Mortgage Loans: Useful tool for buying the house
For some years, the mortgage loans are viewed by Italians as a useful and convenient tool for the purchase of the house.
Interest rates, more and more convenient, time for repayment, very long, the flexibility of various offerings, have made the mortgage loan a more attractive opportunity to purchase the house and avoiding the rent avoiding the wait time usually necessary to save the budgeted amount for the purchase, with positive consequences:
Fix now today the purchase price and have immediately available for housing, defer the payment.
Moreover, the convenience of using the loan also stems from the possibility to deduct the interest on your tax return.
In the case of acquisition the house, you may deduct 19% of accrued interest in and use the loan for the purchase of the dwelling itself, up to a maximum of € 3615,20.
In order to take advantage of this facility, the property must be used as main dwelling within 12 months after purchase.
The spouse who has a tax burden also can deduct two shares, although obviously the maximum limit of € 3615,20.
The right to deduct it is only on condition that each of the spouses is at the same time, buyer and owner. It follows that:
- If both are agents of the loan, but only one buyer, only they can use the deduction is limited to its share (even for dependent spouse);
- If both are buyers, but only one is owner of the loan, the deduction will only to the latter.
Also, remember other details:
- is the bare owner to deduct interest and not the usufructuary;
- it is not for the deduction for the purchase of a house by a family, such as when a parent is agreed the loan for the purchase of the house to his son.
Beyond many aspects, even positive, mortgage and above, in part, carried over, you should always trust, from the first request for information up to the practice and the conclusion of the final act, a trusted and preparations credit counselors of their own confidence in order to have a clear, updated and comprehensive of the various types of mortgage market and all their various
