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A taxpayer has enquired whether they can continue to claim tax relief for investment in their main residence after refinancing their mortgage, and whether the costs associated with this operation are deductible. The Directorate General for Tax (DGT) has ruled that this is possible provided the new loan is used to repay the previous one, allowing for the deduction of instalments and related expenses.
Cuestión planteada Posibilidad de seguir practicando la deducción por inversión en vivienda habitual por las cantidades que satisfaga por la amortización del nuevo préstamo. En caso afirmativo, si, además, puede practicarla también en función de los gastos globales ocasionados en la cancelación y constitución de uno y otro préstamo, respectivamente.
La sustitución de un préstamo por otro no agota el derecho a la deducción, ya que solo modifica las condiciones de financiación. Las anualidades, intereses y gastos del nuevo préstamo (incluida la cancelación registral) dan derecho a deducción en la parte proporcional atribuible al préstamo original destinado a la vivienda. No obstante, si se cancela la deuda y se obtiene un nuevo crédito sin continuidad entre ambos, se perdería el derecho a la deducción por la nueva financiación.
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