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A credit institution has enquired whether the work of an agent marketing combined mortgage loans and insurance is exempt from VAT. The DGT has determined that the exemption depends on whether the agent performs active mediation or is limited to the mere provision of information.
Cuestión planteada 1. Si la actividad del agente en el proceso de comercialización del préstamo hipotecario queda exenta del Impuesto sobre el Valor Añadido.
Para que la mediación en productos financieros esté exenta, el agente debe ser un tercero que realice funciones de captación, asesoramiento o negociación activa, y no un mero transmisor de información. En seguros, la exención aplica a la captación de clientes, el asesoramiento y los trabajos previos a la contratación, pero no al simple suministro de datos o información sin acciones adicionales para ayudar a la celebración del contrato. El mero soporte administrativo o de 'back office' no goza de la exención.
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