Account housing

If you want to start saving plan in time for the purchase of housing, currently the best option is to open an account Housing.
Its main feature is the tax advantages that incorporates interesting: according to current legislation allows tax-deductible, for a maximum of 4 years, 15% of the amount invested in this account not exceeding € 9,000 per year. For accounts opened before 1.1.1999, the deadline is 5 years.
In addition, the accounts typically offer housing an interest rate slightly higher than other accounts. The only limitation is that the funds can only be a destination for purchase, construction, expansion or rehabilitation of housing usual and this investment must be done in the time limits set out in the previous paragraph, because otherwise must return the reductions obtained .
Do not forget, the money you save during this period will be of great help in the future to pay the entrance to his new home.

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# 1 John

January 17, 2007, at 6:08.

The housing account is undoubtedly one of the best financial products that have been brought to market. The tax advantages are huge (a large economic aid) and the proposed timeframe for the purchase of the apartment was large enough to make plans.
But there are still a number of points that are not entirely clear:
- The first is the term: 4 years (or 5 depending on when it was opened). But the question is whether you can deduct for 4 consecutive years and is the fifth (or sixth) when you have to buy the house, or is in the final year of relief when you have to buy the apartment. ¿Someone knows sure how this works?
- Another aspect to consider is that I get the impression that the account is a normal house but it has changed the nomenclature. In fact it has already gone a court order giving any reason for people who wanted to benefit from tax benefits and did so through any other product offered by the bank, simply requiring that the money was used in the purchase of a home.
- Finally, point out that the amount of annual limit is exactly 9015.18 euros. I say to those who want to exploit every last drop of this opportunity

+11

# 2, Gilberto

January 17, 2007, at 7:47.

"These requirements must be understood so narrowly, ie, that the balances in the account must be devoted to the acquisition or rehabilitation of housing that will be the usual residence of the taxpayer, which is assimilated construction,
within a period of four years since the opening of the account (five years for accounts opened before January 1, 1999).

On this basis, housing an account opened on June 23, 1999 is the deadline to realize their balance in the acquisition or rehabilitation of housing usual until that day of the year 2003 (the deadlines for years are computed on a date Date: Articles 5.1 and 48.2 of the Civil Code of the Law on Legal Regime of Public Administration and Common Administrative Procedure), and the deduction is practiced on the amounts deposited in the account housing in the period of time between the dates mentioned in Tax statements for those tax periods.

The materialization of the account balance housing can be done by acquiring a house under construction or already built. "

http://www.cajamar.es/productos/pdf/guia_fiscal_2006/10.pdf

This is possibly the confusion, or before January 1, 1999 were five years, whereas now it is four. Anyway, there's no need to exhaust is not the time after that you do not have to buy that house (if not go into a rehabilitation). .-)

With regard to another point, you are quite right, but not worth being confronted with the tax legally, do it in a clear, acogiéndote to the house of a bank account. Of course, is studying the interest that you offer each of them.

# 3, Andreina

January 19, 2007, at 18:35.

hello

-8

# 4, Juan

March 20, 2007, at 16:40.

The housing money from the account I can use to pay a portion of the purchase of new housing and another part to the typical initial reforms of housing?

+10

# 5, Gilberto

March 20, 2007, at 17:57.

It's a question you should do the same to the Treasury, John, but he says the law will lose the right to deduct, among other reasons:

"When the taxpayer has amounts deposited in the account for housing purposes other than the acquisition or rehabilitation of housing usual. In case of partial disposal means that the amounts provided are the first lodged. "

http://www.aeat.es/wps/portal/DetalleContenido?idioma=es_ES&channel=cf4da8b203049010VgnVCM1000004ef01e0a____&site=56d8237c0bc1ff00VgnVCM100000d7005a80____&ver=L&content=80b8e98fd7d27010VgnVCM10000050f01e0aRCRD&ancla=7

In my view, what we raise is an improvement, but not a rehabilitation. .-)

# 6, jose

March 28, 2007, at 9:50.

When talking about the return (if he has not bought a house at the time) of the capital that you have given over the repayment of interest, such interest on late payments has far amount?

a greeting

# 7, Gilberto

March 28, 2007, at 12:09.

Jose, default interest would be what would have raised the money from the moment it has hired the house until its term expired. It will not be a large amount compared to the deductions ( "capital that has given you"), you also have to be repaid. You can go through the Treasury to ask, but on this site, "Worker Banking" explains how you would be:

http://www.burbuja.info/inmobiliaria/showthread.php?t=16300

# 8, jose

March 28, 2007, at 13:50.

Gilberto thank you very much for your response.

There is something that I have nothing clear in the bank as they tell me one thing and by telephone at ranch tell me otherwise:
The account was opened on 14-03-2005 housing so four years ago on 14-03-2009
I have to have a house or paying an under construction before that date so I can 14-03-2009 or buy a home over the 2010 (as they say in the bank)
I hope to have explained well
a greeting and thanks

# 9, Gilberto

March 28, 2007, at 15:35.

Take care. Some time ago one could wait a year missed the deadline, but, right now, the law is very clear, you have to acquire it prior to the deadline expires, or March 14, 2009. For any doubt prosecutor, my friend, always fiat of the Treasury, never from your bank.

# 10, Gilberto

March 28, 2007, at 15:43.

A link where you explain very well how is the housing account and how to get the most from:

http://www.cincodias.com/finanzasper/guias/3.vivienda/compra9_1_1.htm

# 11, Carlos

April 4, 2007, at 10:19.

Hello. My case is similar to that of John. I want to pay the chaste of buying the first home with half the money I have in mind the house and with the other party that remains for me to do anything more reform receive the keys. Do you do that? I understand that any money would be earmarked for the purchase and rehabilitaciión of the first home!

# 12, Gilberto

April 4, 2007, at 11:00.

You can do whatever you come in wins, Carlos; other thing is that it is legal. The housing money from the account must be allocated to the acquisition or rehabilitation. Rehabilitation work is understood as not being habitable or special needs (imagine an invalid). However, what you raise is an improvement, it does not fall within the conditions. If alleges rehabilitation saves the bills if you make an inspection.

# 13, Ricardo

April 9, 2007, at 9:08.

Hello. My doubt comes in the term "home buying." He had open since December 2002, a housing account, in those four years was making the deductions. In December 2006 I bought a house, but not write, I signed the contract with a private developer. I must repay the deductions of these four years, as it is not just writing private contract with the promoter. A greeting

# 14, Gilberto

April 9, 2007, at 11:53.

Talk to the Treasury, Ricardo, but is thinking that you will accept this contract provided that in private you've handed the money deposited in the account housing, but not put your hand in the fire. They are the best that you can clarify this question.

# 15, Sergio

April 10, 2007, at 9:08.

Hello, my question is of the opinion that most of legality, I opened an account housing the January 15, 2003, it had to provide before the Jan. 15, 2007 (I think I am not mistaken), this would make the contribution to the housing cooperative in which I pointed out, but believe that the account was opened in June 2003, trusted me and I was past the legal deadline to make the contribution, my questions:
¿Merecece the penalty to make the contribution out of time?
If I perform the injection is possible that finances forgive the mistake?
Can I deduct the sums in the year 2006?

Thank you very much for your page, your answers and your attention,

# 16, Gilberto

April 10, 2007, at 10:24.

Sergio, I am not a lawyer, only one person who uses logic and your question is more a legal opinion really. As I said there, this kind of very specific questions it is better to talk to the Treasury rather than a forum. Anyway, I hope someone can help me here, but if that does not happen ...

It is my understanding and applying the logic, you've passed the deadline (for carelessness or whatever) and you'll have your sanction, or repay the amounts you desgravado these years. Making the provision out of time I do not think that would prevent the return and whether or not deduct the amounts of 2006 is absurd because they will have to be returned.

Anyway, I repeat, Check over there and talk to them if there is a side door, which is what you're looking for. They may be sympathetic, but if they do, you'll be asked paper or a justification. But do not let you go ... .-)

-1

# 17, Pablo

April 15, 2007, at 15:55.

Hello who can help me!
I am thinking of buying a house with my partner through a cooperative by what I have to make an initial contribution important enough (over 20,000 euros), as I understood that I can deduct for tax as an input for a first home. Now go my doubts:

1. If we are 2 people, is it possible to deduct the two to buy the same house?, Meaning that each made contributions of 9000 euros each year and therefore tax deductible each in their tax return.

2. The deadline for delivery of housing is estimated at around 3 ½ years (in the end I suppose it will be more ...). What happens if the completion of the work is delayed by more than 4 years? The contributions to a cooperative do they have the same relief and the same deadlines as a shelter? Can I extend the most?

3. It will be better, not that contribution Deduct start to the cooperative as housing and next year I opened an account housing, to ensure that even if there are delays in delivery of housing, they do not exceed 4 years of the housing account?

Thank you very much

# 18, Belen

April 16, 2007, at 23:42.

Hello:
I have a query about the housing account. I opened it in late 2005 and the declaration of 2005 I deduct their share of contributions but in 2006 not clear to me what I can deduct because in 2006 I used the exception, which joined in 2005 and Part of what I entered in 2006, for the construction of a house (architect, surveying, site preparation, the municipality taxes, etc.), I have bills and such. I understand that what you can deduct what they contribute to the account housing (aport. 2006) but also what you spent on construction, but in my case is the same money that I contributed to the CTA and housing is not logical I guess it legal or what Deduct 2 times but as specified in the statement of income for the record that I have already used part of the balance of the CTA vivienda.No I want to find past 4 years with a problem with the Treasury for having used The balance of it before maturity and in previous years. Can I help you?
Thank you

# 19, Gilberto

April 17, 2007, at 1:19.

Paul, Bethlehem callers to the Treasury.

INFORMATION income 901 33 55 33
Hours: Monday through Friday from 9 to 21 hours from April 16 to July 2.
http://www.aeat.es/wps/portal/Informacion?channel=bd60a375c91c3010VgnVCM100000d7005a80____&ver=L&site=56d8237c0bc1ff00VgnVCM100000d7005a80____&idioma=es_ES&menu=1&img=8

# 20, Ramon

April 30, 2007, at 18:39.

My question is this:
I make regular contributions to a construction company with which I have a contract ce buying a new house. Do the sums in the year 2006 can deduct?. It should be borne in mind that I have yet to housing and therefore the concept can not be for housing and equally usual is not an account of housing. I would appreciate it if someone disputes, thanks in advance.

# 21, Gilberto

April 30, 2007, at 18:45.

Yes you can, Ramon. You have to include it in deductions for acquisition or rehabilitation of housing usual, without external financing, because it will be your usual home or is it not? Otherwise, you can only deduct up to € 9015.18; anything that exceeds that amount is not tax deductible. In the Treasury also can educate you. .-)

# 22, Ramon

April 30, 2007, at 19:12.

Gilberto thank you very much.

# 23, yazmin

May 2, 2007, at 23:16.

Hi everyone! me to see if someone can clarify a doubt. In the declaration last year DeGrave what contributed to the account in September housing and remove the money plus another that did not have in mind because I buy a house under construction pisito and had to give input and a letter to the developer. My dilemma is whether the statement that I have to subtract the amount q I have paid the sponsor, which had already declared last year.?. Another thing is whether it is sufficient to correct the draft for putting this information. GRaciassss

# 24, Gilberto

May 3, 2007, at 10:48.

Comment 19 of this same forum, Yazmin, if no one answered you.

# 25, angel

May 7, 2007, at 8:58.

Advertising of any refund of deductions made by a housing that has not been invested in a house within the deadline.
How do you have to be repaid?. Should one make a complementary statement forever? Is there any point in the declaration normal place where the amounts deducted and interest income or something?. The interest is always to apply a 5%?

Thank you

# 26, Gilberto

May 7, 2007, at 9:41.

I understand that, yes, you have to make a complementary statement (it is better if you do not want them, if they realize, you draw attention with its corresponding penalty). Call Finance. Comment 19.

# 27, Carlos

May 7, 2007, at 13:57.

Hello ... I have doubts as to the income of this year ... I made a home for 4 years and I have bought an apartment with my girlfriend .... within the stipulated time
With money from the account I paid the entrance to the house floor-plan, which was about 10% ... my girlfriend pays a monthly installment payments for another 10% today I have gone to make the income tax return and have told me that as the contract for sale of my apartment fiancée and I .... I just, theoretically? I have contributed 50% of the entrance to the floor ... to be 50% a partial amount of housing has lost the right of all deductions and I have to return everything (with penalties) ... I do not understand the truth ... I find it very seriously , And most if not this very well explained in the article 56 2 b) ....

If you can help me please!

# 28, Pepe

May 7, 2007, at 21:33.

Hello,

I have a house account for 2 years. He brought the amount he had saved as input for the purchase of an apartment under construction. Now I'm making monthly contributions to that floor and is expected to be built within 3 years. As I have already deducted 2 years with the housing account, I would like to know if now with the contributions I can deduct an additional 2 years to complete the 4 or if the counting period starts from scratch, that is, I can deduct the 3 years of construction ladies (even 4 if necessary).

Thank you

# 29, Carlos

May 8, 2007, at 10:18.

With regard to question # 27, I called 901335533 finances and I have indicated that if 50% (as the bill's name appears and the two were supposed to 50% for each) even though I paid 100 % Of the entry.

Also tell me that they only lose a proportionate share and not all the breaks (as I indicated earlier).

I went to the square Letamendi Barcelona put on the register for a consultation regarding the issue ... so to have the answer in writing .... acer power and the declaration ...

# 30, Gilberto

May 8, 2007, at 11:01.

Thanks, Carlos. Pepe hopefully provide us with your solution, when the wearer. .-)

# 31, Pepe

May 8, 2007, at 15:34.

Regarding the message 28:
I have spoken with the Treasury and apparently, as I have said, that when housing close the account before reaching the age of 4 and invest the money in buying a flat under construction (no writing, of course) can come back to a period 4 years for writing such housing. Moreover, if such a lag period of 4 years for housing that you bought in construction and you could not write, you can request a further extension (maximum of 4 years) if there is a justifiable delay in delivery of housing under construction that You are (you must justify the delay with documents, invoices, ...). To request this extension is a period of 60 days since the term of 4 years has ended.
And I tell you this reply I have given in the Treasury, I hope it is reliable and that he would help.

# 32, Carlos

May 9, 2007, at 10:01.

I would like to make another query in the registration of finance ... but I do not see how to do it ... because I can not find access within http://www.agenciatributaria.es/

My floor is for sale ... Like I also affects me.

# 33, Eduardo

May 18, 2007, at 20:13.

I have an account and buy housing in housing construction, and hize several payments, I doubt if it comes to bear in mind for taking it away from the housing account these amounts are with VAT coming in bills (amount actually page) or without VAT.

Also, these letters were deducted from the account instead of the current account housing (according to the bank could not be), can this be a problem .... Or use should account for these housing numbers to the current account to be reflected?
Thank you

# 34, Gilberto

May 18, 2007, at 20:59.

-1

# 35, Nines

May 23, 2007, at 12:57.

Carlos, I have some friends with each housing an account that they are planning to jointly buy because they are a couple. Reading your comment I have been concerned for quite if they could not deduct all of your accounts and houses I called the tax agency. Hence I have explained that the account is a personal one, like the deductions allowed, so that if each invests 100% of the money in the account for housing these years, is entitled to a deduction of 100%. I have no written confirmation. Do you trust? If your written Discuss for us to stay quiet / uneasy. ok?

Thank you

# 36, yolanda

May 29, 2007, at 9:33.

hola.mi case is that I have a very big indeed been a cooperative metida in 5 years, and I did not know I had to ask a porroga, because I have not yet dado.mi question is whether it will have to pay the money to state and mucho.que if it can do and also my husband died a año.crees that tendre problems when I gave the vivienda.me like me who contented themselves as soon as possible.

# 37, Mercedes

May 30, 2007, at 9:43.

Hello. My husband and I are thinking of opening an account housing. The question is: we do not know if we're going to purchase here or abroad.
I asked the bank if they can benefit from the tax decuentos an account of housing but just buy from abroad. I replied that I can profit by buying anywhere in the world.
I've been hanging around and I do not block. In order to do so should hire the mortgage in Spain by buying out? has nothing to do? Thank you

# 38, Gilberto

May 30, 2007, at 10:38.

Yolanda, Mercedes ...

-1

# 39, Joaquin

June 12, 2007, at 1:24.

Hello my case is different, I have a spot that is mine and my girlfriend, now we have decided to build in a house, but we are now bundled with the architect and my house meets the October 16 this year, so no is whether the day will be Oct. 16 and spent all the money that had entered my mind housing. Is there any way that would not have to return money to finance? do I have to take the account to 0 € the Oct. 16? What if I show that I'm building a house? Thank you all.

# 40, jose

June 18, 2007, at 21:39.

Hello, my question is this:

I have a home for which I deducted 4 years, can I invest the direro account of the housing at the entrance of a cooperative? the construction of housing will be for 3 years, how can I deduct those 3 years with the contributions made to the cooperative?

Thank you all.

# 41, eskorbutin

June 19, 2007, at 12:14.

hello

# 42, eskorbutin

June 21, 2007, at 18:18.

Hello
It seems that this is fine for the housing account, but I have a question, as I read allows tax-deductible for up to 4 years, 15% of the amount invested in this account not exceeding € 9,000 per year.

As for this I certainly leaves 1:
1 What does this mean to deduct? that in making the income tax return, I deducted that amount?

Greetings,

# 43, from Mention Trps.ptc.edu.tw
July 25, 2007, at 19:49.

Viagra: Viagra kaeyoqu Eel

# 43, Megaquim

August 30, 2007, at 23:38.

Hello to all my query is as follows, I have a home that meets 4 years on December 31, 2007, but I have not even begun to build my house and by the time that remains for me is that in December there will be even begun to build my house. I can give money to the account builder and get a tax invoice? would be availed to finance so as not to penalize me? architect and the cost of permits have works? Thank you all.

# 44, inherited

September 10, 2007, at 13:16.

This year my account expires housing. I would like to know whether acquiring such money the party is not for me to a home inherited would meet my commitment to allocate such money to purchase my usual housing.

In such a situation would be two houses
1.Vivienda inherited in 1998, currently housing my routine, of which I am the owner by 25%. My brothers would buy the remaining 75%.
2.Vivienda of an inheritance later, to award outstanding (recumbent heritage) that I could spend the money in the account to pay for housing over-allotment (I would only 25%). Logically, this housing could also be placed at my house in my usual place of work.

Please indiquenme if he could spend the money in the account house-to-1. and 2. in accordance with its intended purpose.
In the case of 2., Would it be necessary to pay in cash or over-allotment only with the award of that property to 100%, without money, means that there is no need to buy another house?

# 45, an engineer

November 22, 2007, at 9:37.

Good morning.

My question is this:

I regard housing since December 2005 and just buy a house now in November 2006.

I have already made a payment of 5,000 €, but I have not used the money from the housing account.

My question is if I can use the money from the account to pay for housing deadlines for the mortgage and if I can continue with the housing account for the time I left (December 2009) paara continue desgravando and at the same time be paying part of my first housing usual.

THANKS

# 46 michelle

November 28, 2007, at 15:19.

Good afternoon:
I wanted to do a query. I have a house and I already gave my first payment to the builder. In this regard I will save for the vat, for the second payment and for the expenses of notary, registration, etc..

My question is if these notary expenses, etc. Also entering or on the contrary should be saved in a checking account?

I think it could also come into account housing costs as they are also being made to the usual first home but I read in another forum that maybe not.

Thank you.

-1

# 47, ziozzs

November 29, 2007, at 23:56.

hello: I'm going to buy a protective housing officer shortly. I have a house that expires on December 30. The problem is that I will not be able to sign the contract until a few months and therefore I pass the time of expiry of the account and housing finance would lose what I have been returned by the admissions made in that account. that ye solution. thanks.

# 48, shadow

Dec 4 2007, at 13:09.

hola:
I have a dudilla, we have money in the account and we have taken shelter because it is assumed that in two weeks since we signed the mortgage. Now, I ask, that money can be used to make the kitchen For example. or would be better than what entregasemos to constructura before signing as a last letter?
thanks.

# 49, erika

January 17, 2008, at 23:14.

I would like to know if money from the account to spend at home so I can pay the expenses of the scriptures and VAT?
Also know if I transfer money from the account to the account of housing mortgage credit, but then bag it and use that account to pay for a pestamo staff, I removed everything that I have desgravado?
a greeting

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