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The applicant asks whether they can continue to claim deductions for the repayment and interest of a new loan that replaces a previous one for their principal residence. The Directorate General for Taxes (DGT) responds that replacing or extending a loan 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 o ampliación de un préstamo no concluye el proceso de financiación ni agota la deducción, pues solo modifica las condiciones acordadas. Las cuotas del nuevo préstamo dan derecho a deducción en la parte proporcional atribuible a la amortización del préstamo originario. Si la ampliación del principal sirve para cubrir los costes de cancelación del préstamo anterior, también será objeto de deducción. 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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