EnelX and other platforms ready to collect them – Corriere.it

The doubtful formula is mandatory but perhaps we are at a turning point on the transfer of credits for the Superbonus; some banks, while not declaring that they have reopened to all customers who request it, as far as we know they are still reopening for operations they consider interesting. In response to a parliamentary question, the Undersecretary for the Economy Sandra Savino declared that they are willing to withdraw Intesa Sanpaolo and Sparkasse credits and the EnelX platform has the same intention, while Unicredit, Crdit Agricole, Poste and Bpm are preparing to re-enter the market . Four private platforms are also operational, which mainly purchase from companies that have granted the discount on invoices: Finanza Tech, SIBonus, Giroconto and Innova Credit.

According to Ance estimates, outstanding credits would even amount to 30 billion euros. And yet, as we said, prudent optimism is legitimate. What does it come from? From the fact that banks now have greater tax capacity, as explained by Christian Dominici, a Milanese accountant and owner of a firm specializing in tax credits. “Credit companies today have the possibility of withdrawing credits because thanks to the rate hike they have made much higher profits than expected and therefore have more taxes to pay; for this reason, presumably local banks will return to the market in the next few weeks, which in any case have every interest in satisfying customer requests. Under current conditions, withdrawing the remunerative credit and, after the clarifications of the Revenue Agency on gross negligence, is not very risky, provided obviously that the checks are carried out “.

“For now – continues Dominici – the specialized institutes have moved, banks that do not interface with retail users but which buy from other financial institutions and which can in turn transfer credits to their professional customers in the imminence of payments with the F24 model. This is the same mechanism that the EnelX platform will clearly adopt, when it is fully operational and has obtained the banking license, or a co-purchase agreement with a bank, necessary to then be able to resell the credits to private individuals and corporate customers” .

EnelX was quoted by Undersecretary Savino, who however also explained that the platform, identified by the Executive as the vehicle through which to dispose of credits, will start not before September. The need to operate as a bank, mentioned by Dominici, derives from the fact that only the first transfer (to a third party or to the company that makes the discount on the invoice) can be made to individuals, from the second onwards it is necessary to transfer to a bank, insurance company or supervised financial institution. With one exception: the banks can hand over to their customers: a potential pool, as far as Enel is concerned, of 26 million people (company data). So the fully operational platform will be able to buy from individuals, businesses and financial entities and sell to customers who have to pay taxes. It is essential for it to be fully operational for the new deadline indicated (actually in February there was talk of June) because those who have not yet managed to sell the credit will still have time to avoid choosing direct repayment in 10 years and then because in November there is the wave of F24s for tax advances.

Certainly the delay in the departure of EnelX will strengthen the requests that are already becoming insistent to extend the deadline of December 31 for the 110% (works communicated by 2022) or 90% rates. We remind you that from next year without extensions the rate will drop to 70%. The possibility of an extension will certainly be at the center of the debate for the 2024 Budget Law. The MEF estimates that the return for the State deriving from Superbonus does not reach half of the expenditure (Superbonus, how much did it cost the State? Almost double the estimate initial – Corriere.it). Yet another clash between politicians and technicians is expected. But the shopping list too rich.