{"id":35990,"date":"2026-01-12T15:17:19","date_gmt":"2026-01-12T15:17:19","guid":{"rendered":"https:\/\/www.asesoriaorihuelacosta.com\/?p=35990"},"modified":"2024-12-06T06:50:44","modified_gmt":"2024-12-06T06:50:44","slug":"loan-between-individuals","status":"publish","type":"post","link":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/","title":{"rendered":"Loan between individuals: how a mortgage works for a child or a friend"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"35990\" class=\"elementor elementor-35990\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4533e03 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4533e03\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8ce6506\" data-id=\"8ce6506\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4595f28 elementor-widget elementor-widget-text-editor\" data-id=\"4595f28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Loan between individuals or to a family member: if your child has a mortgage with the bank and you want to help them, lend them money to pay it back and take out a personal loan with them.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6fcb554 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6fcb554\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-50efc71\" data-id=\"50efc71\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-daf771f elementor-widget elementor-widget-heading\" data-id=\"daf771f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Interest-free loans between family members<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5911383 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5911383\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fdcb707\" data-id=\"fdcb707\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48fbe39 elementor-widget elementor-widget-text-editor\" data-id=\"48fbe39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Repayment of a mortgage or loan between private individuals<\/strong><\/h3><p>As you have funds that hardly give you any return, you have thought of lending this money to your son so that he can pay off his mortgage with the bank.<\/p><p>In this way, the debt will be owed to you, but with the advantage that no interest will accrue (in loans between individuals, a below-market interest rate or even no interest at all can be agreed).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b6570ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b6570ae\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c2c9d35\" data-id=\"c2c9d35\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e1c8f50 elementor-widget elementor-widget-heading\" data-id=\"e1c8f50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Loans between private individuals<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0da94b7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0da94b7\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-13d970c\" data-id=\"13d970c\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-076330d elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"076330d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Personal loan between individuals<\/h3><p>You can carry out this operation with a child or any other person you wish to help.<\/p><p>In any case, avoid tax costs by complying with the following formalities:<\/p><h4><strong>Sign a loan contract between private individuals<\/strong><\/h4><ul><li><p>-privately or in front of a notary, indicating the applicable interest rate or no interest at all.<\/p><\/li><\/ul><h4><strong>Present this loan<\/strong><\/h4><ul><li><p>with form 600 at the ITP settlement office of your autonomous community and declare the loan between family members as exempt (loans enjoy this tax benefit).<\/p><\/li><\/ul><h4><strong>Establish a calendar of annual repayments (e.g. a<\/strong><\/h4><ul><li><p>(e.g. a constant instalment at the end of each year) and stick to it. <strong>Otherwise<\/strong>, the tax authorities may consider the transaction to be a gift and require your child to pay gift tax.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5bd5b2c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5bd5b2c\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-76d7cf7\" data-id=\"76d7cf7\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76f2f5f elementor-widget elementor-widget-heading\" data-id=\"76f2f5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Loan between family members model 600<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0fa4be8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0fa4be8\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-493b54e\" data-id=\"493b54e\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed9d1f4 elementor-widget elementor-widget-text-editor\" data-id=\"ed9d1f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In order for the loan to be legal and <span style=\"color: #0000ff;\">not have any problems with the tax authorities<\/span>, you will have to file form 600 with the tax authorities in your community.<\/p><p>The 600 form can be filed online but you will need a digital certificate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4a60a88 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a60a88\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9fc6185\" data-id=\"9fc6185\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1bae75c elementor-widget elementor-widget-image\" data-id=\"1bae75c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.asesoriaorihuelacosta.com\/en\/what-is-a-digital-certificate\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/que-es-un-certificado-digital-1024x683.jpg\" class=\"attachment-large size-large wp-image-34849\" alt=\"\" srcset=\"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/que-es-un-certificado-digital-1024x683.jpg 1024w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/que-es-un-certificado-digital-768x512.jpg 768w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/que-es-un-certificado-digital-640x427.jpg 640w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/que-es-un-certificado-digital-400x267.jpg 400w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">What is a digital certificate?<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-a311695 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a311695\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-379ac2d\" data-id=\"379ac2d\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d56132 elementor-widget elementor-widget-text-editor\" data-id=\"3d56132\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Example of form 600 for a loan between family members.<\/h3><p>In this example from the Valencian Community of the form 600 for loans between individuals, we show you the important boxes to fill in:<\/p><ul><li>Date of accrual (Box 2): when the operation or loan is carried out. Here we have to put the date of the contract or when the money transfer was made.<\/li><li>Concept (Box 4): It will be taxed for Transfer of Assets code 0001.<\/li><li>Managing body: This is the city where the borrower&#8217;s settlement office is located (the one that receives the money). Normalement usually coincides with the city where you live or where your house is registered.<\/li><li>Type of document ( Box 47). Here you have to indicate whether you have signed a private contract or a contract signed before a notary.<\/li><\/ul><h4 style=\"text-align: center;\"><span style=\"color: #ff0000;\">IMPORTANT<\/span><\/h4><ul><li>Details of the type of asset (Box 51): In box 51 <strong>you must select 99 OTHER<\/strong>.<\/li><li>Rate (Box 53) put that it is a loan between individuals and <strong>select PO0. ( EVEN IF YOU PUT 1% THEN PUT EXEMPT)<\/strong><\/li><li>VALUE You should enter the amount of the loan, how much money you are borrowing and a brief description of the transaction (e.g. &#8220;loan between family members&#8221;).<\/li><li>On the next screen under Exemptions, allowances or not subject to activate the exemption tab and in box 73 of the exemption basis <strong><span style=\"color: #ff0000;\">put 45.I.B.15 Loans <\/span><\/strong>.<\/li><li>Click on calculate and you will get zero.<\/li><\/ul><p>The next step is to enter the taxable person, the lender and file form 600.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-ee13808 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee13808\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-62b695f\" data-id=\"62b695f\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-465ccf0 elementor-widget elementor-widget-image\" data-id=\"465ccf0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/sara-2-600.gva.es\/sara_2_600-sara2600-frontend\/?lang=es\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"659\" src=\"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-familiares-modelo-600-1-1-1024x659.jpg\" class=\"attachment-large size-large wp-image-34846\" alt=\"pr\u00e9stamo entre familiares modelo 600 (1) (1)\" srcset=\"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-familiares-modelo-600-1-1-1024x659.jpg 1024w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-familiares-modelo-600-1-1-768x494.jpg 768w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-familiares-modelo-600-1-1-640x412.jpg 640w, https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-familiares-modelo-600-1-1-400x258.jpg 400w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Very important: what do I have to put in each box? Here we show you an example of the Valencian Community model 60<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-37f882c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37f882c\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-228124d\" data-id=\"228124d\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f120b5c elementor-widget elementor-widget-text-editor\" data-id=\"f120b5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Where do I file the form 600 for a loan between individuals?<\/p><p>You can file it in 2 ways:<\/p><ul><li>In person at the settlement office in your city.<\/li><li>Or online:<\/li><\/ul><p>These are the links to the different communities to file the form 600 online for a Loan between individuals:<\/p><p><a href=\"https:\/\/atenea.ha.gva.es\/sara\/m600\/sim\/sim600.jsp?lang=es\" rel=\"noopener\">Valencian Community<\/a><\/p><p><a href=\"https:\/\/pase.carm.es\/pase\/login?service=https%3A%2F%2Fsede.carm.es%2Fpaetributos%2Fformularios%2FM600\" rel=\"noopener\">Region of Murcia<\/a><\/p><p><a href=\"https:\/\/www.juntadeandalucia.es\/economiayhacienda\/apl\/surweb\/modelos\/modelo600\/modelo600.ctl\" rel=\"noopener\">Andalusia<\/a><\/p><p><a href=\"https:\/\/valid.aoc.cat\/o\/oauth2\/auth?scope=autenticacio_usuari&amp;state=e1s1&amp;redirect_uri=https:\/\/passarelagicarvalid.idp1-gicar.gencat.cat\/corpvalididp\/Authn\/External&amp;response_type=code&amp;client_id=tramits.gicar2.cat&amp;approval_prompt=auto\" rel=\"noopener\">Catalonia<\/a><\/p><p><a href=\"https:\/\/sede.gobiernodecanarias.org\/tributos\/ov\/publico\/validacion\/validamenu.jsp\" rel=\"noopener\">Canary Islands<\/a><\/p><p><a href=\"https:\/\/gestiona.comunidad.madrid\/opti_webapp_contrib\/#\/landing-view\" rel=\"noopener\">Community of Madrid<\/a><\/p><p><a href=\"https:\/\/ovt.atriga.gal\/es\/inicio#!\/detalle_servizo\/?Transmisiones+patrimoniales+y+actos+jur%C3%ADdicos+documentados%3A+modelo+600\/11610194\/4126995\/11610419\/2.8\/item-green\" rel=\"noopener\">Galicia<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-cbde757 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cbde757\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0297288\" data-id=\"0297288\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b70eb8a elementor-widget elementor-widget-heading\" data-id=\"b70eb8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tips for the model interest-free loan agreement between family members<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-235a5a0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"235a5a0\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-90e016a\" data-id=\"90e016a\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37518a4 elementor-widget elementor-widget-text-editor\" data-id=\"37518a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Model loan between private individuals<\/h3><p>First, sign a written loan agreement.<\/p><p>This document should specify:<\/p><h4><i>The purpose of the loan.<\/i><\/h4><ul><li>Indicate the purpose of the loan (the purchase of the property, indicating the address).<\/li><\/ul><p>Previously, this mention was relevant to justify that the payment of the loan generated the right to the deduction for the purchase of the main residence.<\/p><p>Although this deduction no longer exists, it should still be indicated so that the buyer can justify the origin of the money used to purchase the property.<\/p><h4><i>Interest<\/i><\/h4><ul><li>Also indicate that the loan <i>is agreed interest-free,<\/i> in view of the existing family relationship.<\/li><\/ul><h3><strong>Repayment of the loan<\/strong><\/h3><p>In any case, it is not enough to sign the loan contract: the loan must be repaid.<\/p><p>Otherwise, the tax authorities may consider that you are actually concealing a gift and demand payment of the corresponding gift tax.<\/p><p>To avoid this risk:<\/p><ul><li><strong>Comply with the repayment deadlines<\/strong> that have been agreed.<\/li><li>Thus, if monthly repayments have been agreed, <strong>it is advisable<\/strong> to make these payments by bank transfer from the borrower&#8217;s account to the lender&#8217;s account, and to <strong>keep the receipts<\/strong>.<\/li><li>In these transfers they should indicate as a concept the instalment being paid (e.g. &#8220;pago cuota enero pr\u00e9stamo&#8221;). <span style=\"color: #0000ff;\">Cash payments are not recommended<\/span> (even if the lender signs a receipt).<\/li><\/ul><h3><strong>Avoid Gift Tax<\/strong><\/h3><p>Establish repayment deadlines in the contract and, very importantly, stick to them, leaving a record of the payments (by means of a transfer, for example).<\/p><p>In this way you will avoid that in the future the tax authorities may consider that the loan was really a donation and demand the corresponding Donations Tax (ISD).<\/p><h3><strong>Proving the repayment of the loan between private individuals<\/strong><\/h3><p>It is not enough to simply justify the formalisation of the loan.<\/p><p>When the loan has been repaid in full, it is also important to go to the Settlement Office and prove this circumstance.<\/p><p>To do so:<\/p><ul><li>Sign a document in which the lender acknowledges having recovered the full amount of the principal loaned.<\/li><li>Present this document at the Settlement Office, together with a copy of the bank receipts for the payments made.<\/li><li>Together with the above documentation, the borrower must also present a form 600 declaring the transaction (in this case, as not subject to ITP).<\/li><\/ul><h4><strong>Avoid tax requirements<\/strong><\/h4><p>As the tax authorities will already have the supporting documents, it will be more difficult for them to check them in the future.<\/p><h4><strong>Inheritance: what happens if the lender dies?<\/strong><\/h4><p>Please also note that, in the event of the lender&#8217;s death, any outstanding loans made by the lender will constitute credits in his favour which must be declared as part of his inheritance and will be taxed for Inheritance Tax purposes.<\/p><p>As the tax authorities are aware of the existence of these claims, if they are not included in the inheritance, they may initiate a check.<\/p><p>However, if a refund has already been credited, this will not happen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4f553a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f553a6\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27594e2\" data-id=\"27594e2\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b513db elementor-widget elementor-widget-heading\" data-id=\"1b513db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Housing deduction<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0fce46d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0fce46d\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c706888\" data-id=\"c706888\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-96632d6 elementor-widget elementor-widget-text-editor\" data-id=\"96632d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If your son bought your home before 2013, every year he will be applying a deduction in the IRPF for 15% of the amounts paid for the mortgage loan.<\/p><p>Well, <strong>if they act correctly<\/strong>, whether your child uses the loan you make to pay off the mortgage in full or only repays part of it, he or she can continue to benefit from this deduction for the amounts paid to you and, if applicable, also to the bank.<\/p><p>However, this requires a direct succession between the early cancellation (total or partial) of the mortgage loan and the formalisation of the new personal loan.<\/p><p>If there is no such direct succession (for example, if your child has other funds and repays the mortgage with them before taking out the loan with you), the tax authorities may consider them to be two separate transactions and prevent your child from benefiting from the deduction for this loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-8114df9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8114df9\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e3cddfb\" data-id=\"e3cddfb\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84a1d9d elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"84a1d9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomInDown&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If the mortgage was taken out before 2013 and for the purchase of the main residence, your child will also be able to apply the home purchase deduction for the personal loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Loan between individuals or to a family member: if your child has a mortgage with the bank and you want to help them, lend them money to pay it back and take out a personal loan with them. Interest-free loans between family members Repayment of a mortgage or loan between private individuals As you have [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":34941,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","inline_featured_image":false,"footnotes":""},"categories":[45],"tags":[],"class_list":["post-35990","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"featured_image_src":{"landsacpe":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-particulares-1140x445.jpg",1140,445,true],"list":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-particulares-463x348.jpg",463,348,true],"medium":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-particulares-300x169.jpg",300,169,true],"full":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-particulares.jpg",1920,1080,false]},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Loan between individuals: how a mortgage works for child or friend - Asesor\u00eda Orihuela Costa<\/title>\n<meta name=\"description\" content=\"Loan between individuals : an option to help your child pay off their mortgage without accruing interest. See how to do it here. \u2714\ufe0f\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan between individuals: how a mortgage works for a child or a friend\" \/>\n<meta property=\"og:description\" content=\"Loan between individuals : an option to help your child pay off their mortgage without accruing interest. See how to do it here. \u2714\ufe0f\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/\" \/>\n<meta property=\"og:site_name\" content=\"Asesor\u00eda Orihuela Costa\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/asesoriaorihuelacosta\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/patrick.gordinneperez\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-12T15:17:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-particulares.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Patrick Gordinne Perez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Patrick Gordinne Perez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/\"},\"author\":{\"name\":\"Patrick Gordinne Perez\",\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/#\\\/schema\\\/person\\\/6614ce8cf6d2de542aaf351629fd539e\"},\"headline\":\"Loan between individuals: how a mortgage works for a child or a friend\",\"datePublished\":\"2026-01-12T15:17:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/\"},\"wordCount\":1330,\"publisher\":{\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/prestamo-entre-particulares.jpg\",\"articleSection\":[\"Blog\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/\",\"url\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/\",\"name\":\"Loan between individuals: how a mortgage works for child or friend - Asesor\u00eda Orihuela Costa\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/prestamo-entre-particulares.jpg\",\"datePublished\":\"2026-01-12T15:17:19+00:00\",\"description\":\"Loan between individuals : an option to help your child pay off their mortgage without accruing interest. See how to do it here. \u2714\ufe0f\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/prestamo-entre-particulares.jpg\",\"contentUrl\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/prestamo-entre-particulares.jpg\",\"width\":1920,\"height\":1080,\"caption\":\"prestamo entre particulares\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/loan-between-individuals\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Loan between individuals: how a mortgage works for a child or a friend\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/\",\"name\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/\",\"description\":\"Grupo de asesores profesionales\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/#organization\",\"name\":\"Asesor\u00eda Orihuela Costa\",\"url\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Logo-espa\u5bf8l-asesoriaorihuela.jpg\",\"contentUrl\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Logo-espa\u5bf8l-asesoriaorihuela.jpg\",\"width\":588,\"height\":136,\"caption\":\"Asesor\u00eda Orihuela Costa\"},\"image\":{\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/asesoriaorihuelacosta\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.asesoriaorihuelacosta.com\\\/en\\\/#\\\/schema\\\/person\\\/6614ce8cf6d2de542aaf351629fd539e\",\"name\":\"Patrick Gordinne Perez\",\"description\":\"Soy economista colegiado por el colegio de economistas de Alicante con el n\u00famero 2722. Llevo ejerciendo desde el a\u00f1o 2005. Soy especialista en fiscalidad de empresas y aut\u00f3nomos y tambi\u00e9n especialista en gestionar compraventas. Hablo espa\u00f1ol, ingl\u00e9s y franc\u00e9s.\",\"sameAs\":[\"https:\\\/\\\/www.asesoriaorihuelacosta.com\",\"https:\\\/\\\/www.facebook.com\\\/patrick.gordinneperez\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/patrick-gordinne-perez-1b73aab3\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC5e95RJEVQlxCnhwDmGNVCw\"],\"gender\":\"Hombre\",\"knowsLanguage\":[\"ingl\u00e9s\",\"franc\u00e9s\",\"espa\u00f1ol\"],\"jobTitle\":\"Gerente\",\"worksFor\":\"Asesoria Orihuela Costa SL\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Loan between individuals: how a mortgage works for child or friend - Asesor\u00eda Orihuela Costa","description":"Loan between individuals : an option to help your child pay off their mortgage without accruing interest. See how to do it here. \u2714\ufe0f","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/","og_locale":"en_US","og_type":"article","og_title":"Loan between individuals: how a mortgage works for a child or a friend","og_description":"Loan between individuals : an option to help your child pay off their mortgage without accruing interest. See how to do it here. \u2714\ufe0f","og_url":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/","og_site_name":"Asesor\u00eda Orihuela Costa","article_publisher":"https:\/\/www.facebook.com\/asesoriaorihuelacosta","article_author":"https:\/\/www.facebook.com\/patrick.gordinneperez","article_published_time":"2026-01-12T15:17:19+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-particulares.jpg","type":"image\/jpeg"}],"author":"Patrick Gordinne Perez","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Patrick Gordinne Perez","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/#article","isPartOf":{"@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/"},"author":{"name":"Patrick Gordinne Perez","@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/#\/schema\/person\/6614ce8cf6d2de542aaf351629fd539e"},"headline":"Loan between individuals: how a mortgage works for a child or a friend","datePublished":"2026-01-12T15:17:19+00:00","mainEntityOfPage":{"@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/"},"wordCount":1330,"publisher":{"@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/#organization"},"image":{"@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/#primaryimage"},"thumbnailUrl":"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-particulares.jpg","articleSection":["Blog"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/","url":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/","name":"Loan between individuals: how a mortgage works for child or friend - Asesor\u00eda Orihuela Costa","isPartOf":{"@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/#primaryimage"},"image":{"@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/#primaryimage"},"thumbnailUrl":"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-particulares.jpg","datePublished":"2026-01-12T15:17:19+00:00","description":"Loan between individuals : an option to help your child pay off their mortgage without accruing interest. See how to do it here. \u2714\ufe0f","breadcrumb":{"@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/#primaryimage","url":"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-particulares.jpg","contentUrl":"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2024\/11\/prestamo-entre-particulares.jpg","width":1920,"height":1080,"caption":"prestamo entre particulares"},{"@type":"BreadcrumbList","@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/loan-between-individuals\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.asesoriaorihuelacosta.com\/en\/"},{"@type":"ListItem","position":2,"name":"Loan between individuals: how a mortgage works for a child or a friend"}]},{"@type":"WebSite","@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/#website","url":"https:\/\/www.asesoriaorihuelacosta.com\/en\/","name":"https:\/\/www.asesoriaorihuelacosta.com\/","description":"Grupo de asesores profesionales","publisher":{"@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.asesoriaorihuelacosta.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/#organization","name":"Asesor\u00eda Orihuela Costa","url":"https:\/\/www.asesoriaorihuelacosta.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2022\/06\/Logo-espa\u5bf8l-asesoriaorihuela.jpg","contentUrl":"https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2022\/06\/Logo-espa\u5bf8l-asesoriaorihuela.jpg","width":588,"height":136,"caption":"Asesor\u00eda Orihuela Costa"},"image":{"@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/asesoriaorihuelacosta"]},{"@type":"Person","@id":"https:\/\/www.asesoriaorihuelacosta.com\/en\/#\/schema\/person\/6614ce8cf6d2de542aaf351629fd539e","name":"Patrick Gordinne Perez","description":"Soy economista colegiado por el colegio de economistas de Alicante con el n\u00famero 2722. Llevo ejerciendo desde el a\u00f1o 2005. Soy especialista en fiscalidad de empresas y aut\u00f3nomos y tambi\u00e9n especialista en gestionar compraventas. Hablo espa\u00f1ol, ingl\u00e9s y franc\u00e9s.","sameAs":["https:\/\/www.asesoriaorihuelacosta.com","https:\/\/www.facebook.com\/patrick.gordinneperez","https:\/\/www.linkedin.com\/in\/patrick-gordinne-perez-1b73aab3\/","https:\/\/www.youtube.com\/channel\/UC5e95RJEVQlxCnhwDmGNVCw"],"gender":"Hombre","knowsLanguage":["ingl\u00e9s","franc\u00e9s","espa\u00f1ol"],"jobTitle":"Gerente","worksFor":"Asesoria Orihuela Costa SL"}]}},"_links":{"self":[{"href":"https:\/\/www.asesoriaorihuelacosta.com\/en\/wp-json\/wp\/v2\/posts\/35990","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.asesoriaorihuelacosta.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.asesoriaorihuelacosta.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.asesoriaorihuelacosta.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.asesoriaorihuelacosta.com\/en\/wp-json\/wp\/v2\/comments?post=35990"}],"version-history":[{"count":6,"href":"https:\/\/www.asesoriaorihuelacosta.com\/en\/wp-json\/wp\/v2\/posts\/35990\/revisions"}],"predecessor-version":[{"id":35999,"href":"https:\/\/www.asesoriaorihuelacosta.com\/en\/wp-json\/wp\/v2\/posts\/35990\/revisions\/35999"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.asesoriaorihuelacosta.com\/en\/wp-json\/wp\/v2\/media\/34941"}],"wp:attachment":[{"href":"https:\/\/www.asesoriaorihuelacosta.com\/en\/wp-json\/wp\/v2\/media?parent=35990"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.asesoriaorihuelacosta.com\/en\/wp-json\/wp\/v2\/categories?post=35990"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.asesoriaorihuelacosta.com\/en\/wp-json\/wp\/v2\/tags?post=35990"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}