スペインの銀行のによる住宅ローン不払いによる立ち退きを止めてくれ!!!住宅ローン不払いによる立ち退き救済法では10%の被害者のみ救済
“¡Que paren el desahucio!”
La ley que aprobó el Gobierno en 2013 solo ha beneficiado a un 10% de los desalojados
ESPECIAL El drama de los desahucios en España
Presión sobre los bancos
Toda la información sobre los desahucios
Marina Gómez-Robledo / J. Jiménez Gálvez Madrid 14 ABR 2014 - 00:05 CET
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"That stop eviction!"
The law passed by the government in 2013 has benefited only 10% of the homeless
SPECIAL The drama of evictions in Spain
Pressure on banks
All information on evictions
Marina Gómez-Robledo / Gálvez J. Jiménez Madrid 14 ABR 2014 - 00:05 CET
A quiet Beatriz Sanguña just the sight of him home. With short steps and silently every time the bell rings in the morning of April 11 , this mother is about 52 years fearful to the door and looks at who the other side. With the bolt and cast chain. " I just do not know if we will leave today on the street ," he whispers as a few feet behind her, her four children , her husband and her two granddaughters , one and three years long for the happy ending of a " martyrdom " that began earlier this year , with the first eviction notice . At eight , the police burst into the portal and the family is shaken by the anxiety of what will happen to them now . They come to evict them.
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The riot cross the threshold of the building deteriorated , with chips and a useless handset . And two floors above, in the second , the mother trembles at the possibility of joining the long list of victims overwhelmed by the drama of evictions in Spain : in 2013 there were 82,860 foreclosures , 9.8 % less than the year above, according to the latest report of the General Council of the Judiciary ( GCJ ) . This social tragedy try to solve the Rajoy government with legislative reform to be a year on May 15 and has allowed slightly alleviate the problem. Since its entry into force have been suspended expulsion orders hanging over more than 8,000 families , announced this week the Minister of Economy, Luis de Guindos .
Figures " insufficient" for opposition parties . These qualify as " patch" the policy change. As the Platform of People Affected by Mortgages (PAH ), which estimates that " only " 10% of people who could not afford the monthly fee have been eligible for the proposed change in the PP Act two-year moratorium . Because the reform of the Executive provides an immediate halt eviction - until May 15, 2015 - of those at " particular risk of social exclusion." This group includes those who meet two types of conditions required by law. A social character : like having less than three years or a disabled dependent ; or be large family ; or be a victim of male violence. And some economic : not having incomes above three times the minimum wage (ie , about 1,600 euros per month ) and that their economic situation has not suffered a "significant " change in the previous four years .
Requirements that Joan Coscubiela , spokesperson Plural Left in the Economic Committee of Congress, considered " demanding and exclusive." "This is a placebo law ", adds the deputy. "It is a law that does the job because she can not accommodate most affected," adds Ciuró Lourdes , CiU parliamentary . And rivets Leire Iglesias (PSOE ) : " The new rules could improve some processes, but that was it ." PAH shares the vision : " It is extremely restrictive and not good for much ," while acknowledging that " it was worth something ."
Granddaughter three years in his apartment Beatriz Sanguña on 11 March, the day of the attempted eviction. / Santi Burgos
Chasi Mario 's eyes , the husband of Beatriz Sanguña , redden , "This is demeaning ," says haltingly . Dressed in a polo shirt, jeans, sneakers and a discrete chain topped by a gold cross around his neck. This mechanical unemployed , 54, remembers his arrival in Spain nearly two decades ago . Recounts sitting on a red bench in the living room at home how landed in Madrid from Ecuador to build a new life. It was 1996. " Two years later, we had it brought to our four children." Everything was going well . He was discharged as a freelancer and earning between 1,000 and 1,200 euros per month. She worked as a cleaner . And , coinciding with the full economic boom in the country, they decided to purchase a home in the 57th Street Valderrivas Road , next to poor neighborhood of Puente de Vallecas in the capital. Were mortgaged for 240,000 euros to 30 years and started to meet a quota of 800 euros for a three bedroom house . Quantity , then, could pay .
Father , which sets 2010 as the year of the beginning of the " nightmare " " But everything got screwed " sentence. Tuition began to climb up to 1,700 euros. They swelled the unemployment rolls . And in 2012 succumbed : they could with the mortgage. Of his four children, aged between 30 and 25 years , only one has found employment. And with his salary of 1,000 euros less than the eight living members of the family. "Sometimes we ask money out there ," says Beatriz Sanguña , who remembers how last January 12 was the first attempt of eviction. Then, in late March . And the third , on April 11 . The floor was auctioned , Bankia sold for 140,000 euros to " know someone " - and the new owner ordered the expulsion order , says Marcos, lawyer PAH .
There were 82,860 foreclosures in 2013
The platform has assisted in the process and also has focused on the doors of your building day fixed by the judicial commission to remove them by force. The last time , last Friday . "Reform Act allowed judges to intervene if there are unfair terms. But if it is just that they can not pay the fee, we can only limit to analyze whether families are eligible ," said Manuel Almenar , Judge Provincial Court of Pontevedra and the GCJ exvocal who led a report commissioned by the institution where the abuse of the legal system evictions denouncing " the conditions for the moratorium request , promote and regulate social rent -indebtedness should be more flexible . like there is for society bankruptcy , should have a similar formula for it " .
Pressure on banks
The latest report of the General Council of the Judiciary notes that " the number of foreclosures in 2013 was 9.8% less than the previous year , a drop that may have as a cause the publication of the Law on measures to strengthen the protection of debtors [ approved a year ago ] . " So Vicente Martínez- Pujalte , PP spokesman in the Commission of Economy, chest out battery of measures taken by the Executive , as the Social Housing Fund , which offers rentals evicted. Although this has only allocated 630 homes , the 5,891 available , according to data provided by the government following a parliamentary question of CiU. A low level has forced the Minister of Economy, Luis de Guindos , to announce an " awareness " of the requirements to qualify for a lease of these features .
Another initiative is the defending Pujalte Code of Practice , which initialed 97 banks. This has allowed 3,800 viable debt restructuring and payments in 1300 . Modest numbers when compared to the 120,000 families , announced the PP before the entry into force of the policy change , would benefit from these measures. " But that code has had positive effects of pressure on financial institutions ," said the deputy. This greater responsiveness on the part of banks to support the Platform of People Affected by Mortgages (PAH ), but attributed instead to the social pressure and mobilizations.
Currently , the government does not raise an advance in that direction. Although the problem has risen again after the eviction social expectation of Seville corrala Utopia , a building Ibercaja occupied by 22 families ; and after the Diocese of Canarias leave six others on the brink of eviction to sell some land of Lanzarote which had allowed them to build in 1959. " if the problem in Spain is an extension of the suspension of evictions will be studied for people at risk of social exclusion [ which ends on May 15, 2015 , when they will take to their homes ] , "says Vicente Martínez- Pujalte , PP spokesman in the Commission of Economy, which he described as " positive " legislative reform last year.
Home of Sanguña Chasi has been hard to sleep tonight. And when the police burst into the portal , the tension increases. The "panic" seizes the father, who rises to the top floor of the building and sits on the stairs " to expect it to happen ." " What if we take , we give time to pack our things ? " His wife asked. The minutes pass . From the street come the shouts of support twenty concentrates : "That stop eviction " . And shortly before nine , the family received a call from the bank. "We did not throw . Going to give us a social rent " shouts Giovanni , the eldest son , to the crowd. "Although we do not know if they'll remove the debt or we will stay with her for life ."
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