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Approved by Senate Decree Popular: change current account will be simpler with one module and zero expenses.
Soon change current account an operation could become even easier thanks to the Decree Popular that reduces red tape and costs for those who choose to manage their savings through another bank. Besides resorting to an account to securely manage the money, credit the salary and manage the payment of utilities is a custom widespread, but to reduce management costs and the various transactions is always advisable to identify the most competitive proposals prepared by banks . Inquiring about Fineco and its products, on Che Bank, IW Bank and other lenders you can quickly select the most advantageous solutions.
The Decree Popular approved in the Senate without amendments on March 18, is currently on hold of the final grade. In all likelihood, the decree will be passed into law in these hours, but the new regulations will not be operational June 1: by means of an amendment voted on in the House banks will have three months to comply. We see that the principal provisions of the decree.
The reform of popular Banks
This is Article 1 of the decree, or one that has raised more critical in recent weeks. Concretely the assets of the banks will not exceed 8 billion euro, banks that currently exceed them – ie ten banks – will become Spa .
Times sure to change current account
We come to the standard of most interest to consumers. To bank customers (and to those of similar institutions such as Post ) will be guaranteed the portability account by 12 days working. The decree provides that no financial burden to be borne by the account holder who has the right to change the current account without bureaucratic difficulties and transferring automatically debiting of utilities, recurring charges, and so on. Concretely will simply go to the bank and fill out a chosen single module . Institutions that do not comply or register defaults to the detriment of the account holders will have to pay them a compensation , which will then be defined by a ministerial decree.
Benefits to innovative SMEs
Among other measures, the Decree Popular introduces the concept of Innovative SMEs. As provided by the European recommendation these companies (with less than 250 employees and 50 million sales) will be entitled to benefits, simplifications and tax incentives. Will be paid € 7 million for 2015, 39.6 million euro for 2016 and 26.9 million euro per year from 2017.
What is the Patent Box?
This is a benefit introduced by Article 5 of the decree, in summary, excludes the amount of the total income of up to 50% of the income from the use of intellectual property or industrial, trade marks equivalent to patents, but also processes, formulas and information acquired through a field training in the industrial, commercial or scientific experience.
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