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A taxpayer asks whether they can continue deducting mortgage payments for their primary residence if they switch banks by cancelling the existing loan and taking out a new one. The DGT responds that the right to deduction is not lost if cancellation and renewal occur in the same transaction.
Cuestión planteada Si, tras realizar la operación de reestructuración, mediante cancelación y nueva contratación de préstamo, tendrá el mismo derecho a deducir por las cuantías que por este amortice o satisfaga.
La novación, subrogación o sustitución de un préstamo no agota las posibilidades de practicar la deducción, siempre que el nuevo préstamo se destine a amortizar el anterior. Para mantener el derecho, la cancelación del préstamo originario y la firma del nuevo contrato deben producirse de forma simultánea. No será deducible la parte proporcional de las cuotas que corresponda a un incremento del principal destinado a fines distintos a la adquisición de la vivienda.
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