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A query was raised regarding the Personal Income Tax (IRPF) treatment of mortgage loan cancellations following the receipt of life insurance payouts due to disability. The Directorate General for Taxes (DGT) ruled that such income must be treated as if the beneficiary were the taxpayer themselves.
Cuestión planteada Tributación en el Impuesto sobre la Renta de las Personas Físicas de las mencionadas prestaciones.
Las rentas derivadas de la prestación por incapacidad de un seguro, cuando el beneficiario sea el acreedor hipotecario con obligación de amortizar la deuda, tienen el mismo tratamiento fiscal que si el beneficiario fuera el contribuyente. Estas prestaciones se consideran rendimientos del capital mobiliario, calculándose el rendimiento por la diferencia entre el capital percibido y las primas satisfechas. Dichos rendimientos constituyen renta del ahorro.
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