スペインの銀行協会は、非常に重要な必要性の場合には住宅ローンの未払いによる立ち退きの強制を停止すると発表
La banca acuerda paralizar los desahucios por “circunstancias de extrema necesidad”
La patronal muestra su voluntad de "paliar la situación de desamparo de muchas personas"
La medida para bloquear los nuevos procesos estará vigente durante los dos próximos años
Las cajas también paralizan los procesos sobre vivienda habitual hasta que se cambie la ley
Álvaro Romero / Íñigo de Barrón Madrid 12 NOV 2012 - 12:35 CET
The bank agrees to halt evictions by "circumstances of extreme necessity"
The employer shows its willingness to "alleviate the dire situation facing many people"
The move to block the new processes will run for the next two years
The boxes also paralyze the process of residence until the law is changed
Alvaro Romero / Barron Íñigo Madrid 12 NOV 2012 - 12:35 CET
The Spanish Banking Association (AEB) announced today that the Government accepts the proposal to halt evictions in extreme cases, as agreed Friday to the Executive and the PSOE to address the growing social pressure and rejection practices entities. "Given the social alarm generated by mortgage foreclosures," the employer said in a statement it has reached a compromise by which all members paralyze "launches during the next two years in cases involving circumstances of extreme necessity."
Furthermore, financial institutions associated with the Spanish Confederation of Savings Banks (CECA), the former savings banks have also announced that "suspending the execution of evictions of residence for especially vulnerable, until the entry into force of the regulatory reform announced by the authorities. "
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The dealer does not consist of concrete in which these extreme circumstances. In any case, the measure will not be retroactive, so it does not apply to mortgages that are in foreclosure. According to the organizations, since 2008 172 000 evictions were executed and over 178,000 cases pending in court proceedings that are open. The latter, the agreement itself they could solve the problems if it is confirmed that paralyze the proceedings underway.
As indicated by the AEB, the measure is taken "for humanitarian reasons and as part of its social responsibility policy." "The contents of this commitment was the subject of intense debate and deep bank partners to help alleviate the dire situation facing many people because of the economic crisis," says the note.
Furthermore, in view of the contacts between the major parties for possible reform of banking, AEB says he is "available to the government, the main opposition party and other political formations, to offer an opinion on management mortgage market so that it can continue to meet the primary need for housing of citizens. "
The old boxes say "have studied case by case basis to offer customers more timely mortgage far as refinancing, grace periods, payment in kind or voluntary house purchase for later rent the debtor, including" .
Warn that entities should not discourage those who pay their mortgages
Before the announcement of the ECSC Kutxabank or more entities as Caja Laboral had announced its decision to suspend foreclosure proceedings. Kutxabank has materialized that the measure also affects the pending auction of properties affected.
While the explosion of foreclosures is not a new phenomenon, the publication in the mass suicides by evictions and increased social pressure has led the parties to get down to work to reform the rules. It has also motivated politicians to move quickly on the scene of the judges and his denunciation of the impunity law gives entities-and abuse-front mortgage customers.
Banks and already accepted at the time grudgingly approved code of practice in March 2012 to halt executions, that touch of 400,000 since the start of the crisis. The code, in theory, increases protection against evictions of households with all members unemployed, they had to spend more than 60% of their income on mortgage and if they had a second home. However, it only applies as long as the credit had no collateral or personal-that is, they were not supported by a relative, for example. If there are, the guarantors also had to meet the requirements of being all household members unemployed, exceed that threshold of 60% and have no other real property or rights. This conditionality is what has raised questions about the political groups that this code would have no effect to alleviate this problem.
More than 178,000 cases are in open judicial process could benefit
Anyway, according to judicial sources, the delay between starting the eviction process and concludes exceeds two years, so we still can not know the effect it may have had good practices code adopted in March .
In the bargain, the bank has established red lines. The industry believes that one should not discourage who are paying their loans because that could increase delinquencies and cause huge financial problems. Entities admit how difficult it is to differentiate between the rogue who wants to avoid paying and dramatic family situation who can not pay for unexpected problems, such as unemployment.
They also say that if you establish the foreclosed or seriously modify the guarantees, could affect mortgage bonds, which are financial products based on mortgage loans that have already been sold worldwide. "If the features change, there could be problems," he warned. In Spain there are more than 650,000 million in mortgages.
President of Banco Popular, Angel Ron, warned on Saturday that the changes in the mortgage law to paralyze evictions could "reward" the default and add "difficulties" to economic recovery. "Whatever is done, it does not affect the vast majority who pay," he advised. Ron specified that in the past three years has run a popular single eviction and then proceeded to back the person affected.
The Popular refinanced and renegotiated since the start of the crisis a total of 50,000 mortgage operations. Ron also urged to extend the code of good practice to do "much more flexible" entities.
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