スペインの経済大臣ルイス·デ·ギンドは、住宅ローンの最大期間を最高30年に制限
El Gobierno limitará por ley el plazo máximo de las hipotecas a 30 años
Guindos anuncia que los jueces tendrá potestad para reducir la deuda de los desahuciados
Elevará el umbral de ingresos para poder acogerse al código de buenas prácticas
El Ejecutivo también pretende fijar un tope a los intereses de demora en caso de impago
Agencias MADRID 30 ENE 2013 - 16:47 CET
The government limited by law the maximum term of 30-year mortgages
Guindos announced that judges have the power to reduce the debt of the hopeless
Raise the income threshold to qualify for the Code of Practice
The government also intends to set a cap on default interest in case of default
Agencies MADRID 30 ENE 2013 - 16:47 CET
The Economy Minister Luis de Guindos, announced this afternoon in Congress a package of measures to try and tackle desahuicios curb the practices that have led to the increase in foreclosures in recent years. On the side of the evictions, as has moved to the minister, the government wants to give judges the power to reduce the debts that are pending to families victims of evictions if the bank makes a profit by selling the house. Also raise the income threshold for a greater number of families eligible under the code of practice that was launched at the time to stop evictions. On the other hand, regarding the conditions under which loans are signed and excessive risk taking, will impose a limit of 30 years to the term of the mortgage and limited default interest in case of default.
Guindos has made these announcements in his speech to House to defend the bill on urgent measures to strengthen the protection pair mortgagors. In his speech, the Minister explained that these changes will be introduced during the period of partial amendments to this bill. The goal, defended, is "better regulation because the dramatic situation facing many Spanish families deserve the best effort and understanding of all."
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This also will reform the Mortgage Law and the regulation of the mortgage market in order to "balance the parties' position" on matters such as the requirements of clauses, appraisals and default interest. Specifically, the default interest limited to three times the legal interest "to avoid exorbitant growth of debt and facilitate mortgage borrowers can afford to pay."
In addition, "reinforce the independence" of the appraisal companies over banks, limiting their presence in the shareholding of the company, which will be reduced from 25 to 10% - and "harden the alleged infringement." Credit institutions will also have to "accept any certified valuation of a property provided by the client" and a breach of this provision shall be punishable, which "will increase the competence and objectivity of market valuations."
In this sense also changes the Civil Procedure Act not to commence foreclosure proceedings until they have produced three defaults, and additional measures will be taken "financial prudence" as limiting to 30 years the deadline for grant residence mortgages. Along with this, suggest changing the wording on some clauses "especalmente complex" as ground clauses, which in fact are being overturned by the courts, or multicurrency mortgage interest swaps. In this regard, in addition to state in writing that the notary has expressly advised the debtor of the existence of these components also require handwritten acceptance acceptance.
The Council of Consumers and Users and other administrative authorities are also empowered to "require the Bank of Spain to initiate disciplinary proceedings against an appraiser."
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