Aprovecha los intereses de tu hipoteca

Pagar intereses por tu crédito hipotecario no tiene que ser del todo malo. Gracias al artículo 176 de la Ley del Impuesto sobre la Renta tú puedes pagar menos impuestos e incluso obtener un saldo a favor y la devolución de éste en tu cuenta bancaria si decides utilizar el beneficio fiscal para la deducción de intereses reales de tu crédito hipotecario.

Cada año, durante el mes de abril, las personas físicas (quienes trabajan por su cuenta) y los asalariados con un ingreso anual superior a los $400,000 pesos están obligados a presentar su declaración anual de impuestos, pero no son ellos los únicos que pueden acceder a este beneficio. Si tus ingresos como asalariado están por debajo del tope obligatorio pero deseas solicitar la devolución de impuestos puedes presentar tu declaración de forma individual avisando a tu patrón, antes del 31 de diciembre del año previo, que la presentarás por tu cuenta.

Infografía: Revista Metros Cuúbicos

Infografía: Revista Metros Cuúbicos

¿Cómo funciona?

Quienes han adquirido una vivienda vía crédito hipotecario dentro del sistema financiero, independientemente de haberlo tramitado a través de instituciones gubernamentales (Infonavit y Fovissste) o privadas como Sofoles o Bancos, y en tanto el monto del crédito no exceda el equivalente en pesos de 1,500,000 UDIS ($7,138,500 pesos al cierre de la edición, UDI $4.759) pueden deducir de su base gravable, es decir del total de sus ingresos, los intereses reales pagados (intereses menos inflación) para que sus impuestos sean calculados sobre un monto menor.

¿La ganancia? De cada peso que pagaste como intereses reales de tu hipoteca, Hacienda puede devolverte hasta 30 centavos si es que los habías pagado vía impuestos durante el mismo periodo en que pagaste los intereses de tu hipoteca. Lo anterior quiere decir que, si no has generado ingresos durante el último año, has omitido el pago de impuestos o recibes subsidio para el pago de éstos (es el caso de quienes perciben menos de seis salarios mínimos) no podrás ser acreedor del beneficio.

El tope para la deducción esta dado por los ingresos declarados durante el año fiscal anterior y el monto máximo autorizado para el crédito (un millón quinientas mil UDIS). En el caso de un crédito conyugal ambos cónyuges pueden deducir la parte proporcional de intereses que les corresponde. El mismo principio aplica para créditos compartidos entre dos o más personas.


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

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