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Protection of the mortgage debtor: provision in payment expected in RDL 6/2012 Spain 2016

Six-monthly evolution of the number of cases of payment in payment provided for in the provisions of Royal Decree-Law 6/2012 on urgent measures to protect mortgage debtors in Spain between 2015 and 2016

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Release date




Survey time period

S1 2015 - S1 2016

Supplementary notes

Royal Decree-Law 6/2012 created the code of good practice to which, voluntarily, credit institutions and other entities that, in a professional manner, carry out the activity of granting loans or mortgage loans. Home The mortgage debtors included in the scope of protection of this real decretoley are the holders of loans or mortgage-backed loans, which face difficulties in dealing with payments on their loans, since the members of their family unit do not have income derived from work or economic activities and the contributions payable exceed 50% or 40% of your income. Home The rule provides that they may request a restructuring of their debt, a reduction so as to reduce the amount of their assessed contributions or, ultimately term, deliver the housing and the debt is canceled.

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