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The applicant asks whether they can continue to claim tax relief for investment in their main residence after subrogating or changing their mortgage loan. The Directorate General for Taxes (DGT) responds that replacing one loan with another does not exhaust the right to the deduction, provided the new loan is used to repay the previous one.
Cuestión planteada Posibilidad de seguir deduciéndose por adquisición de vivienda habitual por las cantidades que satisfaga por amortización del principal e intereses del nuevo préstamo, así como por los gastos ocasionados por el cambio de préstamo.
La sustitución de un préstamo, incluso su ampliación, no concluye el proceso de financiación ni agota la posibilidad de practicar la deducción. Las cuotas del nuevo préstamo (amortización e intereses) dan derecho a deducción en la parte proporcional atribuible a la amortización del préstamo originario. No obstante, la parte proporcional de las anualidades que corresponda al incremento del principal por ampliación no será objeto de deducción. Si se produce una cancelación y posterior obtención de crédito sin continuidad entre ambos, se perdería el derecho a la deducción para la nueva financiación.
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