DL269 /2003. In ogni caso, la bozza di legge quadro impone il rispetto degli stan­dard urbanistici.

Ammesso anche il cam­bio di des­ti­nazione d’uso degli immo­bili, purché gli uti­lizzi siano tra loro com­pat­i­bili o com­ple­men­tari. E inoltre, in attesa dell’approvazione delle leggi region­ali, ai sensi del Dpr 380/2001, potrebbe essere rilas­ci­ato il per­me­sso di costru­ire in deroga anche per i cambi di des­ti­nazione d’uso.
I Comuni, inoltre, pos­sono prevedere che il rilas­cio del per­me­sso building for residential noise independently of this report.
And finally, according to the decree Calderoli, approval of implementation plans passed by the powers of the City Council, which already approved the general development plan, to those of the Executive.

Source: Penthouse

Nuclear Structure Wigner Djvu

Mortgages: How

Many requests to banks

In times of crisis, like the current one, who can not afford to purchase a new property, often opt to restructure what he has.
When it comes to loan you immediately think of buying the house, but not always the case. Mutui.it online portal that lets you choose the loan to those offered by the Educational Institutions under various credit, has announced details of an analysis that took into consideration the required funding by the Italians not to buy, but to restructure their homes.
The site has reviewed more than 60,000 loan applications in the restructuring, and discover things rather curious.
First of all, the person who signs a loan for the restructuring generally cautious: in 44% of the cases he prefers fixed rate, while only 35% of the sample choose variable rate.
Who needs this type of financing is also young enough (he has an average of 42 years), an undertaking to the creditor institution for more than 20 years (22.5 on average) and asks for a loan of 142,000 €, equal to slightly less than half the value of the property that it intends to restructure (49.6%).
But how do I apply for a loan for the renovation?
First we must say the loan for the renovation, you can use the funds obtained to restructure both the interior and the exterior of a house.

Then to start the work must be delivered to the City, in which the property is located, the Declaration of Top Jobs (DIA), signed by an authorized and gather cost estimates on all interventions restructuring that intend to pursue.
The loan for the renovation of up to 80% of property value and the great advantage of this type of mortgage is that the value of the property taken as a reference is not present, but that that the house will reach a conclusion of the renovation work.

To request a loan for restructuring the bank, you must attach the usual documents required for loans for home purchase, including:
- for routine maintenance: estimate of the firm or the licensed professional who will carry out the renovation works;
- for unplanned maintenance: estimate, project construction and DIA (Declaration login);
- for renovation with large construction works: quote spending, building permit and, if due, the contribution of construction.

Source: Mutui.it

Siarczan Miedzi Sadza

Who can now afford to buy a house

Who has real purchasing power in real estate

Very often the statistics on the preparation of Italian families to buy a house based on they want but not on those who are their real possibilities.

A joint study by the Bank of Italy, ABI and ISTAT, it helps to understand who really can buy homes, according to their available resources.
The study was considered the so-called index affordability: that corresponds to the real capacity to pay the cost of the loan, calculated on the basis of standard parameters.

The parameters chosen are those that are normally applied by the Educational Institutions under the Credit loan applications: the affordability index was calculated on depreciation of a loan period of 20 years, 80% of the value of the property, no mortgage payment not exceeding 30% of disposable income, the recommended threshold for not having financial problems because of the house.

The data sources used are:
- the cost of housing the Territorial Agency
- per il reddito disponibile l'ISTAT
- per i tassi d'interesse la Banca d'Italia.

Questi sono i risultati:



Come si può vedere dal grafico, la quota delle famiglie che possono comprare casa non supera il 50%, cifra che scende veritginosamente a poco più del 20% nel caso dei nuclei giovani che sono quelli che ne hanno anche più bisogno.

Fonte: Banca d'Italia, ABI, ISTAT

Maytag Performa Pavt234aww Spec

Italy Real Estate Market: - 4.5 for 2010

Il 2010 si chiude in negativo per il mercato immobiliare.

L'andamento medio dei prezzi registrato da FIAIP (Italian Federation of Professional Agents Immoboliari) dropped 4.5% for dwellings



while the forecast for the first half of 2011, show, in FIAP, an improvement for the buying and selling of residential , especially for the central areas of the city, and an increase in rents to + 10%.
In remote areas, however, the market may remain steady, as well as the time of sale. According to the Association for determining the recovery of the market are the price expectations of sellers, yet at the levels of 2006-2007.
is evident from the report una diminuzione generale dei prezzi in tutte le città, eccezion fatta per Venezia (+ 2,2%) e Siena (+ 0,2%). Prezzi più bassi a Palermo  con una punta massima del -11%, Napoli segna un - 1,5%, Bergamo - 7%, Bologna - 3%, - 3,64% Genova, - 4% Roma, - 5% Firenze, - 6,2% di Ssalerno e - 6,2% di Milano.

Fonte : FIAIP

Thursday, February 24, 2011

Clipart Of Carati Man

Renovations Real Estate: tax

Per interventi che durano più anni il limite è di 48.000 Euro

Le agevolazioni fiscali sui lavori di ristrutturazione (Detrazione del 36%) sono tra le più utilizzate dai contribuenti. In vigore dal 1997 sono state prorogate quasi senza interruzioni fino ad oggi ma con aggiunte e modifiche che ne hanno complicato l'applicazione.
Un limite su più livelli
Particolarmente importante è limite di spesa ammissibile pari a 48mila euro per un intervento sulla stessa abitazione, pertinenze incluse. Il limite è annuale, è per immobile ed è per tipo di intervento (anche pluriennale).

Poché il limite è annuale, se nello stesso anno viene terminato un intervento edilizio e se ne inizia uno nuovo sullo same property, the expenses incurred during the first intervention affect the upper limit of the subsidized rate for the second.

With a ceiling of 48,000 euros of expenditure, the maximum income tax deduction is equal to 17,280 euros (ie 36% of € 48 thousand). However, if an owner has several homes, the costs are reduced by € 48 thousand for each unit (Law 266/2005).
The limit is related to housing, so if this is cointestato and expenses are incurred by all the joint holders, the limit must be divided.
Since the "limit" for intervention, however, if the building renovation is a "mere continuation di lavori iniziati successivamente al 1° gennaio 1998», per determinare il tetto massimo della spesa agevolata, pari a «48mila euro per unità immobiliare», si tiene conto anche delle spese sostenute negli anni passati dopo il 1° gennaio 1998 (legge 289/2002). Nell'anno della prosecuzione, la detrazione d'imposta va quindi determinata sull'importo che risulta dalla differenza tra 48mila euro e gli importi già spesi negli anni precedenti per lo stesso intervento (circolare 9/E/2002).
Esiste anche un altro vincolo: se per la stessa abitazione e nello stesso anno, si proseguono interventi di manutenzione iniziati in anni precedenti e contemporaneamente si iniziano nuovi interventi, l'importo facilitated maximum annual expenditure of 36% may not exceed the total size of € 48 thousand (circular 15/E/2003).

Here's an example in 2010 was initiated a maintenance of a house which cost € 40 thousand in 2010. In 2011, the works are completed, but other spending € 18 thousand. The upper limit for this posting, of 48 thousand euro, has been passed, because I spent 58 thousand euro. I spent 18 thousand euro in 2011 will be considered for deduction of 36% to only 8 thousand euro, as for the same purpose in the same household must be adhered to the limit of 48 thousand euro. The 10 thousand euro residui non potranno essere detratti al 36%, neanche negli anni successivi.
Se nel 2011 si vuole iniziare e terminare un nuovo intervento di ristrutturazione sulla stessa unità immobiliare, va tenuto presente che si possono agevolare al 36% solo spese per 40mila euro, dato che il limite dei 48.000 euro per abitazione è annuale e 8mila euro sono stati già agevolati nel 2011 con i lavori cominciati nel 2010 e terminati nel 2011.
Nuovi interventi
Nel caso in cui risulti necessaria una nuova abilitazione amministrativa, per interventi diversi dai precedenti, siamo in presenza di un nuovo intervento, per il quale quindi spetta un potenziale nuovo limite di spesa di 48mila euro. Ma abbiamo un nuovo intervento even in cases where there is no need to request a new administrative approval, like the replacement of the gas pipe or repair of a broken plug (circular 13/E/2001). In both cases, however, must be sent a new communication to the Operations Centre in Pescara (a necessary step to get the deduction).
How to get the deduction
To take advantage of the tax benefit part of the expenditure "facilitated" must be deducted in equal installments over ten years. If a taxpayer has spent the last year for € 48 thousand subsidized jobs are entitled to a deduction equal to 17,280: and then in the declaration to be submitted this year may deduct the first installment, amounting to € 1,728. And the other hand amount during the next nine years.

Sale of
It must be remembered, finally, that the facilitation relates to the property so if in the course of ten years, this is transferred, the advantage passes to the new owner's amounts not yet deducted.

Source: Il Sole 24 Ore

Where Can I Buy Polymer

4% VAT on home improvements before the first delivery

VAT and home improvements first

Who buys the first house by the manufacturer pays the 4 percent of VAT. But how much it pays on extra work contract, invoiced separately compared to the property?
With the resolution of 22.02.2010 the Inland Revenue deals with the VAT rates applicable to so-called improvements or works extracapitolato, required by future property owners.
The resolution is a response to a summons, in which he was asked what was the correct rate applicable to the construction of a third party commissioned by a cooperative housing to shared ownership, while the improvement work had been commissioned by a member who satisfies the requirements "first home".
Administration keeping the same line as expressed in the past (Circular No. 219 / E of 30 November 2000), supported the possibility of being able to apply the reduced rate of 4 percent. Although made in respect of a person other than the prime contractor, however, the improvements are part of the process of constructing the building and they concern the inclusion of particular materials or design features intended to enable greater functionality of the accommodation.

In the resolution, the Agency focuses on two very important aspects that bene non trascurare quando si parla di operare fuori capitolato.

Il primo riguarda l'ambito di applicazione delle opere, che per beneficiare dell'aliquota del 4% devono essere realizzate esclusivamente durante la fase di costruzione di un immobile ancora non completamente terminato. Vale a dire che le stesse opere, se realizzate nel corso di una ristrutturazione edilizia, sconteranno l'aliquota ridotta del 10 per cento e mai del 4 per cento, a nulla influendo la circostanza che il committente sia un soggetto in possesso dei requisiti "prima casa".

Il secondo aspetto si riferisce alla natura the interventions required, which, even after their execution, they need to keep non-luxury housing characteristics, as determined by the parameters dictated by the decree of the Ministry of Public Works of August 2, 1969.
Otherwise, the work of improvement, will be the standard rate will nevertheless be extended to the sale of which, thus, would rise from 40 to 20 percent. This also applies to any advances already paid, for which it would require a new single VAT invoice to supplement what has already been paid.

Source: Il Sole 24 Ore

Tuesday, February 22, 2011

Essential Oils For Frozen Shoulder

There is a minimum value of a house?

If there is a minimum value of a home as you determine?

Pricing a home is an old question difficult to answer. The only official
real estate prices in Italy are those of the Centre Estate Agency of the Territory (IMO). But do not always text.
A recent Judgement of the Tax Commission of Piedmont did a bit of clarity. Everything was born from an investigation done to veirificare a possible tax evasion. A property sold at a suspiciously low price, had in fact attracted the attention of tax authorities. But what is the price of a house, in order to judge whether someone has cheated in the sales contract for tax evasion?

an example. The buyer can check with the seller b buying a house in the middle of the market price, according to prices IMO. The seller B could be in a hurry, need cash or have only received one proposal or because he wanted to get rid of the property transfer, job loss etc.. or perhaps he had inherited the house and every sale at any price, for he was all net income.
In a review of the tax is put in doubt the result of the sale: too low, there is suspicion of tax evasion. But too low for whom? quotes for OMI. But based on what? on precedenti transazioni. In pratica è come dire: se il mio vicino un anno fa ha comprato a 100, io non posso comprare a 50, altrimenti sono sicuramente un evasore e dichiaro meno del dovuto.
Questione assai difficile da determinare. Tanto che una sentenza (n. 4/27/11 della ctr piemonte) ha appena chiarito che i valori OMI dell'Agenzia del Territorio non sono sufficienti a determinare il valore presunto di un immobile e quindi non sono validi ai fini degli accertamenti fiscali. La sentenza li ha infatti declassati a indizi di evasione. Solo gli accertamenti bancari, incrociati con quelli dell'Agenzia delle Entrate potranno stabilire la verità.
Implicitamente quindi, la sentenza stabilisce che non esiste il valore minimo di una casa.

Source: Idealist

Littlest Pet Shop 176x208

hedge fund mortgages for young couples

Help for loans to young couples

E 'active from 18.02.2011 the hedge funds for loans to young couples prepared by the Ministry for youth.
The funds for this initiative amounted to € 24 million and will involve the provision of credits up to a maximum of 200 000 €. The fund is reserved exclusively for young married couples or single parent families with dependent children.

Individuals or couples wishing to apply should not have passed the thirty-fifth years of age, should not lead to ISEE income above € 35 000, if they are made permanent (the lack of a permanent contract provides for priority access) should not receive more than the contract of employment half of the income taxable income, will not have to have other properties except those received as a gift or inheritance, provided they are for free use of siblings or parents.

With regard to the property that is intended to buy using this fund, must necessarily be used as a main residence, and land can not belong to the categories identified as noble, valuable and / or luxury. To download the order form download .

Source: Government

Friday, February 4, 2011

Bullspride Bullmastiffs

inflation on the rise: in January 2011 equal to 2.1%

Change the basket of goods

ISTAT provisional estimates announced in January 2011 that inflation rose to 2.1% on an annual basis, from 1, 9% in December 2010. This is the highest figure since December 2008.

in January thus lies above the reference threshold set by the ECB (2%) the rate of inflation Italian. Sul piano congiunturale, precisa l'Istat, gli incrementi maggiori hanno riguardato i prezzi dei Prodotti alimentari e bevande analcoliche (+0,8%), dei Servizi sanitari e spese per la salute (+0,7%), dell'Abitazione, acqua, elettricità e combustibili (+0,6%) e dei Trasporti (+0,5%). Risultano invece in calo i prezzi di Ricreazione, spettacoli e cultura (-0,4%). Su base annua i maggiori tassi di crescita hanno interessato Trasporti (+4,3%), Abitazione, acqua, elettricità e combustibili (+3,9%). Inoltre, rende noto l'Istituto, sempre in base a stime provvisorie, l'inflazione acquisita per il 2011 è pari all'1,2%, mentre l'inflazione di fondo, calcolata al netto dei beni energetici e degli alimentari freschi, è all'1,4%, lo stesso valore registrato a dicembre 2010.

BENZINA +11,3%, GASOLIO +15,7%  - Sul balzo dell'inflazione pesano i beni energetici non regolamentati, a gennaio 2011 il prezzo della benzina è aumentato dell'11,3% (+9,9% a dicembre) su base annua e del 3,5% su base mensile. Lo comunica l'Istat diffondendo le stime provvisorie sull'inflazione. Il prezzo del gasolio per mezzi di trasporto è salito del 15,7% (+14,5% a dicembre) in termini tendenziali e del 4% sul piano congiunturale. Riguardo al gpl, l'indice ha registrato un aumento del 26,5% (+21,3% a dicembre) su annual basis and 8% on a monthly basis. As for heating oil in January marked a 14.9% level and trend of 3.3% over the economic cycle.

Soaring FRESH VEGETABLES, +12% - The marked acceleration in inflation in January 2011 also affected by the boost that comes from non-food products, particularly fresh vegetables, which surged on a monthly basis of 12 and 11%, 7% on an annual basis.

EFFECT SALE - In Italy in January 2011 the harmonized index of consumer prices for the countries of the European Union (HICP), which takes account of temporary price reductions as saldi e promozioni, diminuisce dell'1,2% rispetto al mese precedente. Quindi, a gennaio, su base mensile, l'effetto dei saldi invernali si è fatto sentire.

COME CAMBIA IL PANIERE - Cambia, come ogni anno, il paniere dell'Istat per il calcolo dell'inflazione. Nel 2011 entrano, fa sapere l'Istituto, il tablet pc (il più conosciuto è probabilmente l'I-pad), il fast food etnico, il salmone affumicato, l'ingresso ai parchi nazionali, ai giardini zoologici e botanici, servizi di trasporto extraurbano multimodale integrato (ovvero i biglietti che consentono l'utilizzo di più mezzi di trasporto). Esce, invece, la posizione noleggio dvd. Oltre alle new entry I-pad and kebab, the Istat recalled that in January 2011 for the index of consumer prices has adopted "a new and more comprehensive classification scheme of consumer spending." In particular, the index of consumer prices for the entire community (Nic) is spread with a level of detail that comes to 319 'consumer segments', against the previous 204 'items' product. Overall, the 2011 basket is composed of 1,377 products. Following the reclassification, it was also necessary, he always know the Istat, expand the product range, "is the case, for example, the position - he explains - Ladies for sports car Review and position."

In 2011, the 85 provincial capitals that contribute to the calculation of the indices (there were 83 in 2010).

Istat remember that from its preliminary estimates from the January index of consumer prices for the entire community (Nic) and for the families of workers and employees (CPI) are widely used with base Reference 2010 (2010 = 100), which has been updated as compared to the previous set at 1995.

Source: ANSA

Wednesday, February 2, 2011

Ls Mag 1 Sweet Things

300 sqm detached house € 300,000


In a quiet, detached house on 3 floors of 100 square meters each, in addition to the property area of \u200b\u200bapproximately 100mq.Libera now also suitable for 2 or 3 families

Sunfish Traveller Diagram

Nerviano two local independent


In short, with private entrance 2 large fenced area with local services over the property of approx. 50mq.libero immediately