The
new regime that eases access to the extraordinary regime
protection of debtors housing loan, extending the terms of
access to families in very difficult economic situation, enters into force
this Wednesday.
The extraordinary protection regime for mortgage borrowers confers a set of rights and guarantees to bank customers in very difficult economic situation who are defaulting on their obligations under credit contracts to permanent housing.
You can request access to the extraordinary system of credit borrowers to permanent housing contracts in default to fulfill the access conditions provided for by law, as well as the guarantors of such contracts
Key features of the new law (as stated in the Banking Customer portal.):
access to the system: conditions relating to Property- The tax value of the property on which the mortgage falls that guarantees mortgage loans is equal to or less than the following amounts: 100 000 euros, if location coefficient up to 1.4; 115 000 euros, if location coefficient between 1.5 and 2.4; 130 000 euros, if location coefficient between 2.5 and 3.5
Access scheme:. Conditions concerning the economic situation of the household of the debtor
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