As a result of the current state of emergency motivated by COVID-19, the government has published this Wednesday, March 18, 2020, measures to help pay for loans or credits secured by a real estate mortgage whose debtor is in the alleged cases. of economic vulnerability established in article 9 of the aforementioned royal decree-law, these assumptions being:
- That the mortgage debtor becomes unemployed or, in case of being an entrepreneur or professional, suffers a substantial loss of income or a substantial drop in sales.
- That the set of income of the members of the family unit does not exceed, in the month prior to the request for the moratorium:
- In general, the limit of three times the monthly Multiple Effects Public Income Indicator (hereinafter IPREM)
- This limit will be increased by 0´1 the IPREM for each dependent child in the family unit. The applicable increase per dependent child will be 0.15 times the IPREM for each child in the case of a single-parent family unit.
- This limit will be increased by 0´1 times the IPREM for each person over 65 years of age who is a member of the family unit.
- Any member of the family unit has a disability greater than 33%, dependent situation, will be 4 times the IPREM, notwithstanding the accumulated increases for each dependent child.
- That the mortgage payment, plus basic expenses and supplies, is greater than or equal to 35% of the net income received by all the members of the family unit.
The necessary documents to provide are:
- Unemployment: certificate issued by the entity that manages benefits, showing the monthly amount received as unemployment benefits or subsidies.
- Self-employed workers: certificate issued by the State Agency for Tax Administration or the competent body of the Autonomous Community, where appropriate, based on the declaration of cessation of activity declared by the interested party.