Mostly, The APA, which comes into force on July 1, encourages homeowners or landlords to claim 20% of the market price of the dwelling in return for tax relief for tax liabilities and tax liabilities. The Government believes that PAA will mean saving two and a half rentals per year for Portuguese families.
According to the program there is a formula for determining the income of a property, but there are also maximum values that can be charged in the different municipalities of the country.
In this connection News a minute to talks with Housing Secretary Ana Pinho to clarify some issues related to this new housing policy, the sums that can be levied on what may happen to landlords and tenants in the event of a default.
Who has access to the program?
Access to the program can be obtained by all owners of fractions or properties, but also those who want to rent part of their house, such as a room or two rooms that are available.
From the point of view of the beneficiaries, the tenants can access the program with a maximum income limit per person of 35,000 Euros per year, for two people 45,000 Euros and then an amount of five thousand Euros for each. additional person.
What is the effective economy that this program brings to the Portuguese families?
For each Portuguese family this program will mean savings of about two and a half rents a year.
And how do you think membership would be?
We think that with the difficulty that is currently in the housing in Portugal and Romania [tendo em conta] the prices charged in the lease contract will have a sincere adherence to the demand. On the part of the proposal, we think it will exist, and it will always be gradual, on the one hand, because people need to know the program, but also because houses need to wander in order to be able to join, as this is a program which is available for new contracts.
So did you say in another interview that you expect this to be a gradual program?
Yes, it will always have to be for that reason. First, because people need to know the program, then they have to gain confidence, they realize how well it works, and another very obvious factor is that membership in the program is done through new contracts. This is progressive [desde] that there is a housing market.
One of the aspects that generated more controversy over the past few days was the value of rents. Who defines these values?
The amount of rents is defined in the ordinance that was published, but not in the table as it was derived from the press release. The maximum revenue to integrate the affordable rental program is a value calculated specifically for each dwelling of the formula given in the table, which takes into account the area of the dwellings, the quality of the dwellings, ie. , if equipped, if you have just recovered if you have a parking lot. All these factors are taken into account in the formula for calculating the maximum value that can be claimed for a dwelling.
Table tables were tabled, which means that if the formula's maximum value is higher than that in this table, then the owner or owner, in order to integrate the program, will have to agree to fall by more than 20% value. lease reference, which is, say, the normal table.
For example, two T2 houses in the same parish, in the same building, may have different maximum income under the program if it is furnished, equipped with good energy efficiency, just rehabilitated, with a parking space and another is on the 5th floor without a lift, with modest living conditions, no furniture, no cooking equipment and lower energy efficiency. All of this then has an impact on the costs families have are the quality factors that not only increase comfort but also reduce family expenses. Therefore, these two T2, with the same area, will have differentiated maximum income limits for the program.
From the calculations that have been possible so far, can we conclude that the average values of the program are lower than the maximum ceilings?
What we did was to refine the formula that would translate in a strict and egalitarian way for everyone what the reference value of the lease would be to translate what the market value of the property would be. To integrate the program, you must be at least 20% below this value.
If we take into account the average rental rates for the whole country, the average areas that according to the census in 2011 exist for dwellings and the most current characteristics of the dwellings that we have hired the values are actually much lower than the one in the table.
How often do these ceilings increase?
The formula is updated every time INE data is updated. Currently, INE expects to disclose the median of the lease amount every six months, so the formula is automatically updated every semester.
It is expected that the table, when justified, will be updated. But only when this is justified because the maximum rental value of a dwelling is assumed by the formula for each case and the formula is updated automatically.
And what if the program rules are not followed in part?
Whenever there is a violation of the program rules – and the different situations giving rise to non-compliance are defined in a decree law creating the program itself – both parties lose: the lessee loses the benefit of the rent reduction and the owner loses the benefit of the tax exemption . It is furthermore suspected that they are returning to the program for a period of five years in cases of proven non-compliance.
In conclusion, owner and tenant associations have criticized the program in question, providing for even a "failure" of the program. How does the government respond to these criticisms?
The National Owners' Association has come to say that this is a program that is moving in the right direction, what I saw from the Lesbian Association of Tenants is to say that this is not enough. And that's not the case. We have a set of other modest income classes, such as the first law, the Home Access Support Program, and the National Fund for Rehabilitation of Public Housing for Affordable Homes.
Today, the Association of Real Estate Companies has also spoken in favor of the benefits of this program.
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