{"id":2497,"date":"2025-02-04T10:18:00","date_gmt":"2025-02-04T10:18:00","guid":{"rendered":"https:\/\/joseselles.com\/elementor-2482\/"},"modified":"2025-02-21T12:47:06","modified_gmt":"2025-02-21T12:47:06","slug":"elementor-2482","status":"publish","type":"post","link":"https:\/\/joseselles.com\/en\/elementor-2482\/","title":{"rendered":"Which mortgages can the installments be deducted in the income tax return?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2497\" class=\"elementor elementor-2497 elementor-2482\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21d8e848 e-con-full e-flex e-con e-parent\" data-id=\"21d8e848\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34892439 elementor-widget elementor-widget-heading\" data-id=\"34892439\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Which mortgages can the installments be deducted in the income tax return?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62043ab5 elementor-widget elementor-widget-image\" data-id=\"62043ab5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"465\" src=\"https:\/\/joseselles.com\/wp-content\/uploads\/2025\/02\/WhatsApp-Image-2025-02-03-at-09.39.34-1-1024x595.jpeg\" class=\"attachment-large size-large wp-image-2525\" alt=\"\" srcset=\"https:\/\/joseselles.com\/wp-content\/uploads\/2025\/02\/WhatsApp-Image-2025-02-03-at-09.39.34-1-1024x595.jpeg 1024w, https:\/\/joseselles.com\/wp-content\/uploads\/2025\/02\/WhatsApp-Image-2025-02-03-at-09.39.34-1-300x174.jpeg 300w, https:\/\/joseselles.com\/wp-content\/uploads\/2025\/02\/WhatsApp-Image-2025-02-03-at-09.39.34-1-768x446.jpeg 768w, https:\/\/joseselles.com\/wp-content\/uploads\/2025\/02\/WhatsApp-Image-2025-02-03-at-09.39.34-1-1536x892.jpeg 1536w, https:\/\/joseselles.com\/wp-content\/uploads\/2025\/02\/WhatsApp-Image-2025-02-03-at-09.39.34-1.jpeg 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40f90978 elementor-widget elementor-widget-text-editor\" data-id=\"40f90978\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Why are some families able to deduct mortgage payments every year in their income tax return and others not? In Spain, the deduction for investment in primary residence was abolished as of January 1, 2013. <\/p>\n<p>This modification was established in Law 16\/2012, of December 27, which introduced a transitory regime for those taxpayers who were already applying this deduction. According to this regime<strong>, those mortgages signed after January 1, 2013 cannot be deducted in the income tax return<\/strong>. <\/p>\n<p>However, mortgage loans signed before that date may continue to benefit from <strong>a deduction of 15%<\/strong> on the amounts paid on the mortgage, with <strong>an annual limit of 9,040 euros<\/strong>, as established in the transitional regime: &#8220;<em>A transitional regime is established whereby all taxpayers who have acquired their primary residence before December 31, 2012 or paid amounts before that date for the construction, expansion, rehabilitation or performance of works for reasons of disability in their primary residence may continue to practice the deduction for investment in housing in future years<\/em>&#8220;.<\/p>\n<p><strong>Those mortgages signed after 2013 cannot be deducted in the income tax return<\/strong>. That is why it is an important element to consider for all those families who want to study a mortgage subrogation or change in their mortgage, if it is dated before 2013. <\/p>\n<p>Before taking out a mortgage or modifying the conditions of the one you have, <strong>request a free personalized study<\/strong> to assess the viability of the operation and consider the different options for paying off the mortgage earlier than initially planned at no cost.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Which mortgages can the installments be deducted in the income tax return? Why are some families able to deduct mortgage payments every year in their income tax return and others not? In Spain, the deduction for investment in primary residence was abolished as of January 1, 2013. This modification was established in Law 16\/2012, of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2525,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2497","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"_links":{"self":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts\/2497","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/comments?post=2497"}],"version-history":[{"count":7,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts\/2497\/revisions"}],"predecessor-version":[{"id":2536,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts\/2497\/revisions\/2536"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/media\/2525"}],"wp:attachment":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/media?parent=2497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/categories?post=2497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/tags?post=2497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}