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A query was raised regarding whether receiving a reverse mortgage constitutes income subject to Personal Income Tax (IRPF). The Directorate General for Taxes (DGT) ruled that, provided regulatory requirements are met, these amounts are not considered taxable income.
This ruling provides legal certainty for seniors using reverse mortgages, confirming that the funds received do not increase their tax burden under Personal Income Tax.
The tax team reviews your specific situation.
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