No tax benefit with residual debt financing
Until December 31, 2017, the interest costs of your residual debt financing were tax deductible. This scheme has expired with effect from 1 January 2018. Interest costs are NOT more tax deductible.
You can still take out a consumer credit in the form of a personal loan or a revolving credit to finance your residual debt; the tax benefit no longer applies.
Previously, you were allowed to deduct the interest for a maximum period of 15 years if you had sold your house after October 28, 2012 with a residual debt and had taken out financing for this.
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