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The section Questions and Answers receives a large number of inquiries about mortgage issues , accounts, deposits and personal loans.
Recently we made a selection of questions and answers about mortgage that we had seemed more interesting.
In this blog I will emphasize some mortgage questions I have tried clearing in Bankimia and may be of interest to visitors. This time we see one on a tax question: lose the deduction for the purchase of principal residence if a subrogation in 2011 ?
"Extension of mortgage or subrogation?
Question: I have a mortgage since 2002 and wanted to extend it for 3 years and at first I said no problem, then I was told not kept the conditions. I have eurÃbur + 0.40. What do you advise? I can subrogated to any other entity? If the surrogate Thank continue to be entitled though our income tax refunds exceeding 24,000 euros?
My answer: The subrogation not alter the time of purchase, which is the account when you know if it follows the same benefit deduction for the purchase of residence from 2011 .
Those who have bought from 1 January 2011 if they are altered the deduction.
Also note that if you want to subrogarte and request an extension (innovation) then many banks will not accept the operation as a consider debt consolidation loans and .
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