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The taxpayer asks whether they can continue to deduct the principal repayments and interest of a new loan that replaces a previous one to remove an ex-spouse as a joint borrower. The Directorate General for Tax (DGT) responds that replacing one loan with another does not exhaust the right to tax relief, 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 posibilidad de practicar la deducción por inversión en vivienda habitual. Las cuotas del nuevo préstamo darán derecho a deducción en la parte proporcional que sea atribuible a la amortización del préstamo originario destinado a la adquisición de la vivienda. No será objeto de deducción la parte proporcional de las anualidades que corresponda al incremento del principal derivado de la ampliación. La deducción se pierde si se produce una cancelación de la deuda y una posterior obtención de crédito sin continuidad entre ambos.
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