The subcommittee on mortgages created by the Congress of Deputies closed for the holidays after listening to users concerned and mortgage experts. The members of this working group will have all summer to reflect on the proposals they have heard in the first two days of comparacencias will continue in September. So far, these ideas are most important to see what you think:
1 .- Antithesis
“This figure is in civil law and means the right of use. That is, they oppose the evictions real people to stay in the street, “as chairman of the subcommittee afirmadoel, Pere Macias, who is also chairman of the Housing Committee in Congress and member of CiU.
To implement this option-escape to foreclosures, as specified by some experts, would have encouraged “the right to have someone use a good exchange for a fee.” Thus, it could pay a lower monthly rate than the mortgage, which “would not be a rent-refundable but redeem the mortgage in the future,” explains Macias. This figure, as the parliament has not been used so far and would marry the tax to make it as beneficial as possible for both the citizen to the financial institution.
2 .- Interest Mora
Experts and users have agreed in denouncing the penalty interest in their appearances. “When someone does not repay the loan, their interests are brutal, 20% -30%. This should be regulated as all parties have asked, because there are legal interpretations that are clearly abusive. This will also say things, “said Macias.
3 .- foreclosed
Macias said that one of the experts reported on the “payment in time,” consisting of a period of time open in that anyone who so desires can pay off the mortgage with the delivery of housing, with the aim of “giving time and a respite from the worst situations to have some time to be resolved. ”
The notaries and banks in September
The subcommittee will receive 14 and September 21 professionals (notaries, registrars, lawyers, etc.). And financial representatives (Spanish Banking Association-AEB-Spain Confederation of Savings Banks, CECA, and the Spanish Mortgage Association, AHE -). Also, do not rule out the occurrence of more shots of contact with other sectors.
After these four-or more shots contact politicians with mortgage-related problems, the subcommittee will prepare a report to be presented in December. Macias handles date, but cautious. “The threat to dissolve Parliament to call for general elections would change the plans, although these works do not fall on deaf ears. All parties have the information of the work, we might use to prepare the electoral programs
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