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Tfr anticipato per l’acquisto della prima casaFF Web Magazine | ffwebmagazine.it
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sabato , 17 luglio 2021
Ultime notizie
HomeCasaTfr anticipato per l’acquisto della prima casa
Tfr anticipato per l’acquisto della prima casa

Tfr anticipato per l’acquisto della prima casa

L’anticipo del Tfr può essere richiesto anche dai dipendenti del settore pubblico, i quali devono avere gli stessi requisiti dei dipendenti privati, ma possono avanzare la loro richiesta solamente se sono assunti con un contratto a tempo determinato (dal 30 maggio 2000) o con un contratto a tempo indeterminato, a partire dall’1 gennaio 2001.
Vediamo quindi nello specifico quelli che sono i vincoli da dover tenere in conto, in base a quanto stabilito dal codice civile.

Quando si può richiedere il Tfr anticipato
In base alla normativa vigente il Tfr anticipato può essere richiesto in una serie di casi:

per spese sanitarie, terapie;
per l’acquisto della prima casa, per sé o per i figli.
Ovviamente, affinché questa possibilità si concretizzi c’è bisogno del consenso del proprio datore di lavoro e la visualizzazione del proprio contratto di lavoro. “Condizioni di miglior favore possono essere previste dai contratti collettivi o da patti individuali. I contratti collettivi possono altresì stabilire criteri di priorità per l’accoglimento delle richieste di anticipazione”. Tanto che un patto individuale tra il datore di lavoro e chi ne fa richiesta consente di anticipare il Tfr anche se non ne ha i requisiti.

Inoltre l’anticipo del Tfr può essere richiesto anche per estinguere un mutuo, sempre se è finalizzato all’acquisto della prima casa per sé o per i propri figli.

Documenti da allegare per richiesta anticipata Tfr
Per quanto riguarda la documentazione necessaria per attestare l’acquisto di una casa, al fine di avere un anticipo del Tfr è necessaria:

copia carta di identità;
codice fiscale;
questionario fiscale compilato dal datore di lavoro;
dichiarazione dell’azienda dello stato di servizio del lavoratore e della sua condizione di dipendente;
copia autentica dell’atto notarile di acquisto dell’abitazione (rogito);
copia autentica dei preliminari di acquisto registrato.
Se invece l’acquisto dell’abitazione non è stato ancora effettuato è importante presentare:

copia carta di identità;
codice fiscale;
questionario fiscale compilato dal datore di lavoro;
stato di famiglia o dichiarazione sostitutiva;
dichiarazione dell’azienda dello stato di servizio del lavoratore e della sua condizione di dipendente;
copia autentica dei preliminari di acquisto registrato.
Tfr anticipato anche per lavori di ristrutturazione
Inoltre è bene ricordare, che oltre per l’acquisto, è possibile richiedere il Tfr anticipato anche per lavori di ristrutturazione, ampliamento o risanamento di un alloggio, sempre che si tratti di spese necessarie per consentire l’abitabilità di un edificio.

La documentazione necessaria da presentare al fine di vedersi approvata la richiesta, è la seguente:

copia carta di identità;
codice fiscale;
questionario fiscale compilato dal datore di lavoro;
dichiarazione dell’azienda dello stato di servizio del lavoratore e della sua condizione di dipendente;
preventivo degli oneri da sostenere, datato e firmato da un professionista iscritto all’albo, o contratto di appalto. Ovvero quietanze delle spese sostenute, accompagnate da un certificato di collaudo finale, emesso dal progettista;
denuncia di inizio attività, accompagnata da una dettagliata relazione a firma di un progettista abilitato;
certificazione catastale attestante la proprietà dell’immobile da ristrutturare;
copia autentica dell’atto notarile di acquisto;
copia autentica del preliminare di acquisto registrato.


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