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A taxpayer entitled to the transitional regime for the principal residence deduction asks whether they can continue to apply it after subrogating or cancelling their loan to contract a new one with better terms. The DGT rules that replacing one loan with another does not exhaust the right to the deduction, provided the new loan is used to amortise 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 de un préstamo por otro no implica que concluya el proceso de financiación ni que se agoten las posibilidades de deducción, ya que solo modifica las condiciones de financiación. Las cuotas de amortización, intereses y gastos del nuevo préstamo darán derecho a deducción si se destinan a la amortización del préstamo originario. No obstante, una cancelación de deuda seguida de una nueva obtención de crédito sin continuidad se consideraría una operación distinta que perdería el derecho a la deducción. En caso de cancelación con parte del principal del nuevo préstamo en el mismo acto, el derecho se mantiene.
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