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Préstamos entre familiares para vivienda ¿qué hacer? — idealista/news

Préstamos familiares para comprar casa: qué hacer para que Hacienda no lo considere una donación

“Imagina que estás pensando en comprar casa pero que te faltan unos pocos ahorros para poder acceder a una hipoteca –generalmente ya ningún banco presta más del 80% del valor de compraventa o tasación de la vivienda– y pagar los gastos de la operación (notario, escrituras…) que pueden suponer hasta un 10% extra. Imagina, además, que tienes la suerte de que tu familia te puede prestar el dinero que te falta. Pongamos 20.000 euros.

La mayor parte de la gente trataría de hacer la operación ‘en mano’ para que Hacienda no se entere, con el riesgo de sanción que ello conlleva, ogestionándolo como una donación, lo que supone un coste de varios cientos –o miles– de euros en impuestos. Sin embargo, existe una tercera vía: la formalización de un contrato de préstamo entre particulares.

Esta figura legal está recogida dentro del Impuesto sobre Transmisiones Patrimoniales y Actos Jurídicos Documentados, en su modalidad de Transmisiones Patrimoniales Onerosas (TPO). En el artículo 7º 1 B del Texto Refundido de la Ley del ITP y AJD, se dispone que son transmisiones patrimoniales sujetas, entre otras, la constitución de préstamos. Por otro lado, en el número 15 del artículo 45.1 B de este mismo texto legal determina que los préstamos estarán exentos del pago de impuestos cualquiera que sea la forma en que se instrumenten.

Si bien está sujeto a TPO, está exento, lo que supone que la Consejería obliga al contribuyente a presentar el modelo 600, para determinar que existe un negocio jurídico, pero a su vez se puede establecer la exención indicándolo en una de las casillas del propio modelo…”

http://www.idealista.com/news/inmobiliario/vivienda/2016/06/20/742561-prestamos-familiares-para-comprar-casa-que-hacer-para-que-hacienda-no-lo-considere

Origen: Préstamos entre familiares para vivienda ¿qué hacer? — idealista/news

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