At Cabrera Abogados we are clear that no bank gave you the real opportunity as a consumer to choose between IRPF or any other index, nor did it explain to you the real functioning and hidden impact that its application would have, since, knowing this, no one would have chosen it freely. From our law firm we fight to give you all the transparency that the bank did not give you! Contact us through our online contracting and we will regularise your loan.
Now you can get back what you deserve with our IRPHlawyers, because finally the Europe Union gives us the chance to claim IRPH on those mortgages affected by it, being able to get back any overpayment if you have had an abusive index, such as the EURIBOR.
¡Stop IRPH! We help you claim IRPH
WHAT ARE THE REQUIREMENTS TO DEDUCT THE MORTGAGE ON THE RENT?
- The home must be your habitual residence
- To have bought the home before 2013, January 1st. On this date was eliminated the deduction, so if it was not applied before this date, you can not deduct it on the PIT declaration.
- To have applied the deduction to deduct the mortgage on 2012 or on the previous years, as explained by the Tax Agency.
HOW MUCH CAN YOU DEDUCT FROM YOUR MORTGAGE AT THE MOST?
You can deduct up to 15% from the amount given back to your bank, with a limit of €9.040. This means that what you save goes up to €1.356 on the PIT declaration.
WHAT EXPENSES FROM THE MORTGAGE CAN YOU DEDUCT?
As we know, there are several mortgage expenses that must be paid by you instead of the bank. These expenses, always under €9.040, are the following:
- Opening fee.
- Connected insurance.
- Expenses when buying a house, such as administrators, notary and other fees.
- Cancelation fees.
- Expenses for swapping Banks
Here you can see some of the judgements won by our IRPH lawyers.
We help you to claim IRPH
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Nuestro proyecto de implantación y desarrollo de soluciones de transformación digital en la gestión empresarial / incorporación de estrategias de marketing digital en la actividad de la empresa en la localidad de Córdoba, que tiene como objetivo contribuir a la modernización digital y a la mejora de la competitividad de las entidades andaluzas, ha recibido una ayuda de la Unión Europea y de la Junta de Andalucía con cargo al Programa Operativo FEDER de Andalucía 2014-2020.