Lower Isee from 2025 without BTp and passbooks: new rules ready

Yet - the report goes on to say - "most benefits envisage decidedly contained Isee levels, such as to consider the Isee reduction effect negligible" following the exclusion of government bonds. The impact, instead, could be more onerous for the single allowance, given the universality of the benefit and the granularity of the Isee classes to which different amounts correspond. In this case, 'the estimated weight is limited and on average almost 0.7 per cent with an impact on the benefit amount of 0.23 per cent'. The measure thus determines a higher expenditure of approximately 44 million euros per year, for which ad hoc financial coverage has already been provided in the past manoeuvre.

In addition, the report to the Dpcm, on which the parliamentary commissions will have to express their opinion in the coming weeks, recalls that within 30 days of the approval of the new Dsu model for the calculation of the Isee 2025, the various bodies that provide subsidised services will be able to decide whether or not to proceed with a 'downward revision of the Isee access thresholds', precisely in order to avoid greater burdens.

Simulations carried out for Il Sole 24 Ore del Lunedì by Caf Acli help to understand concretely what will change with the new Isee "without government bonds". For example, two parents with two children, an income from employment, a house they own, and about 79 thousand euro of movable assets, will see their Isee go down by about 2 thousand euro (-8.6%) if 25 thousand euro are invested in government bonds. If this share then rises to 50 thousand euro (thus the maximum threshold that can be reduced), the Isee can also fall by up to 4 thousand euro (-17.2%) compared to the current one.

The publication in the Official Gazette of the Prime Minister's Decree will then have to be followed by the operating instructions of the Inps for the compilation of the new Single Substitute Declaration, which - in cascade - will have to guide the Cafes and the pre-filled sending of the model. The text has already obtained the favourable opinions of the Privacy Guarantor, the Council of State, and the Unified Conference. The Regions have also given the go-ahead, asking the government, however, to 'urgently set up an ad hoc technical round table' to initiate a comparison 'aimed at an overall revision of the regulations, in the interests of greater fairness and sustainability'.

Laying the - necessary - foundations for the full technical operability of the new Isee was, finally, the Revenue Agency's measure of 28 October, which introduced the obligation for financial operators (banks, post offices, brokers, investment and savings companies) to communicate the data relating to the asset items concerned.

Until now, in fact, banks were only required to communicate the average balance of financial relations for the purposes of calculating the Isee, while now they will also have to transmit the value, recorded at the end of the period, of government securities in the name of natural persons. The communication of the data referring to 2023, which will feed into the Isee 2025 calculations, must take place by 31 December next. In this way, in order to simplify the compilation and verification of discrepancies in the Dsu, for the first time this information will enter the Tax Registry.