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The applicant asks whether replacing an existing mortgage with a new loan that includes an increase in the principal amount preserves the right to the tax deduction for investment in the main residence. The Directorate General for Tax (DGT) rules that substituting a loan does not exhaust the right to the deduction, provided the new loan is used to repay the previous one.
This ruling provides legal certainty for taxpayers seeking to refinance their mortgages, confirming that restructuring debt does not automatically trigger the loss of tax benefits related to primary residence investments.
The tax team reviews your specific situation.
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