Bill to stop evictions, expand social rent and guarantee basic utilities

Automatic summary, not yet reviewed

1. The bill would impose a one-year moratorium on evictions from a primary home when the plaintiff is a large housing owner and the person is at risk of residential exclusion. It would also require a judge to weigh proportionality before ordering any eviction from a home.
2. It would require large housing owners to offer social rent of at least five years before suing, at a price capped at 10%, 12% or 18% of income depending on income level. Failing to do so would carry fines of €100,000 to €500,000.
3. For mortgages on a primary home, it would limit liability to the mortgaged property and wipe out the remaining debt through dación en pagoDación en pago Handing the home over to the bank in exchange for canceling the mortgage debt. (handing over the home). It would also cancel debts of those who lost their home since 2006 and ban seizing the primary home of non-debtor guarantors.
4. It would reform the Urban Leases Law to extend rental contracts to a minimum of five or ten years, cap prices at the INE reference index and limit rent increases between successive contracts.
5. To grow the public housing stock, it would mandate the transfer of empty homes from large owners and from the SAREB, reserve land for public rental housing, set a 20% social housing goal for municipalities with proven demand, add a surcharge on the property tax of empty homes and ban selling the public housing stock.
6. It would guarantee access to water, electricity and gas for vulnerable households: no utility shut-offs for non-payment in these cases, a social tariff and a minimum vital consumption, and companies would have to regularize service in homes without a contract, with penalties if they fail.

Who it affects

• Families at risk of residential exclusion who rent or have a mortgage: They would get eviction moratoriums, social rent, guaranteed rehousing and protected basic utilities.
• Large housing owners (banks, investment funds, and anyone with five apartments or over 800 m2): They would have to offer social rent, hand over empty homes and face fines if they fail.
• Non-debtor guarantors and co-signers: Their primary home could not be seized for someone else's debt.
• Tenants in general: They would get longer contracts, a deposit capped at one month and limits on rent increases.
• Water, electricity and gas companies: They could not cut service to vulnerable households and would have to apply the social tariff, with penalties otherwise.

Words worth knowing

IPREM

A yearly income threshold set by the Spanish State, used to calculate benefits and poverty limits.

Dación en pago

Handing the home over to the bank in exchange for canceling the mortgage debt.

Gran tenedor de viviendas

Large housing owner: banks, funds, or people owning five apartments or over 800 m2, as defined by the bill.

Lanzamiento

A court-ordered eviction from a home.

Consumo Mínimo Vital

A basic amount of water, electricity and gas guaranteed to every vulnerable household.

It summarizes the text as it was introduced. It is written by artificial intelligence and may contain mistakes: the official text is what counts. Read the official text · How we make summaries