How to obtain a 15% profitability with your mortgage

Published on November 23rd 2017

The most profitable operation for the conservative savior is to write off a mortgage.

The most profitable operation for the conservative savior is to write off a mortgage. Especially if it signed it before December 31, 2012, since it will be entitled to the deduction of the Treasury, 15 percent over a maximum of 9,040 euros, which can be doubled for spouses who make the declaration of income separately, since the Tax Agency can be deducted in this case up to 18,080 euros.

Mortgage amortization at the present time, with an Euribor which, month by month, spreads the lows and has completed its first year by trading in a negative one, allows the mortgaged person the amount of the return to which he could have access (1,356 euros in case of one only mortgaged and 2,712 euros for the spouses) doubles what you pay in the interests of the loan for an average mortgage. That amount can be further triggered if the mortgaged was lucky enough to sign any of the cheapest mortgages that were traded before the crisis, with differentials between 0.18 percent and 0.35 percent that causes the Today, the interests charged by the bank are testimonial.

And everything suggests that this situation can be extended over time. Gustavo Martínez, an analyst at XTB, explains why Euribor will continue at these levels: "Bulk debt purchases by the European Central Bank (ECB) produce an increase in the monetary supply and in turn a decrease in the type of money interest ».
Although this situation could be reversed when the ECB decided to change its monetary policy, something that does not seem to be immediate, as its chairman, Mario Draghi, explained at the October meeting that the withdrawal of the stimulus would be gradual (it will begin in January with the reduction in half of the volume of purchases up to 30,000 million euros and will remain until September) as well as left the door open to expand it if necessary.

 

Source: Finanzas

  • Barcelona

    93 293 19 07

    Paseo de Gracia 85, 2ª planta

  • Madrid

    91 800 54 66

    Serrano 43-45, 4ª planta

  • Valencia

    96 128 59 68

    Calle Mossen Femades 3, bajo dcha. Ed. Lauria

  • Palma

    97 100 32 03

    Calle Unió 9

We use our own and third-party cookies to make our website work safely and personalize its content. Likewise, we use cookies to measure and obtain data on your navigation and to adjust advertising to your tastes and preferences. Press the "Accept all" button to confirm that you have read and accepted the information presented. To manage or disable these cookies, click on "Configuration". For more information see our cookies policy.
Modify cookies
Technical and functional Always active
This website uses its own Cookies to collect information in order to improve our services. If you continue browsing, you accept their installation. The user has the possibility of configuring his browser, being able, if he so wishes, to prevent them from being installed on his hard drive, although he must bear in mind that such action may cause difficulties in navigating the website.
Analytics and personalization
They allow the monitoring and analysis of the behavior of the users of this website. The information collected through this type of cookies is used to measure the activity of the web for the elaboration of user navigation profiles in order to introduce improvements based on the analysis of the usage data made by the users of the service. They allow us to save the user's preference information to improve the quality of our services and to offer a better experience through recommended products.
Marketing and advertising
These cookies are used to store information about the preferences and personal choices of the user through the continuous observation of their browsing habits. Thanks to them, we can know the browsing habits on the website and display advertising related to the user's browsing profile.