{"id":11153,"date":"2026-01-09T07:42:10","date_gmt":"2026-01-09T15:42:10","guid":{"rendered":"https:\/\/www.emboldcu.org\/?p=11153"},"modified":"2026-01-12T07:56:29","modified_gmt":"2026-01-12T15:56:29","slug":"new-irs-auto-loan-deduction","status":"publish","type":"post","link":"https:\/\/www.emboldcu.org\/es\/blog\/announcements\/new-irs-auto-loan-deduction\/","title":{"rendered":"Nueva deducci\u00f3n por pr\u00e9stamos para autom\u00f3viles del IRS"},"content":{"rendered":"<p><em>Aprenda c\u00f3mo ver si califica y qu\u00e9 documentos necesitar\u00e1.<\/em><\/p>\n<p><strong>\u00a1Buenas noticias! Podr\u00edas calificar para una nueva deducci\u00f3n de impuestos federales en tu pr\u00e9stamo para auto en Embold.<\/strong><\/p>\n<p>A partir de 2025, el IRS permitir\u00e1 que las personas deduzcan los impuestos <strong>intereses pagados sobre pr\u00e9stamos para autom\u00f3viles nuevos para uso personal<\/strong>\u2014incluso si no detalla sus impuestos.<\/p>\n<p><strong>\u00bfQu\u00e9 califica?<\/strong><\/p>\n<p>Para ser elegible, su pr\u00e9stamo debe:<\/p>\n<ul>\n<li>Originar <strong>despu\u00e9s del 31 de diciembre de 2024<\/strong><\/li>\n<li>Estar a favor de un <strong>veh\u00edculo nuevo<\/strong> (no utilizado)<\/li>\n<li>Estar a favor <strong>s\u00f3lo para uso personal<\/strong> (no negocio)<\/li>\n<li>Ser <strong>asegurado por un gravamen<\/strong> en el veh\u00edculo<\/li>\n<li>El veh\u00edculo debe tener <strong>montaje final en EE.UU.<\/strong><\/li>\n<\/ul>\n<p><strong>No elegible:<\/strong><\/p>\n<ul>\n<li><strong>Arrendamientos<\/strong><\/li>\n<li><strong>Veh\u00edculos usados<\/strong><\/li>\n<li><strong>Veh\u00edculos comerciales o de negocios<\/strong><\/li>\n<\/ul>\n<p><strong>\u00bfCu\u00e1nto puedo deducir?<\/strong><\/p>\n<ul>\n<li>Arriba a <strong>$10,000 por a\u00f1o<\/strong> en inter\u00e9s<\/li>\n<li>La deducci\u00f3n se elimina gradualmente para los ingresos superiores a:\n<ul>\n<li><strong>$100,000<\/strong> (soltero)<\/li>\n<li><strong>$200,000<\/strong> (articulaci\u00f3n)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>\u00bfQu\u00e9 necesitar\u00e9 para reclamar la deducci\u00f3n?<\/strong><\/p>\n<ul>\n<li>Su <strong>estado de cuenta de pr\u00e9stamo de fin de a\u00f1o<\/strong><\/li>\n<li>Su <strong>N\u00famero de identificaci\u00f3n del veh\u00edculo (VIN)<\/strong><\/li>\n<li>Documentaci\u00f3n que demuestre que el pr\u00e9stamo cumple con los requisitos del IRS<\/li>\n<\/ul>\n<p><strong>Tenga en cuenta:<\/strong> envalentonar la voluntad <strong>no emitir un formulario 1098<\/strong> Para esta deducci\u00f3n, el IRS no ha creado una y no es obligatoria.<\/p>\n<p><strong>\u00bfD\u00f3nde puedo encontrar mi VIN?<\/strong><\/p>\n<p>Su <strong>N\u00famero de identificaci\u00f3n del veh\u00edculo (VIN) de 17 d\u00edgitos<\/strong> se puede encontrar:<\/p>\n<ul>\n<li>En el <strong>panel<\/strong>, visible a trav\u00e9s del parabrisas del lado del conductor<\/li>\n<li>En el <strong>marco de la puerta del lado del conductor<\/strong> etiqueta<\/li>\n<li>En tu <strong>p\u00f3liza de seguro de autom\u00f3vil<\/strong><\/li>\n<li>En tu <strong>matriculaci\u00f3n del veh\u00edculo<\/strong><\/li>\n<li>En tu <strong>documentaci\u00f3n de compra<\/strong><\/li>\n<\/ul>\n<p><strong>\u00bfC\u00f3mo puedo verificar si mi veh\u00edculo califica?<\/strong><\/p>\n<p>Utilice el oficial <strong>Herramienta de decodificaci\u00f3n de VIN de la NHTSA<\/strong> Para comprobar su veh\u00edculo <strong>planta de fabricaci\u00f3n<\/strong>:<\/p>\n<ul>\n<li><a href=\"https:\/\/vpic.nhtsa.dot.gov\/decoder\/\">Revisar mi veh\u00edculo<\/a><\/li>\n<\/ul>\n<p><strong>Embold no puede verificar su VIN<\/strong> para ti.<br \/>\nPor razones de privacidad y responsabilidad, lo guiaremos sobre c\u00f3mo encontrar su VIN, pero deber\u00e1 ingresar e interpretar los resultados usted mismo.<\/p>\n<p><strong>\u00bfNecesitar ayuda?<\/strong><\/p>\n<p>Estaremos encantados de ayudarle a acceder a sus documentos de pr\u00e9stamo o a su estado de cuenta de fin de a\u00f1o.<br \/>\nComun\u00edquese con nosotros a trav\u00e9s de un mensaje seguro en Banca Digital, ll\u00e1menos o visite su sucursal m\u00e1s cercana.<\/p>\n<p><strong>Recordatorio:<\/strong><\/p>\n<p><strong>No somos expertos en impuestos. <\/strong><br \/>\nConsulte con un asesor fiscal calificado o visite <a href=\"https:\/\/www.irs.gov\">irs.gov<\/a> para obtener orientaci\u00f3n completa.<\/p>","protected":false},"excerpt":{"rendered":"<p>Aprenda c\u00f3mo determinar si califica y qu\u00e9 documentos necesitar\u00e1. \u00a1Buenas noticias! Podr\u00eda calificar para una nueva deducci\u00f3n de impuestos federales en su pr\u00e9stamo para auto de Embold. A partir de\u2026 <a href=\"https:\/\/www.emboldcu.org\/es\/blog\/announcements\/new-irs-auto-loan-deduction\/\">Lee mas<\/a><\/p>","protected":false},"author":32,"featured_media":11029,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-11153","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-announcements"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>New IRS Auto Loan Deduction | Embold Credit Union<\/title>\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.emboldcu.org\/es\/blog\/announcements\/new-irs-auto-loan-deduction\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New IRS Auto Loan Deduction\" \/>\n<meta property=\"og:description\" content=\"Learn how to see if you qualify and what documents you\u2019ll need. Good news! You may qualify for a new federal tax deduction on your Embold auto loan. 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