I prestiti devono essere inclusi nell’ISEE: ecco cosa devi sapere
ISEE stands for Indicatore della Situazione Economica Equivalente in Italian. It is a tool used to evaluate the economic situation of an individual or a household in Italy. ISEE is calculated based on the income of the individual or household and also considers the assets held. Proper calculation of ISEE affects the access to many state subsidies and benefits. This includes scholarships, social welfare benefits, allowances, and tax credits. The ISEE calculation does not take into account the loans that individuals might have, and this has been a topic of debate for some time.
In this article, we will explore the inclusion of loans in the ISEE calculation and what you need to know about it.
Why are loans not included in ISEE calculation?
Loans are not included in the ISEE calculation due to their nature. Loans are a temporary help to a person’s financial situation, while ISEE aims to examine the actual economic situation of an individual or household. Loans are subjected to be repaid with interests and not considering them means that it is limiting a true representation of an individual’s economic situation. Excluding loans from ISEE creates a scenario where those who have high debt but also high income can still enjoy certain benefits that they don’t necessarily need.
Should loans be included in ISEE calculation?
Many have voiced out their opinions that loans should be included in the calculation of ISEE. The main reason being that the lack of consideration of loans in the calculation does not provide an accurate representation of an individual’s or household’s economic situation. By not taking into account loan repayments, ISEE could be misleading the allocation of subsidies from the state.
To include loans in the calculation of ISEE, the general formula for the calculation of ISEE should be changed. It is argued that apart from the income and the assets owned, the amount of debt and already outstanding loans should also be considered. In such a case, reducing debts should be taken as a factor that improves the ISEE calculation.
What loans should be included in the ISEE calculation?
In the opinion of many people, all loan types should be included in the ISEE calculation. This would lead to a clearer understanding of an individual’s or household’s financial situation. Including loans would provide a snapshot of the entire economic situation of the person or household, and this would help in better budgeting and planning.
In cases where the loans are not being repaid as expected, the calculation of ISEE will be higher, indicating that the individual or household requires more help, whereas a lower amount of outstanding loans would mean that the person or household is improving financially.
What’s the consequence of including loans in the ISEE calculation?
Including loans in ISEE calculation would have significant consequences for households with debts. It would mean, for example, that individuals with a high amount of existing loans and debts, but also high income, would not be able to access all the benefits that they did before – this is because their ISEE score would no longer qualify them for these benefits. On the other hand, individuals that previously did not qualify for state subsidies might now be able to access them, given that their ISEE score would be lower due to the consideration of outstanding loans.
Conclusion
In conclusion, the inclusion of loans in ISEE calculation could be a way of improving its effectiveness. Adding the outstanding loans of individuals and households to the existing formula of calculating ISEE will provide an accurate representation of the real economic situation of a person or household. The inclusion of loans will also increase the amount of transparency in the system, allowing beneficiaries to access subsidies and benefits that are tailored to their specific needs. However, the calculation of loans in ISEE will create winners and losers, as those with high debts but high income will lose out on state subsidies, while individuals who did not previously qualify for these might now be able to access them.
FAQ
1. Does the inclusion of loans in the ISEE calculation affect the amount of payment schemes for loans?
The inclusion of loans in the ISEE calculation only affects the allocation of subsidies and state benefits. It does not affect payment schemes for loans.
2. Will adding loans to ISEE benefit everyone?
Adding loans to ISEE will benefit some individuals while disadvantaging others. Whether it is beneficial or not depends on specific circumstances.
3. How do you calculate ISEE?
ISEE is calculated by taking into account the income and wealth of a household. The formula for ISEE is publicly available on the ISEE website.
4. Does the inclusion of loans in the ISEE calculation apply to all loan types?
Yes, all types of loans should be included when calculating ISEE.
5. How does the inclusion of loans in the ISEE calculation affect scholarships and benefits?
The answer to this depends on individual circumstances. Those with a high amount of existing loans and debts, but also high income, are likely to lose out on these benefits. Conversely, individuals who did not previously qualify for subsidies might now be able to access them thanks to a lower ISEE score.
