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The advance volunteer for the board (Ape) can cost up to a maximum of 5.5% annually on the check future in the form of monthly installment. A rate that will be used to repay in 20 years, the leading bank transfers make sure via the Inps. To use the Epa could be a potential audience of 300 thousand workers, employees and self-employed "over 63" in 2017 and the other 115 in 2018. The new "no-tax area", instead, will benefit an annual average of 45 euros to almost 5.9 million of pensioners, with a peak of 74 euros per year for those included in the class of pension income between 7.750 and the 15 thousand euros. This enlargement of the reservoir will weigh a little less than 300 million on the balances, while an extension of the deduction from the work to all the pensioners would rise the costs to 1.9 billion. At least according to what emerges from the slides that the under-secretary to the Presidency of the Council, Tommaso Nannicini, yesterday published to illustrate the c ontents of the "package insurance" content in the maneuver for the examination of the Room.
The dossier of the team of economists of the palazzo Chigi led by a young professor at Bocconi university, provides figures and explanations of some of the criticisms of the measures of the Government, starting with those on the Advance pension arising from the verbal agreement that was signed with the trade unions at the end of September. In this regard, Nannicini immediately explains that the Government has opted for the Bee “to increase flexibility in the choices of individual workers who have access to the old-age pension” and “to facilitate the transition for people who are unemployed or in a condition of need”. No gift to the banks, therefore: “Without the involvement of banking institutions, the flexibility in output would have a cost of 7-10 billion a year” it is underlined in the dossier; it’s almost an indirect answer to criticism received last week by the president of the Inps.
there is also a focus on the impact on the accounts of the entire package of social security in the Ddl statements. The total cost will be 6.8 billion between 2017 and 2019, but then will rise up to achieve cumulatively the 24.3 billion in 2026.
Returning to the Bee, the team of economists of the Palazzo Chigi explains some of the choices made by the Government. Starting from the conclusion of an insurance policy is required to ensure those accessing the loan and the institution that provides the financing in the event of premorienza (keeping interest rates low) and “with a cost subsidized (half of the prize is the responsibility of the State), thanks to a tax deduction”. With regard to the choice of only 11 heavy-duty work for the access to the Bee social (the one at zero cost), it is stressed that the categories were identified “on the basis of studies on the risks and stress related to work”, also made using the data base of Inail, and that “the other categories are answered on the package on demanding jobs”. And it is stressed that “the mechanism is experimental: the ministry of Labour, Istat and Inail will do in-depth studies to identify structural mechanisms that take into a ccount risk jobs and the heterogeneity of the hope of life (“phase 2″ of the confrontation with the trade unions)”.
On the slope of the simulations, the cost of 5.5% average per annum for the advance pension voluntary is based on the request of a Bee 100% of the board certified monthly, being in possession of at least 20 years of contributions. With an Epa voluntary 85% on a full pension in the future, the average cost will be, as is well known, of 4.6-4.7% in the year, starting from a minimum of 2%. In the calculation it is necessary to take into account that the monthly pension of a net is provided for 13 months while the bank loan related to the Bee spread over 12 months.
The financial assumptions of the basis on which were developed the simulations described in the slides include a Tan to 2.5% and an insurance premium of 29% of the share capital. There is also a tax deduction of 50% of the portion of interest on and the premium. In essence, In the presence of a net pension certified by Inps 1.286 euros per month for 13 months (from a gross of 1.615 euros) and a request for the Epa is 85% of the net pension monthly for three years (1.093 euros per month), according to the calculations of the palazzo Chigi the installment, once you have reached the old-age pension, it would be of 258 euros a month but would drop to 208 thanks to tax breaks. The instalment at the beginning of the return is higher (about 5.4% of the cheque), and then down with the passing of the years (4,1% at the end of the return) with the increase of the pension. From the moment you enter the old-age pension for the full 20 years to repay the loan, you would have a net pension, les s rate and deductions, of 1.078 euro per month.
Confirmed the cost at zero for the Bee social, at least until a retirement income of 1,500 euros. Mix Bee, more Rita, in order to anticipate the output of 3 years, with an Advance on the pension, 49% of the net pension and a pension from the supplementary early 100% of the capital accumulated with 10 years of contributions to matching funds (equivalent to 51% of net), which would result in an average cost of 2.7% for the year, taking into account the tax benefits (deduction of 50% of the share interests and the prize and a substitute tax of between 9% and 15%).
In the slides there is also a ledger of the eighth safeguard, with which the cumulative expenditure for the three years is projected to decline to 6.4 billion thanks to definanziamenti activated for the closure of the fund "esodati".
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