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A taxpayer has enquired whether they can continue to claim tax relief for investment in their main residence after cancelling their current mortgage and taking out a new one with a different lender. The Directorate General for Taxes (DGT) has ruled that the right is maintained provided that the cancellation and the new agreement occur simultaneously and the new loan is used to repay the previous one.
Cuestión planteada Si tras realizar la operación de cancelación y sucesiva contratación del nuevo préstamo hipotecario seguirá manteniendo el derecho a practicar la deducción por inversión en vivienda habitual.
La novación, subrogación o sustitución de un préstamo no agota las posibilidades de practicar la deducción, siempre que el nuevo préstamo se dedique efectivamente a la amortización del anterior. Para no perder el derecho, la cancelación del préstamo originario y la firma del nuevo contrato deben producirse de forma simultánea. Si la cancelación y la nueva contratación ocurren en momentos diferentes sin conexión directa, se entendería que son operaciones distintas y se perdería el derecho a la deducción por la nueva financiación.
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