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A taxpayer inquired whether they could continue to claim tax deductions for mortgage loan instalments after switching lenders through subrogation or novation. The Directorate General for Taxes (DGT) ruled that modifying financing conditions does not exhaust the right to the deduction, provided the new loan is used to repay the previous one.
Cuestión planteada Si, tras realizar la operación de reestructuración, mediante subrogación o novación del préstamo, tendrá el mismo derecho a deducir por las cuantías que por este amortice o satisfaga.
La novación, subrogación o sustitución de un préstamo 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 al préstamo originario destinado a la vivienda. Si hay ampliación de principal, solo será deducible la parte destinada a cubrir costes de cancelación del préstamo anterior; la parte destinada a otros fines no será susceptible de deducción.
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