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A taxpayer inquired whether they could continue to claim tax relief for investment in their main residence when switching banks by cancelling their existing loan and taking out a new one. The Directorate General for Taxes (DGT) ruled that if the transaction is carried out simultaneously, the right to the deduction is not lost.
Cuestión planteada Si, tras realizar la operación de reestructuración, mediante cancelación y nueva contratación de préstamo, tendrá el mismo derecho a deducir por las cuantías que por este amortice o satisfaga. Si los gastos que genere la operación son deducibles.
La novación, subrogación o sustitución de un préstamo no agota las posibilidades de practicar la deducción, siempre que el nuevo préstamo se destine a amortizar el anterior. Si la cancelación y la firma del nuevo contrato se realizan en un mismo acto, los gastos generados por ambas operaciones son deducibles. No obstante, si se produce una cancelación y posteriormente, sin conexión directa, se contrata un nuevo préstamo, se perdería el derecho a la deducción por la nueva financiación. La parte del nuevo préstamo destinada a financiar otros fines distintos a la vivienda no será deducible.
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