Cassa Depositi e Prestiti is close to full reopening to new requests from the channel for credit assignments. And he has already defined all the main coordinates of his offer. It will only purchase credits from companies that have accrued them downstream of the discount on the invoice. And it will buy the super bonuses at 91.5% of the face value (therefore, the actual 100.6%) and the other bonuses at 83.5% of the face value. These elements emerge from an information letter that, in these days, Cdp is sending to banks and Confidi, to anticipate the operating details of the new platform, in view of the reopening, for which a date has not yet been set. Although it should be remembered that Cdp’s operations have never completely stopped: the management of the files already present before the stop has continued.
The confirmation, however, is that, after the suspension at the beginning of the year, the full reactivation of the Cassa Depositi e Prestiti channels is near. In short, the evaluation phase, announced last March in response to a parliamentary question, is closing in a positive way.
Some innovations in the offer will be linked to regulatory changes in recent months. Since Cdp is not a qualified subject according to the transfer rules, it cannot be the recipient of the second and third credit transfer. Instead, it will be able to purchase credits only directly from the company that accrued them, and only through the discounting operations on the invoice exercised by the beneficiary of the deduction. From 1 May, then, the prohibition of partial sales was enacted. For now, the orientation is not to buy parts of credits but only credits in bulk.
Moving on to the economic contents of the offer, for the superbonus purchases will be possible at the end of the work or for individual Sal. While, for the other home bonuses, they will be possible only after the work has been completed. Each transfer case must have a denomination of at least 250 thousand euros and each company will have a maximum ceiling of 10 million (which could go down in consideration of some financial parameters of the company).
Prices will change, as is market practice, depending on the concession. For 110% (both four and five years) 93% of the nominal value of the credit will be paid, from which a 1.5% commission for the intermediary will be deducted: therefore, 91.5% of the 110%, which is equal to 100.6% of actual value. For the other bonuses, on the other hand, 85% of the nominal value will be collected, from which 1.5% commissions for intermediaries will be subtracted: thus reaching 83.5% which, in the hypothesis of an eco-bonus at 65%, corresponds to 54.2% of the actual value.
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