Two-year ban on evictions for at-risk mortgage debtors

Automatic summary, not yet reviewed

1. For two years, mortgage debtors in a situation of special vulnerability cannot be evicted from their primary home, even if the lender has taken ownership of the home. The process continues, but the eviction is put on hold.
2. To qualify, you must belong to certain groups (large families, single-parent families with two children, families with a child under three, members with a disability or dependency, unemployed people who have used up their benefits, or victims of gender violencegender violence Violence a woman suffers from a current or former partner because she is a woman.) and meet financial requirements: income of up to three times the IPREM, a mortgage payment above 50 percent of net income, and a mortgage on the debtor's only home.
3. The debtor must prove they meet the requirements before the judge or notary, with documents such as income certificates, pay slips, registration records and a signed statement.
4. The Government must push the financial sector to create a social housing fund offering affordable rent to people who have been evicted. The rule also applies to cases already underway if the eviction has not yet been carried out.

Who it affects

• Families with a mortgage on their primary home at risk of social exclusion: They can request a suspension of the eviction if they meet the vulnerability and financial requirements.
• Mortgage debtors: They must prove the requirements before the judge or notary with specific documents.
• Government and credit institutions: They must promote a social housing fund with affordable rent.

Words worth knowing

Lanzamiento (eviction order)

The act in which the authorities remove people from the home and hand it over to the lender.

Ejecución hipotecaria (mortgage foreclosure)

Judicial or out-of-court process to take the home when the mortgage is not paid.

IPREM (Indicador Público de Renta de Efectos Múltiples)

A Spanish reference index used to calculate benefits and income limits.

Declaración responsable (signed statement)

A document in which the debtor states in writing that they meet the required conditions.

gender violence

Violence a woman suffers from a current or former partner because she is a woman.

It summarizes the law as published in the BOE. It is written by artificial intelligence and may contain mistakes: the official text is what counts. Read the official text · How we make summaries