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The consultant asks whether changing banks by cancelling the current mortgage and taking out a new one will result in losing the right to deduct investment in primary residence. The DGT responds that if the operation is carried out in a single act simultaneously, the right to deduction is preserved for amounts paid.
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 dedique a la amortización del anterior. Para mantener el derecho, la cancelación del préstamo anterior y la firma del nuevo contrato deben producirse en un mismo acto de forma simultánea. No será deducible la parte proporcional de las anualidades que corresponda a un incremento del principal destinado a fines distintos a la adquisición de la vivienda.
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