Mortgage Taken by Another Person and Housing Relief

Mortgage Taken by Another Person and Housing Relief

Recently, new information has surfaced regarding the relationship between repaying a mortgage and housing relief. If the mortgage wasn’t originally taken out by me, can I still benefit from the relief? How does the tax authority interpret the regulations? How might the tax office’s approach affect your actual finances? Recently, an article was published in Rzeczpospolita, featuring a comment by Piotr Sekulski, PhD on this topic.

In the article available at this link you will find a lot of useful information about what to watch out for when utilizing the housing relief.

tax advisor Piotr Sekulski, PhD

“– The tax authorities take a very strict approach to the conditions for the relief, looking for reasons to challenge it(…)”

tax advisor Piotr Sekulski, PhD

“–The tax office interprets the regulations literally, without considering the purpose of the relief, which is to support housing investments (…) The conclusion of the tax authority would likely be positive if, in the described cases, the mortgages were transferred to the taxpayer (i.e., the person selling the property). (…)

Those who disagree with the tax authority’s position can take the matter to court, where the conditions for the relief are assessed more liberally (…)”


If you’re wondering how to correctly apply the housing relief or when the housing relief might apply at all, visit us at www.outsourced.pl .

dr Piotr Sekulski

Doctor of Law (Jagiellonian University), author of numerous publications and scientific presentations. He collaborated with the universities of Buffalo (USA), Salzburg (Austria) and Heidelberg (Germany). As an expert on tax regulations at the Adam Smith Research Centre he participated in the preparation and evaluation of the regulations concerning entrepreneurs (e.g. e-meetings of shareholders). He gained professional experience in reputable tax advisory companies.

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