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A taxpayer inquired whether they must pay Personal Income Tax (IRPF) on a loan debt that an insurance policy settled with the bank following her husband's death. The Directorate General of Taxes (DGT) ruled that the discharge of the debt constitutes a capital gain.
Cuestión planteada Tributación en el Impuesto sobre la Renta de las Personas Físicas de la consultante por el importe de la deuda abonada por el seguro a la entidad bancaria tras el fallecimiento de su cónyuge.
La cancelación del préstamo mediante el cobro del seguro supone una alteración en la composición del patrimonio. Esto genera una ganancia patrimonial por el importe del capital amortizado de la deuda adjudicada en la liquidación de gananciales. Al no ser una transmisión, la ganancia se integra en la base imponible general.
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