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The query asks whether replacing a mortgage loan allows continued eligibility for the home investment deduction. The DGT responds that loan replacement does not extinguish the right to the deduction, provided the new loan is used to repay the previous one.
Cuestión planteada
La sustitución de un préstamo no implica la conclusión del proceso de financiación, sino una modificación de las condiciones acordadas. Las cuotas de amortización, intereses y gastos del nuevo préstamo darán derecho a la deducción en la parte proporcional atribuible a la amortización del préstamo originario. No obstante, una cancelación seguida de una nueva obtención de crédito sin continuidad se consideraría una operación distinta que perdería el derecho a la deducción.
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