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A credit institution has requested clarification on whether an agent's role in marketing mortgage loans is exempt from VAT. The DGT has determined that the mediation exemption requires activity that goes beyond the mere provision of information or administrative management.
Cuestión planteada Si las siguientes actividades desarrolladas por el agente en el proceso de comercialización del préstamo hipotecario quedan sujetas y exentas del Impuesto sobre el Valor Añadido:
La mediación exenta exige que el agente sea un tercero independiente que realice una labor activa de aproximación de las partes, superando el simple suministro de información o recepción de solicitudes. Para que sea exenta, el agente debe concluir un contrato como agente, asesorar y negociar términos, o poner en contacto al cliente con la entidad mediante un análisis o filtrado que aporte valor añadido. Los servicios de gestión administrativa, como cambios de titularidad o ampliaciones de plazo, no están exentos por no ser prestados por el concedente del préstamo.
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