Sunday, 22 September, 2019

Furnish your home: furniture loans and tax bonuses


Expenses for furniture, furniture and appliances, which are not always sustainable in a single solution, can be extended through specific loans, generally of medium-high amounts but also more limited if they are aimed at a single purchase. To find the most suitable solution, the options dedicated to this particular need can be compared among the offers of the different financial institutions. Another element not to be overlooked is the still open possibility to take advantage of the tax bonuses for furnishing and large appliances, valid until 31 December 2016.

Furnishing loan

Furnishing loan

Among the furnishing loans suitable for delaying an important sum we find the Astro Finance offer, from 1,000 to 60,000 euros disbursed directly into the current account and through a repaid current account, in monthly installments. This loan is suitable for the purchase of kitchens, bedrooms, living rooms, bookcases, garden furniture, but also furnishings and textiles. For the request it is necessary to have between 18 and 75 years, a demonstrable income through paycheck or pension slip, residence in Italy. Furnishing loans and home appliance loans are also offered by Bank Care, with repayment of the first installment at 30 days, both to complete the rooms of a new house and to modernize. The age limit for access to the loan is 70 years, it is necessary to be resident in Italy with a demonstrable income and a current account.

Loan to get an appliances

Loan to get an appliances

As for the tax bonuses, until the end of 2016, purchases of new furniture and large appliances destined to complete the renovation of the building are deductible at a rate of 50%, on a maximum expense of 10,000 euros. Purchases made between June 6, 2013 and December 31, 2016 are eligible for deduction, provided that the start date of the work is prior. Young couples can alternatively benefit from a 50% deduction for the purchase of a new home by the end of the year. The deduction is applied for expenses up to 16,000 euros carried out in the current year. To use them you must be cohabiting or married for at least 3 years and at least one of the two members of the couple must not be over 35 years old.

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