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What it is

Bill proposes relief and softer terms for university loan borrowers

Admitted step 2 of 7 · Unfinished

It is a members’ bill. Introduced by parliamentary groups, the Senate, regional governments or citizens. It was introduced on 28 June 2018. Introduced by: Grupo Parlamentario Confederal de Unidos Podemos-En Comú Podem-En Marea.

Official title: Private member's bill approving measures of support for recipients of University Income Loans.

Follow this law

Source: Congreso de los Diputados, file 122/000248· updated 11 Nov

Automatic summary, not yet reviewed

  1. The bill would turn university loans taken out from 2008 to 2011 back into income-contingent loans: borrowers would only pay once they earn more than €22,000 a year under Spanish income tax The personal income tax (IRPF in Spain): what people pay on what they earn from work, business or savings. rules.
  2. Years in which the borrower does not exceed that €22,000 threshold would not count toward the repayment period and would carry no interest, and the debt would disappear fifteen years after the loan was signed.
  3. The Ministry of Universities, through the Tax Agency, would check who exceeds the income threshold and would stop banks from charging fees, late-payment interest or listing borrowers in default registries.
  4. Borrowers who already paid amounts without exceeding the €22,000 threshold would not be able to claim that money back.

Who it affects

  • People who received these loans to study a master's or doctorate between 2008 and 2011, and also those from the 2007 round as regards monitoring.: They would only repay once they earn over €22,000 a year, and the debt would be wiped out after fifteen years.
  • Banks and credit institutions that took part in the program.: They could not demand payment, charge fees or list borrowers as defaulters while the threshold is not met, and could face penalties if they do.
  • The Ministry of Universities and the Instituto de Crédito Oficial (official credit institute).: They would have to monitor borrowers' incomes and the behavior of the financial institutions.

Words worth knowing

Préstamo renta
A loan that is only repaid once the borrower reaches a minimum income; below that, no payments are due.
Amortización
Repaying the loan money gradually.
Carencia
A period during which no loan payments are due.
IRPF
Spanish personal income tax, the tax paid on earnings from work and other income.
Ficheros de morosidad
Default registries: lists where companies record people who owe money, making it harder to get credit.
income tax
The personal income tax (IRPF in Spain): what people pay on what they earn from work, business or savings.

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

Where it stands

How far did it get?

It took 2 of 7 steps. It reached Admitted, and today it is unfinished.

  1. Introduced28 June 2018Someone registers the text in the Congreso.
  2. Admitted10 July 2018The Bureau of the Congreso accepts it and, for a members’ bill, the plenary decides whether to consider it.
  3. Amendmentsnot reachedGroups propose changes.
  4. Committeenot reachedA committee goes through the text in detail.
  5. Plenarynot reachedAll 350 deputies vote.
  6. Senatenot reachedThe Senate can pass it, amend it or veto it.
  7. BOEnot reachedIt is published in the Official State Gazette (BOE) and comes into force.
See the 6 official steps on a timeline
Jun 2018Sept 2018Dec 201811. 28 June 2018: Presentación22. 10 July 2018: Boletín Oficial de las Cortes Generales Publicación desde 10/07/2018 hasta 13/07/201833. 10 July 2018: Calificación44. 13 July 2018: Gobierno Contestación desde 13/07/2018 hasta 06/10/201855. 6 October 2018: Pleno Toma en consideración desde 06/10/2018 hasta 05/03/201966. 5 March 2019: Concluido - (Caducado) desde 05/03/2019 hasta 27/03/2019

Was there a plenary vote?

We have no plenary vote linked to this law in the Congreso’s data.

What happens next

What happens now?

The legislature ended before it finished. To go on, someone would have to introduce it again in the new Cortes.

It has not been presented again yet.

The same initiative in the other chamber:

Sources

Where does all this come from?

  • The data comes from the open files of the Congreso, the Senate and the BOE, unaltered.
  • Each deputy’s province is the one of their seat on the day of the vote.
  • We only say “passed” or “rejected” when the majority needed is certain; otherwise we say which side had more votes.

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