The game on the Advance financial guarantee pension, now known as Ape, is not yet complete. And you continue to play within the boundaries that, with the passing of the days, becomes more and more reduced. Yesterday the Government released the first details of the long-awaited prime ministerial Decree, to be launched by January. As a result, for access by the next month of may to the so-called bank loan, the "bridge", with an advance of a year you will not be able to ask for a Bee more than 95% of the monthly pension certified by Inps. And that the roof will drop to 90% with an early release of 2 years and 85% in the case of an advance of 3 years.
Pensions, roofs to”Bee” a volunteer. Renzi: there is no rule “Airbnb”
of Course, the workers concerned (with 63 years and 20 of minimum contributions) may ask for even less in advance of the future pension, especially if they do it while maintaining a job with a specific time, or if you have opted for the combination of Ape-Rita, i.e. using the whole or a part of the capital accumulated in the supplementary pension fund to obtain a monthly income in the years remaining to the old-age pension. The goal, in both cases, is to reduce the burden of repayment of twenty years that “clicks” with the board, knowing that the incidence the annual average will be 4.6-4.7 percent.
The decision to put a limit on the loan request, and not to foresee the thirteenth (which, moreover, is not envisaged even in the Ape social or Naspi) – have explained yesterday by the team of the undersecretary to the presidency of the Council, Tommaso Nannicini, was due to the necessity of not picking up too much of the instalment to be paid once on board. “We wanted to keep the lower the insurance premium – they explained – but to do so we would have had to reduce the duration of the loan, perhaps at 10 years. And at this point, would rise too much the rate of return”. It is worth recalling that the norm on the Ape provided in the maneuver provides another margin of safety: pension, net of the repayment pattern that is triggered after the years advance, with a discount of 50% in terms of deduction dry on interest and insurance, shall not in any case fall below the threshold of 1.4 times the social allowance.
Manoeuvre, rentals “Airbnb” at 21%. Pensions, “Bee social” is the most extended
These details of the Dpcm – which will also contain the interest rate on the advance financial (Tan), and the value of the insurance premium (expected on 29% of the share capital due to the high risk of premorienza) – will have an impact on the flows of access to the Ape, already skimmed on the side “social”, i.e. the loan-to-bridge-to-zero cost”, with the introduction of two thresholds that are certainly not too soft for the access: 30 years of contributions for workers unemployed or disabled, and 36 years for individuals in a list of active "heavy-duty" not too extended (by construction workers, fake nurses in the operating room, and machinists).
But while the Government clarifies the stakes that delimiteranno the territory of the new flexibility in the output even if it is kind of the "extra-social-security" in the european Parliament grows, the pressure to enlarge the scope of reference, by leveraging on the possible corrections to the draft Budget to the examination of the Room, where is placed the package of social security that also includes the Bee. From the Labor commission, chaired by the Pd, Cesare Damiano, is already put in black and white (and approved) an amendment to the budget package to bring down from 36 to 35 years, the threshold of access to the Bee social for workers in strenuous activities. And the commission itself sees a good eye, an enrichment of the list of work hard to such as to ensure the Advance pension at zero cost. With the clear objective of expanding the basin of potential beneficiaries, on which, at the same time, the technical Service Budget to Parliament, ask the Government to clarify to be able to evaluate with accuracy the real accounting impact of the Bee. According to the experts of the Chamber, the range of beneficiaries is not at all clear. Another topic that will almost certainly be addressed is the likely refinancing of the so-called "option a woman", i.e. the possibility for some workers to retire early (with 57-58 years and 35 of contributions) with a recalculation of contributions.
Pensions, the new (explained) from Ape to Rita and from the Tfr to the ricongiunzioni
The initiative of the Government to make more flexible the mechanisms of exit remains important to provide an option to the workers that in a situation of hardship, they run the risk, once exhausted the shocks, to stay for several years without a salary and a pension. But at this point would be that the Executive and majority to find a common route to take, also to give certainty to mechanisms that are completely new and, therefore, still to be tested. No case is provided for a long phase of experimentation.
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