{"id":10162,"date":"2019-02-16T14:00:43","date_gmt":"2019-02-16T19:00:43","guid":{"rendered":"https:\/\/quadranslawandfinance.com\/?p=10162"},"modified":"2019-02-05T11:05:14","modified_gmt":"2019-02-05T16:05:14","slug":"deduction-of-interests-due-to-mortgage-loans","status":"publish","type":"post","link":"https:\/\/quadranslawandfinance.com\/en\/blog\/deduction-of-interests-due-to-mortgage-loans\/","title":{"rendered":"Deduction of interests due to mortgage loans"},"content":{"rendered":"<h1 style=\"text-align: center;\"><span style=\"color: #000000;\"><strong>Deduction of interests due to mortgage loans<\/strong> <\/span><\/h1>\n<p><span style=\"color: #000000;\">Accountancy may be a complicated topic for some people. Occasionally, taxpayers ignore the deductions to which they have the right and tend to leave them unused, despite their importance.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Deductions are the payments or expenses natural persons make to protect themselves. These protections are usually personal or for their families due to their relationship asparents or children. This way, the taxed amount on the annual tax return may be reduced.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">&gt; It may be of your interest to read our entry: \u200b<a style=\"color: #000000;\" href=\"https:\/\/quadranslawandfinance.com\/en\/blog\/annual-financial-statement\/\"><strong><em><u>Annual tax return of natural persons<\/u><\/em><\/strong><\/a><\/span><\/p>\n<p><span style=\"color: #000000;\">\u200bAny natural person can apply a deduction, despite the tax regime, and can be made effective in the moment the \u200bannual Income Tax (ISR) payment is made.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Deductions are expenses that will reduce the obligations in the payment of the annual tax return. These can be personal and classified in categories including health, education, donations, funeral expenses, and mortgage loans.\u00a0<\/span><\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #000000;\"><em>Deductions of mortgage interests were established in 2004.<\/em><\/span><\/h3>\n<p><span style=\"color: #000000;\">All Mexicans that pay a mortgage loan can obtain a devolution from by the \u200bTax Administration Service (SAT) and can deduce the interest paid from this. However, these should not surpass inflation. There must be an annual report of the interests accrued and paid from the mortgage loans destined to a household.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">If you are paying for a household with a mortgage loan, you can obtain a tax benefit and deduce \u200b\u2018\u2019the real interests accrued and effectively paid during the fiscal year of the previous year, through the institutions that are part of the financial system\u2019\u2019, that is, INFONAVIT and FOVISSSTE, among others. Mortgage interests can be deduced only when the value of the loans does not exceed 750.000 UDIs (investment units).\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">The deduction of the interests of a mortgage loan is established in Article 151, Clause IV of the Income Tax Law (LISR). Only the credit of a single household can be deduced because it is a benefit for low-income individuals, and thus financial institutions determine that owning more than one household denotes that the person receives high income.\u00a0<\/span><\/p>\n<h5><span style=\"color: #000000;\"><em>*Deductibility does not apply with mortgages that exceed 4.5 million pesos.\u00a0 <\/em><\/span><\/h5>\n<p><span style=\"color: #000000;\">Resort to a certified accountant to carry out the determination and presentation of tax return and payment. This will help you obtain the best benefits.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">In \u200b<strong><em>QuAdrans Law and Finance<\/em><\/strong> we offer \u200b<strong><a style=\"color: #000000;\" href=\"https:\/\/quadranslawandfinance.com\/en\/accounting\/\"><span style=\"text-decoration: underline;\">accounting advice<\/span><\/a><\/strong> to orient you during any accounting process you need.\u00a0<\/span><\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #000000;\">Legal and Accounting Consulting in Playa del Carmen<\/span><\/h4>\n","protected":false},"excerpt":{"rendered":"<p>Deduction of interests due to mortgage loans Accountancy may be a complicated topic for some people. Occasionally, taxpayers ignore the deductions to which they have the right and tend to leave them unused, despite their importance.\u00a0 Deductions are the payments or expenses natural persons make to protect themselves. These protections are usually personal or for [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":10158,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-10162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accountant"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Deduction of interests due to mortgage loans - QuAdrans law and finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/quadranslawandfinance.com\/en\/blog\/deduction-of-interests-due-to-mortgage-loans\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Deduction of interests due to mortgage loans - QuAdrans law and finance\" \/>\n<meta name=\"twitter:description\" content=\"Deduction of interests due to mortgage loans Accountancy may be a complicated topic for some people. Occasionally, taxpayers ignore the deductions to which they have the right and tend to leave them unused, despite their importance.\u00a0 Deductions are the payments or expenses natural persons make to protect themselves. These protections are usually personal or for [&hellip;]\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/quadranslawandfinance.com\/wp-content\/uploads\/2019\/02\/deducciones-por-creditos-hipotecarios.jpg\" \/>\n<meta name=\"twitter:creator\" content=\"@QuAdrans_\" \/>\n<meta name=\"twitter:site\" content=\"@QuAdrans_\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Redacci\u00f3n QuAdrans\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/quadranslawandfinance.com\/en\/blog\/deduction-of-interests-due-to-mortgage-loans\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/quadranslawandfinance.com\/en\/blog\/deduction-of-interests-due-to-mortgage-loans\/\"},\"author\":{\"name\":\"Redacci\u00f3n QuAdrans\",\"@id\":\"https:\/\/quadranslawandfinance.com\/#\/schema\/person\/1e795a3d0e6c3e3c5d0ba2f035562767\"},\"headline\":\"Deduction of interests due to mortgage loans\",\"datePublished\":\"2019-02-16T19:00:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/quadranslawandfinance.com\/en\/blog\/deduction-of-interests-due-to-mortgage-loans\/\"},\"wordCount\":407,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/quadranslawandfinance.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/quadranslawandfinance.com\/en\/blog\/deduction-of-interests-due-to-mortgage-loans\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/quadranslawandfinance.com\/wp-content\/uploads\/2019\/02\/deducciones-por-creditos-hipotecarios.jpg\",\"articleSection\":[\"Accountants\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/quadranslawandfinance.com\/en\/blog\/deduction-of-interests-due-to-mortgage-loans\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/quadranslawandfinance.com\/en\/blog\/deduction-of-interests-due-to-mortgage-loans\/\",\"url\":\"https:\/\/quadranslawandfinance.com\/en\/blog\/deduction-of-interests-due-to-mortgage-loans\/\",\"name\":\"Deduction of interests due to mortgage loans - 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