Housing savings accounts are a resource that most prospective buyers often use, but there may be some details to be learned about these accounts, for example, what relief can be obtained or how the account should be used for housing others that we have in our bank.

Like every week, Meredith and Rose, lawyers are experts in housing the newspaper El Mundo, two real cases respond send two users on the housing savings account, in order to obtain a response and thus to clarify their doubts.

Question:
In 2000 I opened a savings account housing and in 2003 bought my house I was usually the tax deductibility to the declaration of 2007, when it stopped being my primary residence for rent and leave my home while renting. As would be my tax relief if I buy a primary residence in 2010, without selling the above?

Answer:
Could tax deductible for the quantities delivered in the purchase of this new housing (if it is actually their main residence) in the amount on which had not practiced this deduction for the purchase of which was his main residence.

Question:
I have a question about how to implement the housing savings account. I have bought off plan and I have the time to deliver resident 20% in a current account that is usually use for all my personal expenses. Since the debit does not support my idea is to transfer all the money in my account, the housing and savings account and pay part of the time. Is it correct this way of proceeding or Treasury can get stick?

Answer:
The regulations require that the sums for the purchase of the Vivekananda are deposited in separate accounts of any other tax rate (without the need to take account of the specific name of home). To enhance transparency, would be a good idea to open another account without limitations clearance through which to make these payments. The rule also says that the account balances should be used exclusively to house the first acquisition, construction or rehabilitation of the main residence of the taxpayer.