{"id":3970,"date":"2025-12-16T04:55:06","date_gmt":"2025-12-16T03:55:06","guid":{"rendered":"https:\/\/iuritcorp.com\/?p=3970"},"modified":"2026-02-04T14:04:08","modified_gmt":"2026-02-04T13:04:08","slug":"como-quedarte-con-la-vivienda-en-una-herencia-o-divorcio-pagando-menos-impuestos","status":"publish","type":"post","link":"https:\/\/iuritcorp.com\/en\/como-quedarte-con-la-vivienda-en-una-herencia-o-divorcio-pagando-menos-impuestos\/","title":{"rendered":"How to keep the house in an estate or divorce, paying less in taxes"},"content":{"rendered":"<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>When two people share an apartment and because they bought in pairs, by inheritance, or for any other reason\u2014 there may come a time in which one of them you want to keep 100 % of the property.<br>The majority believes that <strong>\u201cyou have to buy the 50 % of the other\u201d<\/strong>, and therefore pay the <strong>6-10 % of ITP<\/strong>as in any sale.<br>But this <strong>it is not so<\/strong>.<\/p>\n\n\n\n<p>There is an alternative completely legal, collection in our legislation civil, call <strong>extinction of condominium<\/strong>that completely changes the cost of taxation of the operation.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" data-id=\"4078\" src=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/13-1024x576.png\" alt=\"\" class=\"wp-image-4078\" srcset=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/13-1024x576.png 1024w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/13-300x169.png 300w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/13-768x432.png 768w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/13-18x10.png 18w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/13.png 1366w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What is the extinction of the condominium? (explained easy)<\/h2>\n\n\n\n<p>It is an operation by which <strong>one of the owners happens to be the holder of 100% of the property<\/strong>while it compensates financially to the other.<\/p>\n\n\n\n<p>Works in <strong>divorces<\/strong>, <strong>separations<\/strong>, <strong>inheritance with a number of brothers<\/strong>, property in co-ownership between partners, etc<\/p>\n\n\n\n<p><strong>IMPORTANT:<\/strong><br>Yes, the person who stays the housing <strong>you have to pay the other 50 %<\/strong>just like a sale.<br>The difference is <strong>how renders this operation<\/strong>and there is where the big savings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why pay a lot less than a sale of a home?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. A sale classic<\/strong><\/h3>\n\n\n\n<p>Buy 50% of the other for \u20ac 200,000 pay:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ITP in Madrid (6 %): <strong>12.000 \u20ac<\/strong><\/li>\n\n\n\n<li>ITP in Barcelona (10 %): <strong>20.000 \u20ac<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. In a termination of condominium<\/strong><\/h3>\n\n\n\n<p>There is not ITP.<br>You only pay <strong>Stamp duty (stamp duty)<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Madrid: 0,75 % \u2192 <strong>1.500 \u20ac<\/strong><\/li>\n\n\n\n<li>Barcelona: 1,5 % \u2192 <strong>3.000 \u20ac<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udca1 <strong>Real savings: between 10,500 and 17,000 \u20ac<\/strong>, just by using the correct figure.<\/p>\n\n\n\n<p>The reason is simple: the law considers that you are not purchasing a new home, but <strong>rearranging the property of something that was already yours<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" data-src=\"http:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/14-1024x576.png\" alt=\"\" class=\"wp-image-4079 lazyload\" data-srcset=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/14-1024x576.png 1024w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/14-300x169.png 300w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/14-768x432.png 768w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/14-18x10.png 18w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/14.png 1366w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/576;\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Who can use this figure?<\/strong><\/h2>\n\n\n\n<p>It is valid when:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There are <strong>several owners<\/strong> in the same building.<\/li>\n\n\n\n<li>One wants to stay with the 100 % and <strong>compensate economically<\/strong> to the other.<\/li>\n\n\n\n<li>The housing is not physically divisible.<\/li>\n<\/ul>\n\n\n\n<p>It is used especially in:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Divorce or breakups<\/strong><\/li>\n\n\n\n<li><strong>Inheritance with a number of brothers<\/strong><\/li>\n\n\n\n<li>Separation of partners with real estate in joint tenancy<\/li>\n\n\n\n<li>Couples that bought them together and then they want to separate their assets<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What the bank can finance it? Yes, and it's often easier to<\/strong><\/h2>\n\n\n\n<p>Another advantage very unknown:<br>In a termination of the condominium, the bank may <strong>to finance 100 % of the value you paid to other<\/strong>because the mortgage guarantee happens to be the <strong>100 % of the property<\/strong>.<\/p>\n\n\n\n<p>In a sale, normal, the bank only finances a <strong>70-80 %<\/strong> of the purchase value.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What about when you can use the extinction of the condominium?<\/strong><\/h2>\n\n\n\n<p>The extinction of the condo allows you to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Awarded 100% of the housing<\/li>\n\n\n\n<li>Avoid ITP of 6-10 %<\/li>\n\n\n\n<li>Only pay stamp duty on the 0,75-1,5 %<\/li>\n\n\n\n<li>Save between 10,000 and \u20ac20,000<\/li>\n\n\n\n<li>Access to more flexible funding<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" data-src=\"http:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/15-1024x576.png\" alt=\"Extinci\u00f3n de condominio para quedarse con una vivienda pagando menos impuestos - IURIT Asesor\u00eda Fiscal y Legal Online\" class=\"wp-image-4080 lazyload\" data-srcset=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/15-1024x576.png 1024w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/15-300x169.png 300w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/15-768x432.png 768w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/15-18x10.png 18w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/15.png 1366w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/576;\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>But beware: it is not always neutral fiscally<\/strong><\/h2>\n\n\n\n<p>Here comes the part that many overlook.<\/p>\n\n\n\n<p>The final treatment depends on numerous factors:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Income TAX<\/strong> (there can be gain if it compensates for more than due)<\/li>\n\n\n\n<li><strong>Surplus city<\/strong><\/li>\n\n\n\n<li><strong>Over-allocation<\/strong><\/li>\n\n\n\n<li><strong>How to split the mortgage<\/strong><\/li>\n\n\n\n<li><strong>Actual value of the property<\/strong><\/li>\n\n\n\n<li><strong>The marriage (marital or separate property)<\/strong><\/li>\n\n\n\n<li><strong>Type of housing<\/strong><\/li>\n\n\n\n<li><strong>Rules of each Autonomous Community<\/strong> (the hairpins of the stamp duty change)<\/li>\n<\/ul>\n\n\n\n<p>A single detail miscalculated can convert the operation to a sale covertly and turn the ITP full.<br>For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valuing the wrong house<\/li>\n\n\n\n<li>Make an inadequate compensation<\/li>\n\n\n\n<li>Write incorrectly writing<\/li>\n\n\n\n<li>Not properly justify the award<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why vary the tax among the autonomous communities?<\/strong><\/h2>\n\n\n\n<p>Because:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The <strong>type of stamp duty<\/strong> what sets each AUTONOMOUS community<\/li>\n\n\n\n<li>Some offer reduced rates according to:\n<ul class=\"wp-block-list\">\n<li>Age<\/li>\n\n\n\n<li>Large family<\/li>\n\n\n\n<li>Disabled<\/li>\n\n\n\n<li>Type of housing<\/li>\n\n\n\n<li>Value of the property<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Can also be applied bonuses in plusvalia municipal or reductions in certain cases family members<\/li>\n<\/ul>\n\n\n\n<p>That's why there is a \u201crule of thumb\u201d: <strong>Each case must be analyzed with a magnifying glass.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion: it is a very advantageous, but it must be done with precision<\/strong><\/h2>\n\n\n\n<p>The award of 100 % of the home by dissolution of co-ownership:<\/p>\n\n\n\n<p>\u2714\ufe0f you can save <strong>10,000 and 20,000 \u20ac<\/strong><br>\u2714\ufe0f it is totally legal<br>\u2714\ufe0f it is common in divorces and inheritances<br>\u2714\ufe0f allows for favorable financing<br>\u2716\ufe0f but if you do it wrong, you can generate tax unexpected<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" data-src=\"http:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/16-1024x576.png\" alt=\"\" class=\"wp-image-4081 lazyload\" data-srcset=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/16-1024x576.png 1024w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/16-300x169.png 300w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/16-768x432.png 768w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/16-18x10.png 18w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/12\/16.png 1366w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/576;\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Do you want to know if your case is viable and what would be your real savings?<\/strong><\/h2>\n\n\n\n<p>In <strong>IURIT<\/strong> we analyze:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your family's case (divorce, separation and inheritance)<\/li>\n\n\n\n<li>The valuation of the building<\/li>\n\n\n\n<li>How it affects the mortgage<\/li>\n\n\n\n<li>Risk of personal income TAX, capital gain or excess of award<\/li>\n\n\n\n<li>The tax rate of your Autonomous Community<\/li>\n\n\n\n<li>The wording of the correct writing<\/li>\n<\/ul>\n\n\n\n<p>Write to us at <strong><a>info@iuritcorp.com<\/a><\/strong> or <a href=\"https:\/\/iuritcorp.com\/en\/contacto\/\" title=\"Contact\">request a consultation with our team.<\/a><\/p>\n\n\n\n<p><strong>We'll help you keep your home by paying just enough, not more.<\/strong><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Cuando una vivienda es compartida, no siempre hay que \u201ccomprar la mitad\u201d pagando ITP. La extinci\u00f3n de condominio es una v\u00eda legal para quedarse con el inmueble pagando muchos menos impuestos.<\/p>","protected":false},"author":1,"featured_media":4078,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[138],"tags":[190,186,191,188,187,189],"class_list":["post-3970","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bienes-raices-inversion-internacional","tag-ajd","tag-extincion-de-condominio","tag-fiscalidad-inmobiliaria","tag-herencias-y-divorcios","tag-impuestos-vivienda","tag-itp"],"_links":{"self":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3970","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/comments?post=3970"}],"version-history":[{"count":5,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3970\/revisions"}],"predecessor-version":[{"id":4084,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3970\/revisions\/4084"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/media\/4078"}],"wp:attachment":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/media?parent=3970"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/categories?post=3970"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/tags?post=3970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}