The sole deputy of the PAN proposes to increase the maximum limit of deduction of interest on housing loans to 445 euros, as a way of helping families to face the rise in rates.
In a bill that she submitted to parliament, the deputy of the People-Animals-Nature party wants parliament to increase the “maximum limit of interest deduction on housing loans from 296 euros to 445 euros, a value corresponding to the average value of dues”. .of mortgage loans in Portugal according to data from the INE— and proportional increase of the increased limits”.
In that project, which was presented to the Assembly of the Republic on Monday, Inês Sousa Real also proposes the “increase in the deductible percentages in the IRS with interest expenses on debts contracted in the field of housing credit, from 15% to 23, 85%”.
The value of this increase is around 59% and is in line with the expected average increase in the benefit in 2023 and, seeking to ensure some prudence, it is below the limits that have already been in force in the scope of this deduction. in the past”, defends the deputy.
The PAN spokesperson also proposes updating the maximum limit for deducting rental expenses in lease contracts from “502 euros to 507.12 euros”, in addition to increasing the temporary exemption from IMI for the acquisition of real estate for own and private use. permanent housing.
In the project, Inês Sousa Real states that “the context of crisis caused by the war in Ukraine and the latest impacts of covid-19, associated with the tough stance adopted by the European Central Bank in recent months, has generated a strong increase in of interest rates.”, and warns that this rise “has generated, and will continue to generate, a strong impact on household income in Portugal”.
Although this PAN proposal does not solve all the problems associated with the financial suffocation that families with home loans may suffer this year and next, it will allow all families with home loans to recover, in terms of IRS deductions, part of the amount was paid in interest within the scope of their mortgage loan”, defends the PAN leader.
Through another bill, Inês Sousa Real proposes to Parliament to approve a “regime for the granting of social housing credit for young people” to counteract the “blockades in the access and approval of housing credit” that will generate the “sharp increase in Interest rates” .
This proposal provides for the granting of credit to young people between 18 and 35 years of age for the “acquisition, expansion, construction or execution of ordinary, extraordinary works of conservation or improvement of permanent housing; or for the acquisition of land and construction of a property intended for permanent housing”.
This regime would be financed from the General State Budget, would apply to loans of a maximum of 200,000 euros and would make it impossible to “dispose of or lease the assets acquired for five years, under penalty of the obligation to repay the amount of the bonuses. in meanwhile”. enjoyed more 20%”.
Source: Observadora
