{"id":13988,"date":"2022-01-21T11:39:41","date_gmt":"2022-01-21T10:39:41","guid":{"rendered":"https:\/\/52.31.48.128\/blog\/?p=13988"},"modified":"2025-02-19T11:03:26","modified_gmt":"2025-02-19T10:03:26","slug":"desgravar-hipoteca-vivienda","status":"publish","type":"post","link":"https:\/\/www.aedashomes.com\/blog\/desgravar-hipoteca-vivienda\/","title":{"rendered":"Desgravaci\u00f3n de la hipoteca de la vivienda"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo desgravar una hipoteca?<\/h2>\n\n\n\n<p>En la legislaci\u00f3n espa\u00f1ola existen una serie de cl\u00e1usulas que permiten la desgravaci\u00f3n por hipoteca cumpliendo una serie de requisitos. Esto significa que se puede reducir considerablemente el pago de las cuotas mensuales de tu hipoteca. Sigue leyendo para enterarte de c\u00f3mo desgravar la hipoteca en la declaraci\u00f3n de la renta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Requisitos para desgravar la hipoteca<\/h2>\n\n\n\n<p>Existen dos requisitos que la Agencia Tributaria exige para quienes quieran gozar de la deducci\u00f3n por adquisici\u00f3n de vivienda. Con esta medida se puede desgravar hasta un 15 % del total de la inversi\u00f3n.<\/p>\n\n\n\n<p>Se deben cumplir dos requisitos:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Haber firmado la hipoteca en una fecha anterior al mes de enero de 2013.<\/li><li>Que la compra haya sido realizada para la adquisici\u00f3n de vivienda habitual.<\/li><\/ol>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"908\" height=\"605\" src=\"https:\/\/www.aedashomes.com\/blog\/wp-content\/uploads\/2021\/07\/desgravar-hipoteca.jpg\" alt=\"cuanto desgrava la hipoteca\" class=\"wp-image-13989\" srcset=\"https:\/\/www.aedashomes.com\/blog\/wp-content\/uploads\/2021\/07\/desgravar-hipoteca.jpg 908w, https:\/\/www.aedashomes.com\/blog\/wp-content\/uploads\/2021\/07\/desgravar-hipoteca-300x200.jpg 300w\" sizes=\"auto, (max-width: 908px) 100vw, 908px\" \/><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfCu\u00e1nto desgrava la hipoteca?<\/h2>\n\n\n\n<p>Si nos preguntamos cu\u00e1nto desgrava la hipoteca despu\u00e9s de comprobar que cumplimos los requisitos mencionados podemos concluir que se puede reducir la carga del impuesto hasta en un 15 % sobre una base m\u00e1xima de 9.040 \u20ac por contribuyente, es decir, que lo m\u00e1ximo que puedes desgravar de la hipoteca son unos 1.350 \u20ac. Sin embargo, si se compra en pareja la casa, al hacer las rentas por separado se pueden deducir hasta 2.700 \u20ac.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo desgravar mi hipoteca?<\/h2>\n\n\n\n<p>Lo primero es que Hacienda establece esta deducci\u00f3n solo para viviendas habituales. Una vivienda habitual es aquella donde se ha comenzado a vivir antes de los 12 meses a partir de la fecha de su adquisici\u00f3n y la cual ha sido nuestro lugar de residencia durante 3 a\u00f1os despu\u00e9s de su compra. Tambi\u00e9n hay gastos adicionales de cuya deducci\u00f3n puedes beneficiarte como:&nbsp;<br><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Cuotas del pr\u00e9stamo.<\/li><li>Comisi\u00f3n de apertura.<\/li><li>Seguros vinculados al pr\u00e9stamo.<\/li><li>Gastos de constituci\u00f3n del cr\u00e9dito.<\/li><li>Gastos de escrituraci\u00f3n de la vivienda.<\/li><li>Gastos de modificaci\u00f3n del cr\u00e9dito hipotecario.<\/li><li>Gastos de liquidaci\u00f3n de la hipoteca.<\/li><\/ul>\n\n\n\n<p>Para desgravar la hipoteca basta con rellenar los datos en el borrador de la declaraci\u00f3n de la renta antes de presentarlo. \u00danicamente hay que completar las casillas con los datos que solicitan para hipotecas de vivienda habitual anterior a 2013.<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfC\u00f3mo desgravar una hipoteca? En la legislaci\u00f3n espa\u00f1ola existen una serie de cl\u00e1usulas que permiten la desgravaci\u00f3n por hipoteca cumpliendo una serie de requisitos. Esto significa que se puede reducir considerablemente el pago de las cuotas mensuales de tu hipoteca. Sigue leyendo para enterarte de c\u00f3mo desgravar la hipoteca en la declaraci\u00f3n de la renta&#8230;.<\/p>\n","protected":false},"author":15,"featured_media":14054,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[210],"tags":[],"class_list":["post-13988","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casas-del-mundo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u25b7 Desgravar hipoteca de vivienda habitual | AEDAS Homes<\/title>\n<meta name=\"description\" content=\"\u00bfSab\u00edas que es posible la desgravaci\u00f3n de hipoteca de tu vivienda? \u2b50 En este post te daremos todos los detalles \u2705\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.aedashomes.com\/blog\/desgravar-hipoteca-vivienda\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u25b7 Desgravar hipoteca de vivienda habitual | AEDAS Homes\" \/>\n<meta property=\"og:description\" content=\"\u00bfSab\u00edas que es posible la desgravaci\u00f3n de hipoteca de tu vivienda? 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