If you signed the mortgage before this year, you can deduce more than 2,000 euros in the income statement

Resorting to a mortgage is usually the most common way to access The purchase of a home In our country. Paying fractionally for years allows flexibility when acquiring a good that involves a high cost, for the majority, difficult to gather at once to make a unique payment.

In addition, be the owner of a house or floor can affect when doing Our income statement year after year. Specifically, there are options to deduce part of the expenses of a mortgage in this statement, although this depends on several factors.

The main one is referring to the year in which the mortgage was signed. Thus, for the Aeat (State Agency for the Tax Administration) grant Disconnect the mortgageits signing must have done Before January 2013that is, from 2012 back in time.

If you are one of the people who entered a mortgage in those years, you can get certain tax advantages, as long as You also meet these requirements that are indicated on the website of the Tax Agency: That in the declaration of the Income of 2012 or of previous years the deduction of this type would have already been applied and that the mortgaged housing corresponds to the usual place in which it is lived. In this way, the “Deduction for investment in habitual housing ‘can be marked in the income statement.

How much can be deduced from a mortgage in the income statement?

Fulfilling the requirements that we have told you previously, in your income statement you can deduce a certain amount depending on what is paid in the mortgage during the year.

As indicated from the ‘Tricoteca’ portal, if you are in this case the deduction to which it can be chosen is at least, 15% about what has been paid in the year and on a maximum base of 9,040 euros. Thus, you will save about 1,350 euros at most at the income tax.

If this is the case of a mortgage with two holders, this amount would double by deducting the mortgage, so the savings could become more than 2,700 euros in total. Regarding modifications in the mortgage, if they occur, it may continue to opt for deduction less in the case of expanding its capital. In that case, the deduction would only apply in the capital part that was before expanding it.