Aprovecha los intereses de tu hipoteca (parte 2)

Infografía: Revista Metros Cuúbicos

Infografía: Revista Metros Cuúbicos

¿Cuáles son los requisitos?

Cada año debes recibir de parte de quien te otorgó el crédito hipotecario la constancia de intereses reales pagados a mas tardar el día 15 de febrero. Si no has hecho la deducción de años anteriores pero sí cuentas con las constancias correspondientes puedes solicitar la devolución hasta de los últimos cinco años presentando declaraciones complementarias por cada año omitido ante el SAT.
La fecha límite para presentarla declaración anual es el 30 de abril y puedes presentarla por tu cuenta en el portal del SAT (www.sat.gob.mx) o asesorándote con un contador profesional a quien deberás entregar tanto la constancia de intereses reales como la de retenciones que te entregó tu patrón (en caso de ser asalariado) una vez que notificaste que presentarías la declaración por tu cuenta antes del 15 de diciembre del año pasado.

En tu declaración anual deberás indicar la cuenta bancaria incluyendo la CLABE en la cual se depositará la devolución en caso de existir saldo a favor. El tiempo que toma dependerá del momento en que presentes la declaración pues para quienes lo hacen a principios de abril puede tomar tan solo 15 días mientras que para quienes lo dejan hasta fin de mes o realizan el trámite de forma extemporánea el proceso puede tardar algunos meses.

Para evitar una auditoría por parte de Hacienda es importante tener en cuenta que solamente podrás deducir el pago de intereses de la hipoteca de la vivienda que habitas, sin embargo en caso de tener un crédito fraccionado, es decir, una parte con el banco y otra con el Infonavit para una misma vivienda sí podrás sumar los intereses reales pagados en ambas instituciones para la deducción de impuestos.

¿A mayor mensualidad mayor deducción?

Dedo que los intereses reales se calculan en base a la tasa de interés que cobra la institución financiera con la cual contrataste tu crédito hipotecario menos la inflación es claro que a mayor tasa de interés será mayor el monto a deducir. Ten en cuenta que la amortización tradicional de una hipoteca implica una mayor proporción de intereses en cada mensualidad durante los primeros años de vida del crédito por lo que el beneficio fiscal se irá reduciendo conforme avancen las mensualidades. El beneficio fiscal es mayor entonces para créditos recién contratados que para créditos a punto de finiquitarse.

¿Qué hago con la devolución?

Una vez presentada tu declaración anual y sí has cumplido con los requisitos en cuanto a forma y tiempo el SAT procesará tu devolución y la depositará en tu cuenta bancaria. Dado que es un dinero extra con el cual no cuentas de forma regular lo aconsejable sería utilizarlo para adelantar mensualidades de tu crédito hipotecario ya que si bien podrás seguir deduciendo intereses a lo largo de la vida del crédito, también es cierto que mientras más pronto liquides tu hipoteca estarás pagando menos por tu casa.

Aprovechar a tu favor el pago de los intereses de tu hipoteca es un derecho que te concede la ley y no deberías pasarlo por alto. Los honorarios de un contador, en caso de encuentres complicado presentar la declaración anual por tu cuenta, bien pueden justificarse con el beneficio de recibir entre 1.5 y 3 mensualidades de tu hipoteca de acuerdo al periodo de vida tu crédito y la tasa de interés contratada.

Este texto es una de mis colaboraciones como columnista de la revista Metros Cúbicos de Grupo Expansión. Prohibida su reproducción total o parcial.

129 comments for “Aprovecha los intereses de tu hipoteca (parte 2)

  1. Febrero 23, 2017 at 10:34 PM

    Some really nice and utilitarian info on this site, also I conceive the style holds fantastic features.

  2. Febrero 23, 2017 at 11:14 PM

    I have recently started a website, the information you offer on this website has helped me tremendously. Thank you for all of your time & work.

  3. Febrero 24, 2017 at 3:55 AM

    MichaelJemery.com is a site with many hypnosis downloads. Whether you are looking for free hypnosis downloads, self hypnosis download for mp3, video and any audio files, Michael Jemery has the downloads for you. You can download hypnosis from apps, audio, mp3 and even youtube !

  4. Febrero 24, 2017 at 4:57 AM

    SacramentoCremation.us is one of the leading crematorium services in the Sacramento area. Feel free to contact us regarding any questions on Sacramento Cremation Services or concerns you might have. Our staff will respond to you as soon as possible.

  5. Febrero 24, 2017 at 10:40 AM

    Divorcemind.com is a online divorce resource for divorce attorney, attornies and lawyers. You will find the best divorce information online. Divorce Mind will make your divorce or separation a quick, convenient and private.

  6. Febrero 24, 2017 at 11:27 AM

    First of all I would like to say fantastic blog! I had a quick question which I’d like to ask if you don’t mind. I was curious to know how you center yourself and clear your head before writing. I’ve had a difficult time clearing my thoughts in getting my thoughts out there. I truly do take pleasure in writing however it just seems like the first 10 to 15 minutes are generally wasted just trying to figure out how to begin. Any recommendations or hints? Thank you!

  7. Febrero 24, 2017 at 1:14 PM

    This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

  8. Febrero 24, 2017 at 4:50 PM

    Emeryeps is a SEO(Search Engine optimzation) and Internet Marketing company. They help businesses to get traffic from various search engine and online community. They have seo experts and consultants with many years of SEO Experiences. No matter where your business is located, EmeryEPS.com can help your business to secure your highly convertible leads online.

  9. Febrero 25, 2017 at 5:04 AM

    IMSC SEO is a Singapore SEO Company. They provide comprehensive Singapore SEO services to help SG businesses to gain traffic from search engine. Their SEO agency has many years of experiences working with overseas companies on more competitive grounds. They are the best seo company in Singapore you can find. Their SEO expert and consultant understand exactly what search engine optimization your company need to gain search engine traffic.

  10. Febrero 25, 2017 at 5:17 AM

    Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

  11. Febrero 25, 2017 at 10:58 AM

    Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

  12. Febrero 25, 2017 at 11:35 AM

    Emeryeps is a SEO(Search Engine optimzation) and Internet Marketing company. They help businesses to get traffic from various search engine and online community. They have seo experts and consultants with many years of SEO Experiences. No matter where your business is located, EmeryEPS.com can help your business to secure your highly convertible leads online.

  13. Febrero 25, 2017 at 7:54 PM

    IMSC SEO is a Singapore SEO Company. They provide comprehensive Singapore SEO services to help SG businesses to gain traffic from search engine. Their SEO agency has many years of experiences working with overseas companies on more competitive grounds. They are the best seo company in Singapore you can find. Their SEO expert and consultant understand exactly what search engine optimization your company need to gain search engine traffic.

  14. Febrero 26, 2017 at 3:13 PM

    I merely intend to notify you that I am new to online blogging and very much loved your webpage. Probably I am prone to remember your blog post . You seriously have fabulous article blog posts. Admire it for telling with us your very own blog report

  15. Febrero 26, 2017 at 3:44 PM

    Remarkably significant resources that you have said, many thanks for writing.

  16. Febrero 26, 2017 at 5:40 PM

    It truly is practically impossible to find well-informed users on this content, even though you come across as like you understand the things you’re indicating! With Thanks

  17. Febrero 26, 2017 at 7:34 PM

    I’m very happy to uncover this site. I need to to thank you for your time just for this wonderful read!! I definitely loved every bit of it and i also have you book-marked to look at new things in your site.

  18. Febrero 26, 2017 at 10:35 PM

    A person essentially assist to make significantly articles I’d state. This is the very first time I frequented your web page and so far? I surprised with the research you made to create this particular submit incredible. Wonderful job!

  19. Febrero 27, 2017 at 2:04 AM

    It’s the best time to make some plans for the future and it’s time to be happy. I’ve read this post and if I could I wish to suggest you few interesting things or advice. Maybe you can write next articles referring to this article. I wish to read more things about it!

  20. Febrero 27, 2017 at 9:20 AM

    Howdy here, just got aware of your wordpress bog through Bing, and found that it is quite helpful. I will be grateful should you persist such.

  21. Febrero 27, 2017 at 9:58 AM

    I was excited to find this website. I want to to thank you for your time just for this wonderful read!! I definitely loved every part of it and I have you saved as a favorite to see new things on your web site.

  22. Febrero 27, 2017 at 3:02 PM

    I merely want to tell you that I am new to blog posting and very much enjoyed your report. Likely I am most likely to bookmark your blog post . You undoubtedly have extraordinary article content. Truly Appreciate it for share-out with us the best web report

  23. Febrero 27, 2017 at 9:23 PM

    It’s perfect opportunity to make some intentions for the forthcoming future. I’ve read this posting and if I would, I wish to propose you handful remarkable ideas.

  24. Febrero 27, 2017 at 10:31 PM

    I am continually searching online for articles that can aid me. Thanks!

  25. Febrero 27, 2017 at 10:39 PM

    Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.

  26. Febrero 28, 2017 at 1:37 AM

    I merely hope to show you that I am new to having a blog and thoroughly admired your post. Quite possibly I am going to store your blog post . You simply have fantastic article blog posts. Get Pleasure From it for giving out with us the best website article

  27. Febrero 28, 2017 at 1:51 AM

    Great ¡V I should definitely pronounce, impressed with your website. I had no trouble navigating through all tabs and related information ended up being truly simple to do to access. I recently found what I hoped for before you know it in the least. Quite unusual. Is likely to appreciate it for those who add forums or something, website theme . a tones way for your customer to communicate. Nice task..

  28. Febrero 28, 2017 at 9:16 AM

    Unbelievably useful specifics you’ll have stated, thanks for adding.

  29. Febrero 28, 2017 at 2:02 PM

    Good morning here, just became alert to your wordpress bog through Bing, and have found that it’s genuinely helpful. I’ll like if you continue this approach.

  30. Febrero 28, 2017 at 6:04 PM

    It’s practically unthinkable to come across well-informed individuals on this area, unfortunately you look like you comprehend which you’re preaching about! Regards

  31. Febrero 28, 2017 at 10:02 PM

    It happens to be perfect opportunity to put together some schemes for the possible future. I’ve looked over this piece of writing and if I can, I want to recommend you number of helpful tip.

  32. Marzo 1, 2017 at 12:26 AM

    I was very pleased to discover this great site. I need to to thank you for ones time due to this wonderful read!! I definitely savored every part of it and I have you book marked to see new things on your web site.

  33. Marzo 1, 2017 at 2:19 AM

    I¡¦ve recently started a website, the information you provide on this site has helped me greatly. Thank you for all of your time & work.

  34. Marzo 1, 2017 at 2:26 AM

    Wow! Thank you! I continuously needed to write on my blog something like that. Can I include a fragment of your post to my website?

  35. Marzo 1, 2017 at 2:52 AM

    Hello There. I found your blog using msn. This is an extremely well written article. I’ll make sure to bookmark it and come back to read more of your useful info. Thanks for the post. I’ll certainly comeback.

  36. Marzo 1, 2017 at 3:24 AM

    You really make it appear so easy together with your presentation but I to find this matter to be actually something which I think I would by no means understand. It seems too complicated and very wide for me. I am having a look forward in your next put up, I¡¦ll try to get the hold of it!

  37. Marzo 1, 2017 at 4:37 AM

    My wife and i ended up being quite joyous that Albert could conclude his investigations from the ideas he obtained in your web pages. It is now and again perplexing to just continually be offering secrets and techniques which usually other folks may have been trying to sell. And now we grasp we have the website owner to give thanks to because of that. Most of the illustrations you have made, the straightforward site navigation, the relationships you make it possible to engender – it is everything impressive, and it’s letting our son in addition to the family imagine that this situation is entertaining, which is certainly really pressing. Thanks for all the pieces!

  38. Marzo 1, 2017 at 4:44 AM

    There is perceptibly a lot to realize about this. I assume you made various good points in features also.

  39. Marzo 1, 2017 at 4:44 AM

    hello!,I like your writing so a lot! percentage we keep in touch extra about your post on AOL? I need a specialist in this space to unravel my problem. May be that is you! Looking ahead to see you.

  40. Marzo 1, 2017 at 4:49 AM

    Hello. impressive job. I did not imagine this. This is a splendid story. Thanks!

  41. Marzo 1, 2017 at 6:12 AM

    I have recently started a web site, the information you provide on this website has helped me tremendously. Thanks for all of your time & work.

  42. Marzo 1, 2017 at 6:39 AM

    Hello, you used to write excellent, but the last few posts have been kinda boring¡K I miss your super writings. Past few posts are just a little out of track! come on!

  43. Marzo 1, 2017 at 6:55 AM

    I simply couldn’t depart your site prior to suggesting that I extremely loved the usual information a person supply on your visitors? Is going to be again frequently in order to inspect new posts

  44. Marzo 1, 2017 at 11:40 AM

    I really intend to advise you that I am new to blogging and really cherished your post. Likely I am going to store your blog post . You really have fantastic article materials. Value it for share-out with us the best web information

  45. Marzo 1, 2017 at 1:11 PM

    Very insightful details you’ll have remarked, thanks a lot for posting.

  46. Marzo 1, 2017 at 4:43 PM

    Definitely helpful highlights that you have remarked, say thanks a lot for publishing.

  47. Marzo 1, 2017 at 6:11 PM

    Hello here, just became aware of your blog site through Google, and have found that it’s seriously educational. I will be grateful if you decide to continue these.

  48. Marzo 1, 2017 at 11:07 PM

    You completed a few nice points there. I did a search on the theme and found nearly all persons will consent with your blog.

  49. Marzo 2, 2017 at 12:33 AM

    I would like to show my love for your generosity giving support to persons that really want guidance on this important subject matter. Your very own commitment to getting the solution up and down had been extremely insightful and have in most cases helped some individuals much like me to achieve their targets. The invaluable tutorial indicates a whole lot to me and a whole lot more to my office workers. Thank you; from each one of us.

  50. Marzo 2, 2017 at 12:34 AM

    Great ¡V I should definitely pronounce, impressed with your site. I had no trouble navigating through all the tabs and related info ended up being truly simple to do to access. I recently found what I hoped for before you know it at all. Reasonably unusual. Is likely to appreciate it for those who add forums or something, site theme . a tones way for your customer to communicate. Excellent task..

Comments are closed.