スペイン政府の、住宅ローン未払いによる立ち退き対策法では、当初の600'000家族の受益者から120'000家族の立ち退き防止に減少、実際には毎日500家族が立ち退きに会う。
el drama de las hipotecas abusivas
Guindos rebaja a 120.000 los potenciales beneficiarios del decreto antidesahucios
El ministro de Economía cifró en 600.000 los "teóricos" afectados por la moratoria de la norma
La bolsa de pisos en alquiler para desalojos cuenta ya con 6.000 viviendas
El Congreso convalida esta mañana el decreto con los votos del PP y de UPyD
El resto de grupos considera inaceptable la norma por entender que se queda corta
DESCARGABLE Texto íntegro de la intervención de Luis de Guindos en el Congreso
Elsa García de Blas / Fernando Garea Madrid 29 NOV 2012 - 11:54 CET
the drama of abusive mortgages
Guindos rebate to 120,000 potential beneficiaries of the decree antidesahucios
Economy Minister totaled 600,000 "theoretical" affected by the moratorium on the rule
Bag condo rentals for evictions now has 6,000 homes
Congress Decree validates this morning with the votes of the PP and UPyD
The other groups deemed unacceptable on the grounds that the standard falls short
DOWNLOADABLE Full text of speech by Luis de Guindos in Congress
Elsa Garcia de Blas / Fernando Garea Madrid 29 NOV 2012 - 11:54 CET
The Economy Minister Luis de Guindos, downgraded in Congress to 120,000 families antidesahucios potential beneficiaries of the decree that has validated the House this morning, even though he stood at 600,000 "theoretical" affected by the standard. The economy minister has acknowledged that the number you provided is not accurate today and be much smaller, "since it does not exist, not at all, 120,000 evictions by residence in a year." The government argues, in fact, that in the last four years have at most 15,000 evictions of residence. Furthermore, Guindos announced that the stock of flats for homeless, voluntarily contributing entities, already has 6,000 homes.
The government made the first calculation of the potential beneficiaries of the decree that gave the minister nine days ago on the basis that 600,000 families in Spain earn less than 19,000 euros a year (one of the requirements set by the standard economic) and spend more than 50% of their income to pay the mortgage (another requirement), explained Economics. But as the decree establishes other requirements in addition to the economic family, which are cumulative, the Ministry has adjusted that figure downward. In any case, as pointed Guindos, today is also the approximate, because there are so many families affected by the eviction process. The minister also added today that 83% of evictions not affect first home and most are empty when it comes to the execution of the eviction.
Thus the estimated 120,000 beneficiaries Economy
The Minister explained how we got to the new figure of 120,000 potential beneficiaries of the decree. According to the INE, said Guindos, of the more than 17 million homes in Spain, 45% would be below the average income required (less than 19,000 euros per year).
Of these, it is estimated that about 445,000 families meet the other two economic conditions simultaneously, ie paying a mortgage that is more than 50% of its total revenue and that in the past four years have been altered significant economic circumstances.
From here, approximately 25% of these 445,000 families meet some family circumstances required. From there you will reach the 120,000 families that according to the Government shall qualify for the moratorium of two years after they have lost their homes. The government argues, however, that in the last four years alone there have been, at most, 15,000 evictions of residence.
A spokeswoman for the Economy then offered his version of the figures: "Guindos not cut any figure beneficiaries of evictions: the 600,000 are those below the income limit them and your mortgage is more than 50% of this. Access the two-year moratorium must also satisfy one of the family circumstances required. Crusaders Once all these data we estimate that there are 120,000 families that meet all requirements. This was always explained with novelty today we take a data tighter ".
The Socialist spokesperson, Soraya Rodriguez, described the text as "arbitrary" because it excludes profiles that are very vulnerable, and it has censored "so restrictive measures leaving without content". "Not up to the height of urgent and necessary, "he concluded. The Socialist spokesman mentioned the "abusive" arrears and can not be beneficiaries of the two-year ban in cases where the property is awarded in the auction a third party other than a bank. "Do not be afraid of any action," Guindos has broached to.
The minister has also suggested, in his defense of the decree in the stands, that the government is not the work of deep reform of the law governing the eviction process as asking those affected, judges and opposition. " No action can be taken to alter the overall design of the regulatory system, "he assured. According Guindos, the measures taken to deal with evictions must not make access to credit or housing in a "privilege".
The minister has made some of the lines where it could go reform law, which will be discussed during the parliamentary process. De Guindos has spoken to "review the default interest to the people at the threshold of exclusion can cope with greater ease the cost of debt", to "give more independence to appraisal companies against banking institutions", to "avoid over-indebtedness in the future, especially encouraging more prudent behavior on purchases of primary residences," or "avoid unfair terms in mortgage contracts" and "clarify the extremely complex mortgage market, for example, contracted in foreign currency ".
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The House has given the green light with 185 votes in favor, 146 against and 2 abstentions to antidesahucios decree approved last week by the Council of Ministers. It has done so with the votes of the PP and UPyD. A fortnight ago it created an expectation of consensus after three days of talks between the Government and the PSOE to ease the situation created by the mortgage defaults and subsequent executions of evictions.
However, the government approved the decree alone and today has more support than the party of Rosa Díez, not because both parties share the contents of the decree, but because UPyD Government is committed to extend it for the process as Bill starts now. PP spokesman, Alfonso Alonso, undertook to study the spread of payments in kind to mortgage defaults. Without more specificity.
PP spokesman said that "philosophy" of UPyD contains interesting contributions on the mortgage law and the Bankruptcy Act and the proposal to devise a procedure that has second chance for those affected by a supervening insolvency.
The other groups deemed unacceptable on the grounds that the decree falls short and does not address the merits of the case, ie the modification of the mortgage law. The PP contacted yesterday with other groups, who moved their demands for discussion during the process of the law. But today's vote all but PP and UPyD, will be negative.
Mariano Rajoy in Congress yesterday defended the decree "are paralyzed evictions for two years for not exceeding an income of 1,597 euros per month and create a social fund housing for those who have lost their homes to rent at a very low price. " As the Prime Minister said in response to the general coordinator of IU, Cayo Lara, "are emergency measures, effective and operational, while maintaining the principles of law and not make the exception the general rule."
Lara replied that the decree is the result of pressure from the banks that prevents modifying the law to extend the exceptional. "The limits of the decree has placed Spanish banks. This is the same bank that threatens to remove the credit if the mortgage law is changed, "he said.
34 cases of payment in the second quarter of the Code of Good Practice
The Government today provided the balance of the second quarter of the Code of Good Practice for the banks, the first measure approved by the executive decree to alleviate the evictions of the most vulnerable. The Code, unlike the decree, is voluntary.
According to figures provided by the Minister of Economy in Congress, from July to September this year, 722 banks have received requests from families who wanted to benefit from the measures. Of the 604 that have been solved, in 127 cases the debt was restructured, and 34 were allowed in payment and extinguishment of debt.
In the first quarter of the Code, of 568 applications received (of 285 was completed processing) were 44 and eight restructuring payments in kind.
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