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The consultant asked whether the deduction for home ownership could continue after replacing a personal loan with a mortgage to pay off the first. The DGT confirms that loan replacement does not extinguish the right to deduction, provided the new loan is used to repay the previous one.
Cuestión planteada Posibilidad de seguir practicando la deducción por inversión en vivienda habitual por las cantidades que satisfaga por la amortización del nuevo préstamo.
La sustitución de un préstamo por otro con distintas condiciones no implica que concluya el proceso de financiación de la inversión. Las cuotas del nuevo préstamo (amortización e intereses) dan derecho a la deducción en la parte proporcional atribuible al préstamo originario destinado a la vivienda. No obstante, si se produce una cancelación de deuda y una posterior obtención de crédito sin continuidad directa, se entendería que son operaciones distintas y se perdería el derecho a la deducción.
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