Because it is better to co-register the current account
As many taxpayers will know, the amount of ISEE income is very important for the request for some subsidies or economic benefits towards the state. The lower the calculated value, the less expensive the child’s university fees will be, the lower the health ticket payment, the easier the access to benefits. In order for the audience of savers to have easier access to the facilities, it is sometimes necessary to use strategies to reduce the ISEE. One of the most interesting solutions could be to co-register the current account to lower the ISEE income. There are, however, some precautions to be used in choosing the co-holder as we will see.
Attention to some formal aspects
To the extent that you decide to co-register a bank or postal account with another person, from a formal point of view, this happens: the deposit present on it is distributed to the extent of 50% each. This means that if there are two co-holders, the money in the account is half of one and half of the other. This formal aspect could become a real form of donation in the event of the death of one of the two that can be avoided as suggested here.
How to choose the joint account holder
Co-register the current account to lower the ISEE income. If you continue along this path, then you will have to pay attention to some aspects.
The co-nominee, in fact, must not be a member of the family unit. This is because, otherwise, the two incomes would add up for the purpose of the ISEE calculation. As we know, this type of calculation is performed automatically thanks to the precompiled ISEE. Therefore, one cannot think of co-entering an account with the family member and dissociating the two incomes.